Fraud Detection for Your Visa CheckCard

In order to help prevent potential fraud made with your Visa CheckCard, Citizens National Bank utilizes a fraud detection program. This program tracks the type of transactions you usually perform with your CheckCard over a period of time and then compares that behavior with each new transaction and characteristics of fraud. If the transaction appears to be out of your norm of usual use of your card, you may be contacted by telephone to verify that you did indeed approve the suspicious transaction.

We will attempt to call you twice to verify the transaction. You will be asked to answer a series of questions confirming your identity by entering your zip code, stating the last 4 digits of your Visa CheckCard and asking you to verify the suspicious transaction. If you confirm that you did not authorize the transaction you will then be connected with a representative who will assist you. If we are unable to leave a message, a letter will be sent to your home address notifying you of the concern and your card will be restricted until you contact the bank.

Out-of-state transactions and higher dollar amount purchases may be questioned as fraudulent. For this reason, if you plan to use your CNB Visa CheckCard while traveling on vacation or to purchase an expensive item, we recommend you contact the bank and an alert will be placed on your account noting your expected card activity.


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