Debit card fraud can happen fast – but knowing what to look for and what to do can help you stay one step ahead. At Call Federal, we’re committed to keeping your money safe and making sure you know what to do if something doesn’t look right.
How Debit Card Fraud Happens
1. Skimming: The Classic Trick
Criminals sometimes attach tiny “skimming” devices to ATMs or gas pumps to capture card information when you swipe. Some even hide micro-cameras nearby to record PINs. Before inserting your card, give the reader a gentle wiggle and look for anything that seems loose, mismatched, or tampered with. If it doesn’t feel right—don’t use it.
2. Data Breaches: When Retailers Get Hacked
Even when you do everything right, a store or restaurant’s system could be compromised. Criminals sell stolen card numbers online, which can lead to fraudulent charges weeks later. Watching your transactions and setting up alerts can make a huge difference in catching these early.
3. Phishing: When Scammers Pretend to Be Us
Scammers have gotten smarter—and their emails or texts can look almost identical to legitimate communications. Be cautious of unexpected messages asking for personal information, even if they “look” official. Remember: Call Federal will never ask for your full card number, PIN, or online banking password by phone, text, or email.
Simple Ways to Stay Protected
- Use your chip whenever possible. It creates a one-time code that’s nearly impossible to counterfeit.
- Cover your PIN. A hand shield is the simplest defense against hidden cameras.
- Set up real-time alerts. They’re your best early-warning system. You’ll know instantly if something looks off.
- Don’t bank on public Wi-Fi. Use your mobile data or a trusted network when checking your accounts.
- Inspect card readers. Especially at gas stations or standalone ATMs—these are prime targets for skimmers.
If You Notice Something Suspicious
Act fast.
If your card is lost, stolen, or you see a charge you don’t recognize, call Card Services right away at 804.274.1200, option 3. They’re available 24 hours a day, 7 days a week, 365 days a year to help with lost cards, suspected fraud, or disputes.
When you report an issue quickly, you limit potential losses and get your replacement card sooner. If Card Services can’t verify your information, they’ll connect you with our local team to update your account safely.
We’re in This Together
Fraudsters may keep finding new tricks, but with awareness, a few smart habits, and a credit union that’s got your back, you can feel confident using your debit card anywhere.
At Call Federal, your security is our top priority… and we’re always here to help protect what matters most to you!