Compromised Visa Debit Card Update
As a valued First Bank of Highland Park Client, our primary focus is keeping your personal information safe and secure. We have been notified that some Visa Debit Cards may have been compromised in the course of a third party security breach. This incident continues to be investigated by the processor, the card associations and law enforcement agencies.
Important things you should know:
The compromise affected purchases made at U.S. Target stores (not online) between 27 November and 15 December 2013. This includes all major debit and credit cards (Visa, MasterCard, Discover, American Express, etc.).
Your account is protected by Visa’s Zero Liability Policy which ensures that you are not responsible for unauthorized purchases made on your First Bank of Highland Park Visa Debit Card, whether you shop in a store, over the phone, or online.
First Bank of Highland Park has ordered replacement cards for Clients affected by the security breach.
Always review your account activity on a regular basis and report any unauthorized transactions immediately by calling Deposit Operations Department at (847) 432-7800.
You can also order a free credit report from each bureau on an annual basis by calling (877) 322-8228 or by going to www.annualcreditreport.com.
If you see anything you don’t understand, call the credit agency on the report or the following numbers: Equifax – (800) 685-1111, Experian – (888) 397-3742, Trans Union – (800) 888-4213.
We will continue to provide you with updates and more information as it becomes available to us. Also, please note that First Bank of Highland Park will continue to monitor your accounts according to our internal anti-fraud procedures. If you have any questions please call us at (847) 432-7800.
Important Notice from Target: unauthorized access to payment card data in U.S. stores
Target has announced a compromise of credit and debit card data at its US stores from Nov. 27, 2013 through Dec. 15, 2013. You should remain vigilant for incidents of fraud and identity theft by regularly reviewing your account statements and monitoring your credit reports. If you discover any suspicious or fraudulent activity on your accounts, be sure to report it to a Personal Banker immediately at 847-432-7800. For more information regarding the data breach please refer to the letter issued by Target’s corporate office.
A strong password consists of 8-12 alpha numeric characters. Your User ID combined with your password can be used to access money in your Account(s) and to access information about these Account(s). You should safeguard your information by protecting your password and keeping it secure with the same degree of care and secrecy that you use to protect your ATM security code and other sensitive financial data.
If you have questions about creating a stronger password, please contact a Personal Banker today at 847-432-7800.
The MasterCard and Visa networks have advised that effective January 27, 2013, U.S. merchants will have the option of adding a surcharge to certain credit card point-of-sale (POS) transactions. Surcharges are prohibited on debit and prepaid card transactions, and in those states that prohibit surcharges.
Additional information, including merchant surcharge guidelines and disclosure requirements, is available from MasterCard and Visa at the following URLs:
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports from consumers who received an e-mail that has the appearance of being sent from the FDIC. The e-mail informs the recipient that "in cooperation with the Department of Homeland Security, federal, state and local governments..." the FDIC has withdrawn deposit insurance from the recipient's account "due to activity that violates the Patriot Act." It further states deposit insurance will remain suspended until identity and account information can be verified using a system called "IDVerify." If consumers go to the link provided in the e-mail, it is suspected they will be asked for personal or confidential information, or malicious software may be loaded onto the recipient's computer.
This e-mail is fraudulent. It was not sent by the FDIC. It is an attempt to obtain personal information from consumers. Financial institutions and consumers should NOT access the link provided within the body of the e-mail and should NOT under any circumstances provide any personal information through this media.
The FDIC is attempting to identify the source of the e-mails and disrupt the transmission.