Added Security for your Baldwin State Bank Visa Debit Card
At no cost to you, Baldwin State bank has added extra protection against fraud on your debit card by partnering with Falcon Fraud Scoring. Falcon Fraud Scoring uses a scoring method to monitor transactions made on your debit card.
How does it work?
Each of your debit card transactions are assigned a score on a risk-based scale; the higher the score the greater the likelihood of fraud. If the transaction is determined to be high risk, a Falcon Fraud Manager will attempt to contact you to determine whether the transaction is legitimate. If the Falcon Fraud Manager cannot make contact with you, depending on the severity of the score, a temporary block may be put on your account until we can verify the transaction with you to prevent fraudulent transactions. Both PIN based and signature based transactions are monitored 24-hours a day, seven days a week.
Why do customers need to know about this program?
Cardholders will be contacted by telephone on behalf of the Baldwin State Bank when Falcon Fraud Managers detect a suspicious transaction(s) on an account. This call will be an attempt to verify that transactions were actually made by the cardholder. The Falcon Fraud Manager will verify who they are talking to by verifying the last four digits of your social security number but will never ask for any numbers off of your card itself. If we cannot reach you and the suspicious transaction is high risk; we will place a temporary block on your card until we are able to verify the transaction with you.
These calls will be made during the following hours:
- Monday through Friday 8:00 am-9:00 pm CT
- Saturday, Sunday, and Holidays 9:00 am-9:00 pm Ct
What do customers need to do to take advantage of this program?
Keep the bank informed of any changes in your contact information. To avoid having a temporary block placed on your card; we will need to be kept informed of your current contact information so that we may verify any suspicious transactions.
Will this affect me when I go on vacation or travel abroad?
Yes! Usually when you travel on vacation or go abroad it is not a part of your “normal” consumer purchasing behavior. For this reason it is strongly recommended that before going on vacation or traveling abroad you contact Baldwin State Bank customer service. Also, when you travel it is always a good idea to have a second source of payment (cash, credit card, or travelers check) available at the time of a purchase.
What can I do to help?
You are strongly encouraged to review your account activity as often as possible. This can be done by phone, online or through monthly statement. Any time you identify a suspicious or unauthorized transaction on an account you must report it immediately. This can be done by phone, in person or in writing. The quicker you report, the quicker Baldwin State Bank can act to identify and prevent any further suspicious or unauthorized activity. Always keep Baldwin State Bank informed of your personal contact information to avoid any card interruptions.
Baldwin State Bank wants to take the time to thank you for the opportunity to provide you with exceptional service. Should you have any questions about the program or need to update your contact phone numbers, please call your local branch.
