Report Possible Fraud
To report a lost or stolen VISA® debit card after business hours: 800-554-8969.
Protecting Your Debit Card
Community Bank helps protect our customers by monitoring transactions to detect possible fraud.
- You may receive calls from our Fraud Detection Message Center to verify transactions periodically.
- Fraud Detection Message Center phone calls originate from 877-253-8964. Any fraud detection calls you receive that are NOT from 877-253-8964 or from one of our local branches are likely phishing attempts that should be ignored.
- Make sure we have your current phone number. If you have a cell phone, our preference is for you to provide us with that number as your "primary" number. This way if you're shopping and a transaction is declined you will be able to receive calls from the automated system even if you're not home.
Here are a few ways to help you to protect yourself from card fraud:
- Use of our CardValet app to set up alerts to help you to detect activity that you did not authorize - and to turn your card off if you've misplaced it and are trying to locate it.
- Use caution when shopping online. Criminals use fake internet sales sites, which are prevalent on social media pages so be careful when shopping online.
- Never provide your debit card number/information to any caller. If there is a legitimate need to provide your card number over the phone, hang up and call the company directly.
- Develop a routine for safekeeping of your card: remember to obtain your card from the cashier or server at restaurants, and make sure to place the card back in its assigned place before leaving a business.
Protecting Your PIN at ATMs
- Check for tampering. Before putting your card into a reader, check it for tampering. Look for anything different or misaligned. If it looks suspicious, do not use the machine. ATMs do not have loose parts so if anything jiggles, don't use it.
- Avoid stand-along ATMs if possible. Try to use ATMs that are located at a bank.
- Shield your PIN. When typing your PIN into a machine, it is a good practice to shield the entry pad if exposed.
Identity Theft Prevention Tools
- Visit The Federal Trade Commission's ID Theft Resource Center
- EMV Chip Card Tip Sheet (Print-Friendly)
Online and Mobile Banking Security
With proper safety measures in place your Online Banking and Mobile Banking transactions remain confidential and secure.
In addition to using best practices for data security, including data encryption and firewalls, these additional measures have been taken to ensure your privacy:
Secure Access and Verifying User Authenticity
- Unique ID and Password: To access Community Bank Online Banking, you must enter a unique User ID and Password.
- Account "Pseudo" Names: Community Bank allows you to choose a "pseudo name" for each of your accounts. For example, Mary's Checking, Payroll, Savings, etc.
- Challenge Questions: We may "challenge" you to answer questions you've provided us answers to when we observe potentially "out-of-pattern" behavior on your account.
- Text Authentication: When certain Bill Pay and Transfer activity is initiated we may send you a code to your mobile device to authenticate the transaction. If you have not provided us with a Mobile number (or don't have your device) you may contact us to obtain the code.
- Automatic Log-Off: If you are logged on to Online Banking and have been inactive for 9 minutes you will be prompted, by a pop-up box, to continue your session. If you do not choose to extend your session within 60 seconds, the system will automatically log you out.
- Password "lockout" System: To keep unauthorized individuals from accessing your account by guessing your Password, we have instituted a Password lockout system. If your Password is entered incorrectly three consecutive times, the user is "locked out" of the system. You must contact us for your account to be reset and the system to become "unlocked".
- Dormant accounts: If your Online Banking account has been inactive for 90 days or more you will need to contact Community Bank to reactivate it. For your security, Online Banking accounts with no activity for more than 6 months may be closed.
How can you protect your Internet security?
While Community Bank works to protect your banking privacy, you also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Community Bank account information is protected, including:
- Keep your Password to yourself. Do not share it with others.
- Make sure to keep your computer updated with anti-virus software. This can help prevent key-logging malware from obtaining your User Name and Password.
- Do not open emails from unknown sources or send your account information to anyone who requests it by email or by phone. Community Bank will never request your password by email or by phone - ever.
- Change your Password frequently. We strongly recommend changing your password every 90-120 days.
- Remain at your computer until your Online Banking transactions are completed and EXIT. Use the EXIT tab, before closing your browser or visiting other Internet sites.
If you notice suspicious or unusual activity on your Online Banking accounts, Contact Us as soon as possible.