IMPORTANT ALERT!

Change in Debit Card Fees

ATM Currency Conversion and CrossBorder Transaction Fees - If you effect a transaction with your Debit MasterCard in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount.  The MasterCard currency conversion procedure includes use of either a goverment-mandated exchange rate or a whole sale exchange rate selected by MasterCard.  The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed.  This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.  MasterCard charges a Currency Conversion Assessment (.2% of the transaction) for performing the currency conversion.  In addition, MasterCard charges us an Issuer CrossBorder Assessment (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion.  A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the Merchant is different than the country of the cardholder.

As a result, effective March 1, 2019, we will charge you a Currency Conversion fee of .2% and a CrossBorder transaction fee of .9%.

Lost, Stolen or Damaged Card Replacement Fee - Effective March 1, 2019, the fee to replace a damaged, lost or stolen card will be $10

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ATM Safety Tips

Protecting Your ATM Card

Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.

Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.

Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.

Never give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately.

 

Using an ATM

Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.

Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.

Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device. Also look for scratches, damaged or crooked pieces, loose or extra attachments on the card lot, or noticeable resistance when pressing the keypad.

Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.

To keep your account information confidential, always take your receipts or transaction records with you.

Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.

If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

 

Special Precautions for Using an ATM at Night

Park close to the ATM in a well-lighted area.

If possible, take another person with you.

If the lights at the ATM are not working, don't use it.

If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.

 

ATM Crime

These tips are meant to make you aware that although rare, ATM crime can happen. Preventing such a crime must be a cooperative effort between you and your bank.