Debit Card Security
At KS StateBank, we continually look for ways that we can protect our cardholders from fraud. Sometimes, we're able to do things behind the scenes that have no noticeable impact on your card usage... but other times, the changes we make affect the way you use your card. To ensure that you're able to use your card when you need it, please read this information. And, remember to check back as this information can change regularly.
Required Use of PIN
To help prevent unauthorized transactions on your account the ability to “sign” for Debit Card purchases may be limited. We have taken steps to ensure that you should still be able to use your card for signature-based transactions at hotels and eating establishments nationwide, but you should be prepared to use your PIN at any time with your Debit Card. This is especially important when using your card at department stores, variety stores, large retail stores and pharmacies.
If you do not know your PIN, please contact Client Care at 800-588-6805 to have a new one sent to you.
All international transactions, beyond the completely blocked countries, will require the use of your PIN. Because the list of blocked countries changes from time to time, please feel free to contact Client Care at any time to find out which ones are on the list.
Enhanced Security Monitoring—Falcon Fraud Manager
We utilize Falcon Fraud Manager (FFM), a fraud scoring system for all signature-based transactions on your Debit Card. We are excited to offer this layer of protection from possible account fraud, thus minimizing your risk and protecting you against losses.
This system works by analyzing each signature-based transaction and assigning it a score on a risk-based scale; the higher the score, the greater the likelihood of fraud. If the analysis indicates a high risk, FFM will attempt to contact you to determine if the transaction is legitimate. If they cannot reach you, and depending on the severity of the score, a temporary block may be put on your account to prevent fraudulent transactions from happening. This monitoring service is working for you all day, every day.
If FFM detects potential fraud, you will initially receive a text message from number 38274. This text message will include a link to confirm or deny that fraud has occurred. If you do not respond within five minutes, FFM will email you where you will be asked to click a link if you do not recognize the transaction. If you do not respond to the email in five minutes FFM will call you via an automatic voice dialer on behalf of KS StateBank. During this call, they will attempt to verify the validity of the transaction. To ensure that they are talking to you, they will ask you to verify your five digit zip code. NOTE: They will never ask for any numbers off of your Debit Card.
If any of these automated systems confirm fraud, you will be transferred to a live representative with FFM for further action. Text messages and emails are sent 24 hours a day, 7 days a week while calls are placed from 8 a.m. to 9 p.m. every day based on the time zone your address on record is located in.
To increase the chance that you can be reached, please be sure we have your current contact information (including home phone number, mobile phone number and email address). These changes can easily be submitted through Online Banking Secure Message or at any of our branches.
Think of it as a Debit Card on/off switch that you can manage. It’s all controlled through the KS StateBank Mobile Banking app, and allows you to turn your card on and off as you wish. It’s just one more way you can keep your account secure!
- Simply enroll in SecureSwipe from our app to get started.
- Once your card is locked, it will be inactive. One‒time debit transactions will be declined, but recurring debit card transactions will be processed.*
- Quickly unlock your debit card from the Mobil Banking login page when you’re ready to make a purchase.
*Locked cards will accept payments only if flagged by the merchant as recurring. In some cases, the first in a series of recurring payments may fail because it is seen as a one-time payment. The card will need to be unlocked to perform the transaction. Some local businesses may not currently send recurrence information with automated debits. SecureSwipe users are reminded to check their accounts frequently to ensure all bills are paid on time and, if not, to make different payment arrangements for those merchants.
For some time, we have asked you to let us know when you are traveling so that we can take steps to prevent interrupted usage of your card. Be sure to call Client Care at 800-588-6805, send us a Secure Message through Online Banking or our Mobile Banking app, or stop into a branch before you leave to let us know where you're headed. We'll need to know all of the states (or countries) you plan to visit, including any airport layovers and the dates that you will be traveling. Please note: we can only add travel notifications to your card during normal banking hours.
Do we have up-to-date contact information for you?
Give us a call at 800-588-6805 to ensure that we have current phone numbers, including your mobile phone number for you. You can update this information at any time by stopping into a branch or sending us a Secure Message through Online Banking or our Mobile Banking app.
External Link Disclaimer
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NOTICE: Because there is a risk that information transmitted via internet email could fall into the wrong hands, KS StateBank recommends that confidential information, such as account numbers, social security numbers, or other identifying information, not be transmitted via email. Instead, please contact KS StateBank directly at your nearest bank branch, or use our secure KS StateBank message center. It is your responsibility to ensure that communications via internet email are virus free. No responsibility is accepted by KS StateBank for any adverse consequences, or violation of any law or regulation, resulting from your use of internet email.
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