In the past, some of our customers have received a phone call from a recorded voice stating they are from VISA – telling the customer that their debit card has been deactivated. This “fraudulent person” goes on to state that in order to protect them from identity theft they need to press #1. Then the recorded voice asks for their VISA card number, expiration date, the number on the back of their card and their PIN number. After they enter their number the caller says “thank you, your card has been reactivated”. If you receive one of these calls, IT IS A SCAM. PLEASE DO NOT GIVE OUT ANY INFORMATION OR KEY IN YOUR DEBIT CARD NUMBER.
Reminder: We do have a Fraud Detection Service who monitors First Mid debit cards for fraudulent activity. They will call you when they notice unusual activity. If no one answers they will leave you a message with a call-back number. Our Fraud Detection Service will ask random questions to verify suspicious card transactions but will NEVER ask for full information or detailed personal information such as your social security number or your full card number.
Please call your local First Mid banking center if you mistakenly enter in your debit card number.
First Mid Customer Service
How Can I Protect Myself?
Knowledge is key when it comes to protecting your personal information. To help you avoid becoming a victim of fraud, we’ve outlined steps you can take to reduce your risk of identity theft.
Reduce Your Risk of Identity Theft – Handout (PDF)
Visa also has a website to help cardholders and small businesses protect payment card account information, avoid payment card scams and resolve unauthorized use of their cards. Visa’s website at www.visasecuritysense.com is available in both English and Spanish and intends to educate consumers about protecting themselves and their personal information.
Why do transactions get declined?
There are many reasons a transaction can be denied, some of which are unrelated to the current fraud situation. Below we’ve identified the most common reasons your transaction may be declined:
If a counterfeit copy of your card is detected, we block the card number and immediately contact you via phone. A new card is then issued to you along with a new PIN.
The attempted transaction stands out from your usual spending pattern or is at a location flagged for “high fraud activity”.
If an area, outside our normal service area, has a high volume of fraudulent transactions, it is sometimes necessary to place temporary restrictions on card usage until the “high activity” subsides. Online Purchases may be declined if transactions for the selling company fall within a restricted area.
Bad Card Read
Wear and tear on your card, or the card reader, may also generate a decline or swipe read error. Keeping your card clean and away from strong magnetic fields will help increase the longevity of the card.
Insufficient Funds in your account will also trigger a decline. Unfortunately, not all fraudulent attempts are caught and blocked. If a fraudulent transaction posts to your account it will affect your available balance – just like any other transaction would.
What if I get declined?
Should your card be declined, here are the next steps you should take:
1) Try again choosing Debit as the transaction type. (PIN Required)
2) Try using an ATM, as it will display a reason for denial code.
3) Immediately contact the bank for assistance at 1-866-258-0686 during regular business hours.
How do areas of “high” fraud activity affect everyone’s card usage?
If an area, outside our normal service area, has a high volume of fraudulent transactions, we may flag it as a Restricted Area. Location based restrictions effect all cardholders and are avoided if at all possible.
What areas are currently restricted?
We generally don’t restrict any areas for customer convenience, if at all possible. As “High Fraud Activity” hits and subsides, we adjust card restrictions accordingly. Current restrictions can be found on the Consumer Alerts page.
Is only First Mid Bank & Trust affected?
Many other institutions throughout the United States have recently reported similar increases in fraud activity. Because of the suspected nature of the compromise, no individual financial institution is specifically affected.