Our goal is to help protect our customers from the risk associated with fraud and/or identity theft.
Your debit card transactions are monitored and analyzed for suspicious activity. If a transaction is determined to be suspicious, the transaction is flagged and we will contact you to review and confirm the transaction is legitimate or, it is fraudulent. If we cannot contact you, a temporary block may be put on your card until the legitimacy of the transaction(s) can be confirmed with you.
How do we contact you when suspicious activity is identified?
- A text message is sent to the mobile phone number associated with your card.
- An outbound email is sent to the address associated with your card if a mobile phone number is not available.
- If neither a mobile phone number nor an email can be initiated, a phone call will be placed.
How should you respond to resolve suspicious activity?
Upon receipt of the text, email or phone call, review the flagged suspicious activity and confirm if it is legitimate or fraudulent. If you do not reply to any of the attempts to validate the suspicious activity, we will temporarily block your card until contact is made with you. If you confirm transactions as legitimate, your card will continue to work, if you confirm transactions as fraudulent, your card will be blocked.
If you suspect misuse of your personal information to commit fraud, take action immediately. Keep a record of all conversations and correspondence when you take the following suggested steps.
- File a police report with your local police department.
- Contact the three major credit bureaus and request a copy of your credit report.
- Check your mailbox for stolen mail. If you suspect mail has been stolen, notify your local post office and police department.
- Maintain a written chronological list of what has happened; what was lost and the steps you took to report the incident to the various agencies, financial institutions and the firms impacted.
- Contact the Federal Trade Commission to notify their agency of the identity theft incident.
- Use KS Bank's MyCardRules Alerts and Protection options through our mobile banking app to improve your debit card security and spending awareness. Click here for more information on how to setup your alerts.
- Frequently review your account activity and never hesitate to contact us if you have questions or concerns.
- Memorize your PIN number.
- Do not share your personal information with anyone (PIN, account number, etc.)
- Do not allow anyone else to use your card.
- Report lost or stolen cards immediately.
- Make sure KS Bank always has your current contact information on record (phone number(s), email address, etc.)
- NEVER respond to a link or phone number in an email message requesting personal information.
- Contact KS Bank before you go on vacation or travel abroad.
- Carry more than one access device.