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Debit Card News

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Important Information about Debit Card Fraud and Your Card

Due to the increased number of security breaches across the United States, such as Target, The Home Depot, Sally Beauty Supply, and Office of Personnel Management, The Bank of Waynesboro has proactively enforced new card restrictions to protect you from fraudulent card activity.

There is NO change to the way you use your card in Tennessee, Alabama or Mississippi. You may continue to use your card as a credit (i.e. with signature) or a debit (i.e. with PIN) in these states. However, effective immediately, if you travel to any other state, you will only be able to use your card as a debit (except for the merchant exclusions listed below), which means you will have to enter the four-digit PIN assigned to your card. In the event that you need a replacement PIN, please call Bookkeeping at (931) 253-2039 or visit your local branch.

If you are unsure of how to use your card at a particular merchant, you can always visit an ATM and withdraw cash. We are in the process of improving our cards to reduce the risk of debit card fraud. We sincerely apologize for any inconvenience this may cause. Please see below for some tips on how to protect yourself from debit card fraud.

For these merchant category codes (MCC), you may use your card as credit or debit in any state:

MCC             Merchant Type

4119                Ambulance Services

5812                Eating Places and Restaurants

5814                Fast Food Restaurants

8011                Doctors and Physicians

8021               Dentists and Orthodontists

8031               Osteopaths

8041               Chiropractors

8042               Optometrists and Ophthalmologists

8043               Opticians, Opticians Goods and Eyeglasses

8044               Opticians, Optical Goods and Eyeglasses

8049               Podiatrists and Chiropodists

8050               Nursing and Personal Care Facilities

8062               Hospitals

8071                Medical and Dental Laboratories

8099               Medical Services and Health Practitioners

How to Protect Yourself from Debit Card Fraud

  • Update your contact information with the Bank, including current phone number, so we can contact you about suspicious charges.
  • Contact your local branch regarding your travel dates and destination. If your card gets swiped at an unusual location, the card issuer may decline the suspicious transaction.
  • Sign up for banking alerts using your Online Banking account. These alert will inform you when particular changes occur, such as irregular card activity.
  • Stay away from ATMs that appear dirty or in disrepair. At best, such ATMs may not work when used, and at worst, may be fake machines set up to capture card information.
  • Do not use ATMs with unusual signage, such as a command to enter your PIN twice to complete a transaction.
  • Watch out for ATMs that appear to have been altered. If anything on the front of the machine looks crooked, loose or damaged, it could be a sign that someone has attached a skimming device.
  • Copy the customer service phone number from the back of each of your debit or credit cards and keep this list in a separate location from your purse or wallet in case a thief steals the latter.
  • Avoid using the ATM if suspicious individuals are standing nearby. Criminals may try to distract you as you use the machine to steal your cash, or watch as you type your PIN.
  • Be aware that if your card gets stuck in the machine and someone approaches to help, it may be a scam. A criminal may be trying to watch as you enter your PIN.
  • If your card gets stuck in the machine, call the Bank promptly to report the incident.
  • As you key in your PIN, cover the keypad with your other hand to block anyone, or a camera, from viewing the numbers you type.

Remember to check your balance on a regular basis. Federal law doesn’t protect debit cards to the same degree as credit cards when it comes to fraud. If you notify the Bank within two days of discovering the card was lost or stolen, your loss is limited to $50. After two days, this amount increases to $500, and after 60 days of receiving the statement with the fraudulent charges, your loss is unlimited.

Checking your balance and transactions is easy with Online Banking. Click here for more information.