Card Safety Tips
Fraud is an ever-growing problem. It is in your best interest to take precautions to protect yourself while doing transactions at home and at your place of business. As part of our ongoing efforts to serve all of your financial needs, here are several suggestions to help increase your personal safety and reduce the risk of fraud and identity theft.
Card and PIN Safety
- Report lost or stolen cards immediately.
- Sign your card on the signature panel as soon as you receive it.
- Protect your cards as if they were cash.
- Make a comprehensive list of all your cards and their numbers and store it in a safe place.
- Make a list of all of your card issuers' Lost or Stolen hotline phone numbers in a handy location – like your cell phone.
- Don't leave your credit cards in the glove compartment of your car. An alarmingly high proportion of all credit card thefts occur in glove compartments.
- When selecting a PIN avoid using information that can be tied to in-wallet information (e.g., birth date, social security number, telephone number, etc.).
- Never write down your PIN or store it within your cell phone – memorize it or store in a more secure location. Also, never use your PIN as a password.
- We or any agent of ours will never request you to divulge your PIN in an oral or written manner.
- Whenever possible, keep an eye on your card when doing a transaction. Ensure that you get your card back after every purchase. If any activity during the transaction concerns you, call your financial institution.
- Always check sales vouchers for the correct purchase amount before you sign them, and keep copies of your vouchers and ATM receipts. Always check your billing statement and verify the amounts of your purchases.
- Don't volunteer any personal information when you use your credit card, other than by displaying personal ID as requested by a merchant.
- Don't lend your card to anyone. You are responsible for its use. Some credit card misuse can be traced directly to family and friends.
- NEVER let your check/debit card out of your sight.
Capturing card information, or "skimming," is on the rise at ATMs and gas stations. Never use an ATM or card swipe that looks like it has loose parts or extra parts attached to the face of the machine or a dramatic change in the machine since your last visit. If a gas pump looks like the lock area has been tampered with, do not use it.
If your card is captured inside an ATM or other device, call your bank immediately to report the incident. You may think your card was jammed by the device, but many times it is retrieved by a criminal who staged the capture and may use it immediately. In either case, you will require a replacement card. Be wary of handwritten signs indicating an ATM is out of order. It may be directing you to use a compromised ATM.
Automated Teller Machine (ATM) Safety
- Plan ahead to minimize your time at an automated teller machine. Prepare as much of your transaction in advance as you can at your home or office by filling out your deposit slip and
endorsing the checks "for deposit only" to your account.
- Park as close as possible to the ATM and have your card out and ready to use immediately.
- Avoid using ATM machines that are not well lit, on street corners with easy approachability from cars or near blind spots. Use ATMs that are
close to the center of a building and clear from shrubbery.
- Be aware of your surroundings as you leave the ATM. If you believe you are being followed, drive to the closest police or fire station if possible or to a busy business and call the police.
- When you approach an automated teller machine location, look around and be alert to your surroundings, especially in areas unfamiliar to you. If you observe any suspicious person or unusual activity near the location at any time, do not use it and go somewhere else. At night, if the automated teller machine location is not well lit, do not use it and go somewhere else.
- Consider going to an automated teller machine location with someone you know and trust. Do not accept assistance from anyone you do not know and trust when using an automated teller machine.
- Prevent others from seeing you enter your PIN when using an automated teller machine. Consider using your body to shield the view of the keypad.
- If you notice anything suspicious or any other problem arises after you begin your transaction, cancel the transaction; recover the card you are using from the automated teller machine and leave.
- When your transaction is complete, recover your card, your receipt and any cash you have requested from the automated teller machine and promptly leave the area. Do not display money taken from the automated teller machine. Put the money away and wait until you are in a safe place to verify it. Mark each transaction in your account record but do so away from the machine in a safe place. Save your receipt and do not leave a receipt at the automated teller machine location because it contains important account information. Compare your records with the account statement you receive.
- When using any drive-up facility, lock your car doors and roll up all the windows except the window you are using. If you keep your engine running, be sure your car is in "park" or "neutral" and the brake is set.
- Do not let anyone else use your card. Do not disclose your PIN to anyone else, even if the person is offering assistance. Do not write your PIN on your card. If you lose your card or it is stolen or your PIN is lost or stolen, report the loss at once.
Set Up Card Alerts
Keep your City National Bank check card and credit cards safer with City National Card Alerts - a great new feature for most City National Visa® personal and business card products!*
With City National Card Alerts you can receive timely updates on your City National credit card and check card activity. You can choose to receive Card Alerts through text messages to your mobile device or by email.
With City National Card Alerts you are quickly notified of various transaction activities on your cards. Should you be unfamiliar with a certain transaction, you can act quickly to help reduce potential or additional fraud on your account.
Card Alerts benefits:
- Monitor transactions in near-real-time**
- Additional fraud protection. Learn more»
* Not available on ATM-only Cards and Equity Cards at this time.
** Actual time to receive an alert is dependent on wireless service and/or coverage within your wireless service area.