Fraud is on the rise, putting every American at risk of becoming a victim. This is why the security of your VCNB accounts is our number one goal. In everything we do, every decision we make, we first consider the risk involved and how our actions will affect your security.

We have systems in place to keep your Debit/ATM card and your VCNB accounts safe and secure. To protect your account, we monitor your transactions for possible fraudulent activity 24 hours a day, every day of the year.

What is potential fraudulent activity? Some red flags include a string of expensive purchases inconsistent with your usual spending patterns or a sudden change of locale. We also look for patterns associated with new fraud trends around the world.

For example, if you purchase gasoline in Lancaster, Ohio just hours after a purchase is made in Florida, this would raise a red flag. A series of purchases for hundreds of dollars of merchandise may also be cause for concern.

If we suspect fraudulent activity, our monitoring agency will call you to verify the validity of your transactions. It is imperative that you respond to this call to prevent additional risk and avoid restrictions that we may place on your card for your protection.

If we contact you:

• You will be contacted between the hours of 8 a.m. and 9 p.m. in your local time zone.
• An automated call will ask you to verify recent activity on your card.
• You will be able to respond via your touchtone keypad.
• You will be provided a toll-free number to call if you have additional questions.

If we are unable to reach you, the transaction that triggered the suspected fraud may not be approved. Also, your card may be temporarily restricted to prevent your exposure to fraud.

It is imperative that we reach you if potential fraud is detected so please keep VCNB apprised of your correct contact information including home, cell and work phone numbers, email address and home address.

Also remember that our policy is to never solicit personal information via phone, email or text message. If someone contacts you requesting account information, your social security number, PIN, passwords or other personal information, do not provide this information.

If you are uncertain about the validity of a contact you receive from someone claiming to represent VCNB, please call our Customer Service Department at 1.800.542.5004 or the number on the back of your card.

Want to learn more? Stay tuned. Later this week we’ll talk about what you can do to protect yourself and your accounts from fraud.