If you notice any suspicious activity on your account, please call the Bank at 800-541-0809.

VISA Debit Card Text Fraud Alerts

As of February 13, 2024, keeping your debit card safe with Lincoln State Bank is as easy as sending a text.  You can now receive text fraud alerts on your mobile device.  If the Bank’s Card Fraud Alert System detects suspicious activity on your debit card, you will receive a text message with details about the suspected transaction.  

First, you will receive an initial Enrollment Request:

[Lincoln State Bank Card Fraud Alerts activation text. Reply YES to confirm your enrollment, HELP for help, STOP to cancel texting.  Message        and Data rates may apply]  

The Enrollment will be followed by a Welcome Message:

[Lincoln State Bank Fraud Alerts.  Thank you for enrolling.  Reply HELP for help, STOP to cancel.  Message and Date rates may apply] 

After the enrollment process is complete, a case creation text is sent when a fraud case is created (sample message):

[Lincoln State Bank Fraud Alert: Did you attempt transaction on debit card ending XXXX at Merchant in ND for $25,62?  Reply YES or NO.]

When customer replies NO to the case creation text:

[Lincoln State Bank: You’ve indicated an unauthorized charge on your card ending in XXXX.  A temporary hold may have been placed on                    your card.  Pls call immediately 1-800-541-0809]

Customer replies YES and card is in active status:

[Lincoln State Bank: Thank you for your response.  We’ll continue to monitor your card for unusual activity.]

Customer replies YES and card is in restricted status:

[Lincoln State Bank: Thank you for your response.  We’ll contact you when the temporary hold on your card has been removed.  Sorry for 

any inconvenience.]

After card restriction is lifted:

[Lincoln State Bank:  The temporary hold has been removed from your card.  We’ll continue to monitor your card for unusual activity]

If a problem is encountered while trying to lift the card restriction:

[Lincoln State Bank:  Sorry, we were not able to remove the temporary hold from your card.  For your security, please call us immediately at              1-800-541-0809]

If the card transaction is confirmed fraud by you, your debit card will be placed in a restricted status, which means it will no longer work.  A new card will be ordered to replace your current card.  The Bank will reach out to you to start the dispute process, when applicable.  

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Fraud Protections

Identity theft affects the lives and credit scores of millions of people annually. A little precaution can go a long way to keep you safe.

• Shred or tear up credit card & ATM charge receipts, credit card solicitations & bills, cancelled checks, account statements, expired cards & similar documents.
  
• Outgoing mail should be deposited at the post office rather than the mailbox, and incoming mail should be promptly removed to avoid thieves from gaining access to your personal information, especially in rural areas.
  
• Review your monthly bank & credit card statements promptly and carefully for any unauthorized activity. You can easily manage and keep a watchful eye on your Lincoln State Bank accounts with Online Banking. Report anything suspicious immediately. With the age of electronic transactions, fraudulent activitycan easily slip by.
  
• Do not put the complete credit card account number on the memo of your checks when paying your bill.  Instead, write only the last 4 numbers. This is all the information necessary for your payment to be applied correctly, and this limits the information to those who might abuse it.
• Never give your personal information over the telephone! Be especially cautious of anyone posing as a law enforcement individual, bank representative, internal revenue service or someone from “prize headquarters”. A good rule of thumb is to never give information to anyone if you did not initiate the telephone call. Once a crook has access to your account number, they can create and issues drafts with your account number to steal funds directly from your account. Never “verify” your account number of social security number over the telephone or internet.
• Use up-to-date virus protection & access controls regularly.
  
• Guard your social security number.  Never carry it in your wallet and avoid having it printed on your checks.
  
• Protect your password & PIN. Never lend them to anyone even if it’s someone you trust, they may be careless and leave it in plain view for a scam artist.  Be mindful around the ATMs for “shoulder surfers”, persons watching to steal your PIN to gain access to your account(s).
  
• Question credit card denials that you receive for no apparent reason.
  
• Periodically check your credit report to see if there are any credit cards and or loans in your name that you didn’t generate.  A free credit report is available at www.annualcreditreport.com.
  
• Do not share your PIN with anyone and do not keep it written down anywhere in your purse or wallet.
  
• Do not use public wireless access for financial transactions.

   

Phishing is an attempt to steal confidential information from consumers via the computer, through the use of “pop-ups” or emails. These emails have Internet links to deceive you into disclosing sensitive information such as bank account numbers and social security numbers. Often times the email appears as if it comes from a trusted source and unknowingly directs you to a “spoof” website that encourages you to divulge sensitive personal information.

Skimmers are devices used to read the magnetic strip from your credit card or check card. They are often hidden in places where you legitimately use your card to make a transaction like an ATM or a restaurant. Your information is typically used within 24 hours of the skim to make online purchases.