Everyone, at some time or another, has felt a little bit anxious about using a debit card. With all of the wicked ways that people work to steal your private information, we don't blame you. However, with these five tips, you can rest a little easier.
1. Watch your account with online banking. With our free, online banking, you get real-time access to see what is coming through your account.
2. Know who you do business with. If you shop online with your debit card, do it carefully and make sure you only give information to established merchants that you trust. Make sure the website address is https: - the "s" means it's a secured site.
3. Read the fine print. When shopping online, you may order from a merchant and unknowingly authorize them to pass your information (including your debit card number) to “affiliated third parties”. Make sure you read the fine print before you submit an order.
4. If there is a problem, go to the merchant first. If you discover a charge to your account, call the merchant first to try to resolve it. They will be able to give credit to your account faster and MasterCard rules (which we have to follow) require that you give the merchant a chance to make it right. The best way to find the contact information for the business is to do an internet search. If you don’t get satisfaction from the merchant, go to the next step.
5. We can dispute the charge on your behalf. If you are unable to resolve an unauthorized charge with a merchant, contact us to dispute the charge. It is a slower process, but will usually yield results.
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