Keeping you in the loop.
In the banking world, we are constantly being updated about alerts and warnings that our Home State Bank employees need to be aware of. We would like to protect you, our customers, and make sure you are also aware of certain alerts.
URGENT: Cell Phone Call Scam
It has come to our attention that there is a Cell Phone Scam going around. The callers are trying to get your Debit Card information.
Please DO NOT give out your Debit Card Information or personal information to anyone who calls and says that your Visa Card has been Deactivated or Shut Down and to press your keypad to activate.
If you get this call, DO NOT CONTINUE!
Please notify us at 320.231.1118 immediately if you have received this call and have given out any information
URGENT: Phishing Attack Targeting SHAZAM
SHAZAM is aware of a phishing attack being broadcast through the Twitter hashtag #shazamdebitcard. This attack has led to the creation of several fraudulent “Shazam Debit Card” Internet sites. The sites claim to be collecting information for fast-cash loans; therefore, personal information, such as a person’s Social Security number, date of birth, and driver’s license number, is being targeted.
Cardholders should ignore any such sites and the Twitter hashtag #shazamdebitcard. Do not enter any sensitive data on these sites. If you have any questions call Home State Bank at 320.231.1118
Fraud & Scams
- Home State Bank will not call or email you to request any personal account information.
- Visit this one-stop resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.
- Check here for up-to-date information on current fraud and scams.
- The Financial Services Information Sharing and Analysis Center has issued a white paper titled “Fraud Advisory for Businesses: Corporate Account Takeover”.
This product was created as part of a joint effort between the United States Secret Service, the Federal Bureau of Investigation, the Internet Crime Complaint Center (IC3) and the Financial Services Information Sharing and Analysis Center (FS–ISAC) and can be accessed online at: http://www.fsisac.com/files/public/db/p265.pdf - The Federal Trade Commission’s Bureau of Consumer Protection publishes tips and legal requirements on data security for the information businesses keep on their customers and employees. We will direct businesses, in particular, to this information at http://business.ftc.gov/privacy-and-security/data-security.
- The Federal Deposit Insurance Corporation (FDIC) posts fraud alerts to the Consumer Alerts section of their website at http://www.fdic.gov/consumers/consumer/alerts.
Lost or Stolen Card Info
Please call 1-800-383-8000 for after hour help with lost or stolen SHAZAM Photo Debit Cards.
Personal or Confidential Info
Always be cautious & never provide personal or confidential information as a result of receiving an email, voice mail or text message. In addition, be wary of links provided in emails. Hovering or moving your mouse pointer over an embedded hyperlink should reveal the associated web address. If you do not recognize the web address or if the addresses do not match, there may be a reason for suspicion.
Signature vs. PIN-based
ATM transactions: $300 limit per day (midnight to midnight)
PIN-Based transactions (does NOT include ATM transactions): $1,000 limit per day (midnight to midnight) These include any transaction done with a merchant where you key in your 4-digit PIN in order to complete the transaction.
Signature-Based transactions: $500 limit per day (midnight to midnight) These include any transaction done online, over the phone, or at a merchant where you physically sign your name to complete the transaction.
These limits are ‘per card’ so if two or more account holders on the same account each have their own card, each card has its own limits as shown above.
NACHA Alert
If you receive a fraudulent email that appears to come from nacha.org DO NOT open the email. Either forward it to abuse@nacha.org or delete the email as it may have viruses.
SHAZAM R.A.D.A.R. Protection
Protecting you from unauthorized use of your debit card is one of our top priorities. To reduce your fraud risk we have partnered with SHAZAM, our debit card provider, to implement a monitoring system called SHAZAM R.A.D.A.R., to help guard your debit card against fraudulent activity.
With SHAZAM R.A.D.A.R. Home State Bank is able to keep you safe by identifying our customer's general spending patterns and looking for transactions that appear out of the ordinary. If a suspicious transaction is detected on your debit card, you will be contacted by Home State Bank, or a SHAZAM fraud specialist calling on our behalf, to verify the transactions in question.
Using a debit card is safer than carrying cash and faster than writing a check. With the added protection of SHAZAM R.A.D.A.R., you can be sure that your card is safe, no matter where you are. We will continue to provide you with the best protection available.
SHAZAM Photo Debit Card Contact Information:
Heather Winkelman or Alicia Sawatzky, HSB Debit Card Specialists: 320-231-1118
SHAZAM Fraud Operations 24/7: 866-508-2693
