No one likes to find out his or her credit or debit card information has gotten into the wrong hands. Whether it’s from a large-scale data breach or a lost or stolen card, we’re here to protect you.
All your Partners cards have Visa Zero Liability protection. That means you aren’t liable for any unauthorized transactions you report to us on time. Partners also continuously monitors your account for unusual activity. We will call or e-mail you if transactions seem out of the ordinary. Remember that Partners will never ask for login credentials. If you do receive a call or e-mail asking you for that information, hang up and don’t click any links. Contact us right away if you do accidentally give out any information.
When there’s a large-scale data breach, Partners will take immediate action to ensure that your funds remain secure. Depending on the situation, you may receive a new card or PIN or see some other necessary changes.
How You Can Protect Yourself
There are some things you can do to help keep your cards and accounts safe. First, take advantage of the technology tools included with your account. Use transaction alerts for your accounts and fraud alerts for your debit and/or credit card. The alerts will let you immediately know when money moves in or out of your account or there are any charges made to your card. Set these up in online or mobile banking. Just make sure you have your card(s) handy to confirm the fraud alerts.
Second, check online and mobile banking frequently. The sooner you see an unauthorized transaction, the sooner you can notify us and let us take care of it. You don’t have to stalk your accounts. A quick balance check a few times a week will assure you everything matches up with what you expect.
Third, use strong passwords and change them every so often. Strong passwords can be challenging to remember, but the hassle is worth it. A password manager can help keep things secure and suggest new and unique passwords when it’s time to change them.
It’s important to use unique passwords. A breach on an unrelated site where you use the same login can put your account information at risk. You can probably keep the repeating passwords on sites that don’t involve a purchase or any connection to your Partners account. However, make sure you use separate passwords for any financial accounts and sites where you make purchases. This is especially true if you save your card information. Consider setting up separate e-mail accounts for less important sites and keep the e-mail you use for Partners distinct. (That can also keep your main e-mail inbox free from spam.)
You should also take advantage of the biometric features on your phone. Face recognition and thumbprint ID can keep a lot of personal information on your phone safe. This includes not just your financial data but everything else in your life because that phone is where you keep it all.
Finally, make sure all online activity is secure, especially when it involves transferring money or personal information. Turn off your mobile Wi-Fi when you’re shopping so you can use the more secure cellular network. When you use Wi-Fi, make sure it uses strong security. If you can’t make a secure purchase while you’re away from home, save the URL. Then, buy the item at home where you know you’re on a secure network. And avoid sites that don’t have a current security certificate. You can check that easily by clicking the padlock in the URL bar on a computer or an Android device. On an iPhone, the Chrome browser is the easiest option. The bottom right menu lets your view “site information,” which includes security. If you use Safari, you will need to paste the website’s URL into a security checker, such as digicert.com.
Steps to Take in Case of a Breach
So, what do you do if you do find unauthorized charges or there’s a data breach? Don’t panic. Contact us and let us know right away what charges aren’t legitimate. Our team will walk you through the process to ensure you’re not on the hook for those charges. We will also get you a new card or cards. You might also step up monitoring your accounts, checking daily instead of weekly.
If you get a new card, you will need to update your card number, expiration date, and CVV code with vendors who process charges on those cards. That part can be a pain. You never realize how many automatic payments you’ve set up until you have to change them all. Check online or mobile banking to make sure you don’t forget any.
A credit monitoring service might be a good option for at least six months or a year. There are many good services out there, and you can ask us if a company has a solid reputation before you sign up.
Preventing fraud requires a little extra effort — but we’re in this together.