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Important Information About Improved Security for Online Debit Card Purchases

The security of your debit card purchases online is very important to you and to us. After September 26th, if you make a “high risk” purchase that’s out of the ordinary for you at a 3D Secure online merchant, a pop-up will appear asking you to provide your debit card expiration date, billing address zip code and the last 4 digits of your tax ID number. This added verification step helps prevent fraudulent purchases if your debit card information has been compromised as a result of a data breach or identity theft scheme.

This process, known as 3D Secure Authentication, is available to you through our relationship with MasterCard SecureCode. Only 1% of our online purchases have historically been deemed “high risk” so it’s quite likely that you will never see the pop-up asking you for the additional information. Please be aware that if you do see the pop-up, you’ll need to be very careful when you answer the questions. If the correct information is not supplied within 3 attempts, your ability to purchase online will be temporarily suspended, or possibly even blocked. If that happens, please call us so we can assist you.

In very rare cases, transactions made at merchants connected with known fraud trends will be instantly declined for your security. If this occurs, a pop-up notification will appear.

Please continue to notify us of your travel plans to ensure our monitoring systems are not surprised by unusual card activity in another location. You can inform us of your plans by telephone, in person, or using the secure Notification of Travel Plans form found within the Secure Forms tab in online banking. Please be sure to contact us at least two business days in advance of your travel.

We appreciate your patience with us we continually work to provide you the latest protections from evolving fraud trends. If you ever have questions about using your debit card, please contact us in the manner that is most convenient for you.

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