First State Bank & Trust employs Falcon Fraud Scoring on all debit card accounts. This program adds a layer of protection from possible account fraud by detecting debit card fraud quickly and accurately, minimizing your risk and protecting against losses.
Each of your debit card transactions is assigned a score on a risk-based scale; the higher the score the greater the likelihood of fraud. If the transaction is determined to be high risk, a Falcon Fraud Manager will attempt to contact you to determine whether the transaction is legitimate. If the Falcon Fraud Manager cannot make contact with you, depending on the severity of the score, a temporary block may be put on your account to prevent fraudulent transactions. Signature-based transactions are monitored 24-hours a day, seven days a week.
Absolutely nothing! This program is being offered to our customers at no cost. The program should not affect the way you use your accounts in any way.
Due to the nature of the program, cardholders will be contacted by telephone on behalf of First State Bank when Falcon Fraud Managers detect a suspicious transaction or transactions on an account. This call will be an attempt to verify that transactions were actually made by the cardholder. The Falcon Fraud Manager will verify who they are talking to by verifying the last four digits of your social security number but will never ask for any numbers off of your card itself.
These calls will be made during the following hours:
Yes! Usually when you travel on vacation or go abroad it is not a part of your “normal” consumer purchasing behavior. For this reason it is strongly recommended that before going on vacation or traveling abroad you contact the bank to make us aware of your plans.
You are strongly encouraged to review your account activity as often as possible. This can be done by phone, online or through monthly statements. Any time you identify a suspicious or unauthorized transaction on an account you must report it immediately. This can be done by phone, in person or in writing. The quicker you report, the quicker we can act to identify and prevent any further suspicious or unauthorized activity.