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At Merrimack County Savings Bank, we take your security and privacy very seriously. In an effort to protect you from current regional trends in fraudulent debit card transactions, The Merrimack will institute blocks on debit cards, generally on a temporary basis. Please review the list below for the details on the most current programs.
Due to a significant increase in debit card fraud affecting the customers of many New England community banks through "contactless payment" applications, these types of payments are currently blocked. Contactless payments are related to virtual wallet applications that use radio frequencies between a smart device and businesses’ sales terminals and do not require the customer to present their debit card.
For your security, the Bank recommends that you always use your PIN number to make purchases in New England instead of using your signature to finalize purchases. A dollar limit for non-signature transactions has been placed on certain high risk business types in the New England states. This dollar limit is sufficient to cover customer purchases while decreasing the risk that your card number is used in a fraudulent manner. For detailed information on the dollar limit and/or types of businesses affected, please contact the Bank.
Signature based transactions at most businesses outside of New England will be declined. Customers will be required to enter their PIN numbers to make most purchases in these states.
All debit card transactions are blocked outside of the United States, unless we are notified in advance by the customer. Please visit a local office or call us at 603-225-2793 prior to international travel.
Our card monitoring provider, monitors your card transactions 24 hours a day, 7 days a week, and alerts you when an ATM or debit card transaction that is atypical or suspicious is detected.
If fraud is suspected, your card may be temporarily suspended while we try to reach you to protect you from ongoing fraud. We will try to reach you first by email, then text message, and then by automated voice call. The alert will always include the last 4 digits of your card number, the amount of the suspect transaction, and the name or the description of the merchant where the transaction was made.
Listen to or read the transaction information and instructions carefully. Respond back in the manner you received the alert indicating whether the transaction is authorized or fraud. When responding by email, you’ll be asked to click the appropriate link.
If you respond that a transaction is authorized, you will receive a confirmation indicating that any temporary blocks placed on your card have been removed and you can continue to use your card. If you respond that a transaction is fraud, you will receive a confirmation indicating that the card will be blocked to prevent further fraud. A fraud specialist will reach out to you during business hours to discuss any unauthorized transactions on your account and order a replacement card.
Please notify us as soon as possible if you are unable to locate your ATM or debit card. You can report your card lost or stolen through our telephone banking system at 866.546.8273, or by contacting the bank at 800.541.0006 during business hours.
Our goal is to keep your accounts safe from fraud without creating significant inconvenience for you. In order to meet this goal, we need your help. Please: