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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 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

Target Data Breach

Home State Bank has been notified of the Target Corp. data breach that compromised the debit card information of customers who made in-store purchases from Nov. 27 to Dec. 15, 2013. Additional information on the breach can be found on the Target Corporation website.

Home State Bank provides automated debit card monitoring through EnFact to decrease the risk that fraudulent purchases will be approved. Customers should continue to monitor their accounts and report any suspicious activity to the bank immediately.

Home State Bank is continuing to monitor the situation and will modify our response as information becomes available to provide the least inconvenience to our customers as possible.

If you have any questions or concerns regarding this compromise, please contact a Customer Service Representative at your local branch.

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 1-800-472-3272 for after hour help with lost or stolen 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.

Debit Card Contact Information:

Allison Kiefler or Alicia Sawatzky, HSB Debit Card Specialists: 320-231-1118

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