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Protecting our customers from fraud is a top priority for Middlesex Savings Bank. To give our customers additional card security, we use the VISA Falcon Fraud detection system, which continuously monitors your MSB Visa Check Card activity to help identify and prevent fraudulent transactions on your account.
If suspicious charges outside of the norm appear on your card, our Fraud Service may phone you directly on our behalf to confirm the charges. If they are unable to reach you, they will leave a message asking you to call them back to verify your card activity. They will leave a toll free number for you to call.
To verify your identity, you may be asked to confirm the last four digits of your social security number, your birth date, or last four digits of your card number and your last transaction. You will never be asked to provide your full social security number, VISA check card number, account number, or PIN.
If we are unable to contact you regarding the suspicious charges, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate.
VISA Purchase Authorizations
In an effort to further protect our customers and reduce fraud; we are increasing our VISA security levels and analyzing each transaction for potential fraud. Beginning September 17, 2008, transactions that are highly abnormal from your normal spending activity may be declined.
For Example:
You make a purchase with your MSB VISA Check Card at a local store and within two hours, a large international purchase is made on your card. Since it is unlikely that you traveled out of the country within that time to make the purchase, this transaction will be declined.
Although the Falcon Fraud detection system is designed to detect abnormal activity on your VISA Check Card, it is possible that a legitimate purchase may appear suspicious and be declined. If this occurs, please call us to verify the charges. Once your transaction is verified, you will need to process the transaction again.
Traveling Outside the United States?
Notify us when you travel outside of the United States with the following information:
- Where you are traveling
- How long you will be outside of the country
- When you plan to return
This information will be noted on your account and will alert us to upcoming transactions that will occur outside of your typical spending behavior. Contact us by phone toll-free at 1-877-INFO-CTR (1-877-463-6287), or visit any of our branch locations.
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