- Contact Justin State Bank at 940-648-2753 to report a lost or stolen card or contact (888) 297-3416 after hours. If you have downloaded the Charis Banking app and utilize online banking, you may also service you debit card by locking it or reporting lost or stolen. You can also manage your card and receive alerts via the MyCardRules app.
- 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.
- Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.
- Justin State Bank employees will never ask you for your PIN number or require it to service your account.
- Never give any information about your ATM card or PIN over the telephone. If you receive a call, text or email supposedly from your bank or another official party wanting to verify your PIN, refuse to provide them your personal information. Notify the police immediately.
- 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. Do not 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, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, 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.
- Park close to the ATM in a well-lighted area.
- Take another person with you, if at all possible.
- If the lights at the ATM are not working, do not use it.
- If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.
How do I protect myself and my small business?
- Educate your employees. You and your employees are the first line of defense against corporate account takeover. A strong security program paired with employee education about the warning signs, safe practices, and responses to a suspected takeover are essential to protecting your company and customers.
- Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location. Do not use unprotected internet connections. Encrypt sensitive data and keep updated virus protections on your computer. Use complex passwords and change them periodically.
- Partner with your bank to prevent unauthorized transactions. Talk to your banker about programs that safeguard you from unauthorized transactions.
- Pay attention to suspicious activity and react quickly. Look out for unexplained account or network activity, pop ups, and suspicious emails. If detected, immediately contact your financial institution, stop all online activity and remove any systems that may have been compromised. Keep records of what happened.
- Understand your responsibilities and liabilities. It is critical that you understand and implement security safeguards. If you don’t, you could be liable for losses resulting from a takeover.
OnGuard Online is the federal government’s website to help you be safe, secure, and responsible online.
FDIC Insurance Estimator
- Sign your new card as soon as it is received.
- Keep your account information and PIN number secure. Choose a PIN that is unique; do not share it with anyone, do not write it down or store it in your wallet.
- Conduct transactions privately. Make sure no-one watches you enter your PIN.
- Be alert to skimmers. If the machine looks like it has been tampered with, altered or has loose parts, do not use it.
- Be careful when shopping online, make sure the site you are visiting is reputable and secure (“https” in the URL is an indication of encryption).
- Avoid transactions that require your credentials when using public Wi-Fi or a shared computer.
- Look through your bank statements when you receive them. Report suspicious transactions to the bank immediately.
- Report a lost or stolen card immediately; call toll free (866) 297-3416. Outside of the U.S. call (206) 389-5200.
- Make photocopies of the front and back of your card and keep it in a secure location.
you will be asked to call back (855) 293-2456.