Where can I find more information about fraud-prevention technology?
While you should always consult your financial institution about the latest technology it's using to protect you as an account holder, you can also visit the FDIC Web site to learn about the latest fraud taking place and how to protect yourself (www.fdic.gov).

Are there any new developments in fraud-prevention or security technologies?
Fraud protection technology is advancing every day. Many financial institutions and payment networks have developed and are constantly implementing new measures to protect you and your finances. Visit the Scam Alert section on this site to learn more.

What do I do if I think I’m being scammed?
Always report fraudulent activity to your financial institution the moment you realize something is wrong on your account or if your card has been lost or stolen. Visit our Your Money. Smarter. page to learn more about liabilities associated with fraud and unauthorized spending. If you think you may have been a victim of identity theft, there are specific actions you should take. To learn more, go to www.ftc.gov/idtheft.

When is it OK to give out my PIN?
It is never okay to give your PIN unless you are entering it directly on a keypad. Memorize your PIN; never write it on your card or store it with your card. Never let someone else enter your PIN for you. No company or individual should ask you for your PIN, not even your financial institution. If you perform transactions over the telephone using your ATM or debit card, never disclose your PIN. E-mail is a common channel for fraud perpetration. Never provide your debit or credit card number, PIN or any other non-public personal information to any entity in response to an unsolicited e-mail or request. Your financial institution will never ask you for your PIN.

What ATM transaction safety options are available?
There are a number of safety measures to take before pulling up to an ATM or stepping out of your vehicle to perform an ATM transaction. It is important to follow these guidelines to ensure your safety and the security of your account information. Visit the Scam Alert section on this page and read through the safety guidelines to learn more.

What is a neural network?
Neural networks monitor trends in your spending habits and identify uncharacteristic activity on your card. Transactions are analyzed by location, the type of purchase and amount. If there is a major discrepancy between a particular transaction or series of transactions and your typical usage pattern, subsequent purchase attempts may not be authorized until you have been contacted to verify the legitimacy of the transaction(s).

What is PCI Data Security Standard?
The Payment Card Industry (PCI) Data Security Standard is a multifaceted security standard developed to protect you as a consumer. It calls on merchants and financial service providers to implement safety standards in their procedures and ensures that up-to-date safety measures are being used for your protection.

If fraud occurs on my debit card, what am I liable for?
The moment you realize your debit card has been lost or stolen or your information compromised, you should immediately contact your local financial institution. The maximum amount you are liable for as the account holder depends on when you give your notice, as well as additional factors. Visit our Your Money. Smarter. page on this site to learn more.

Is it okay if someone asks me for my PIN over the telephone? What if it is my financial institution?
No company or individual needs to know your PIN, not even your financial institution. If you perform transactions over the telephone using your debit card, never disclose your PIN.

How can I ensure my account information is secure when I shop online?
Look for secure transaction symbols when shopping online to ensure your account information is protected. These include a lock in the lower right-hand corner of your browser window and a Web address that begins with “https.” Always log off from any site after you make a purchase. If you can’t log off, close the browser to prevent unauthorized access to your account information.