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Debit Card Security

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.

Current Blocks

Contactless payment

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.

Within New England

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.

Within the United States, but outside of New England

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.

Outside the United 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.

Debit Card Monitoring

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.

Some of the activities that may prompt a call include:
  • Suddenly using your ATM or debit card in a new location, either domestically or overseas
  • Having a sudden string of costly purchases
  • Patterns that are consistent with global fraud trends
What you can do to protect yourself from card fraud:
  • Protect your Personal Identification Number (PIN) when you are shopping or using an ATM and never write it on your card, card sleeve or store it in your purse/wallet.
  • Stay alert to your surroundings. Avoid using isolated ATMs and never use an ATM that appears to have been damaged or has unusual attachments on or around the area where you insert or swipe your card.
  • Before you make any purchases or payments online, make sure the computer or mobile device you are using is equipped with a current anti-virus program and firewall.
  • Monitor all of your accounts closely and notify us of any unauthorized activity. Using online, mobile and telephone banking to monitor your accounts between statements can help you pick up on unusual activity faster.
  • Reporting Lost or Stolen Debit or ATM 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.

    Help us help you!

    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:

    • Let us know if you will be traveling out of state. This will ensure that our systems aren’t "surprised" by sudden changes in activity. Inform us of your travel plans by calling, visiting a branch, or submitting a secure Notification of Travel Plans form located within the Secure Forms tab on online banking.
    • Keep contact information, including your cell phone number and email address, up to date with us. Inform us of any changes by calling, visiting a branch, or using the secure Change of Contact Information form located within the Secure Forms tab on online banking.
    • Monitor your statement and transactions regularly. Let us know immediately if you notice an unexpected or erroneous charge on your statement or while reviewing your accounts online. If your regular statement doesn’t arrive when you expect it to, contact us as soon as possible.
    Security