The holiday season is here and time to enjoy good times with family and friends, but unfortunately, fraudsters are always ready to crash the party! Safeguarding your account information is crucial, especially this time of year as so many of us enjoy the convenience of online shopping. Please routinely monitor your accounts for ANY suspicious activity of any type—ACH entries, debit card transactions and even fraudulent/altered checks. If you see anything unauthorized or that appears questionable, please report it to us immediately by phone 256-718-4200 or a visit to your local branch.
For more information, please visit the following link for more details on how to protect yourself.
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Our First Southern Bank Visa® Debit Card allows 24-hour access to your checking account to make purchases or withdraw funds at ATMs nationwide. First Southern Bank does not charge fees for using any ATM nationwide.
1Daily limits of $2,500 for purchases and $500 at ATM’s per card (not account).
The Visa® Alert Service sends an alert for every transaction authorization that fits the cardholder’s pre-set parameters, to their mobile phones via SMS text and/or e-mail.
Through the Visa Alerts Service, cardholders have the ability to:
Each Visa alert contains important transaction details such as the amount, time, date, alert type and the type of purchase. It also includes the merchant name and location and the currency conversion exchange rate for international transactions.
An alert is triggered whenever a transaction meets a cardholder’s pre-set parameters. All alerts are sent from VisaNet® on behalf of participating issuers when a transaction occurs.
An Invaluable Tool and Convenient Way to Stay On Top of Things
The Visa Alerts Service offers cardholders a whole new world of advantages:
1 Actual time to receive a transaction alert is dependent on wireless service and coverage within area. The Visa Alerts Service may not be available in all areas. Account activity qualifying for the Visa Alerts Service may vary by issuer. Additional terms, conditions and restrictions may apply.
To access information about Visa Purchase Alerts, Visa cardholders can visit https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html . Once enrolled, cardholders can set up specific alert triggers that meet their individual account information needs. Anytime a transaction takes place that meets the Visa cardholder’s defined parameters, he or she receives an alert in “near” real time. Triggers can include:
VISA ALERTS SERVICE
If you are traveling out of the area, please contact our office and inform us of the dates you will be traveling. This will prevent the appearance of fraud occurring on your account. We do have a block on all non-US transactions. If you travel outside of the US, we will need to lift the Non-US flag to allow your transactions to be approved.
In order to prevent debit card fraud, it is sometimes necessary to place blocks on certain merchant types or transactions in certain states or areas. If you are out of state and are declined during a transaction, ask the merchant to run your card as a debit with your PIN. If you are still experiencing problems, call our office at (800) 625-7131.
If you need to report a lost or stolen debit card issued by First Southern Bank, please call 1-866-546-8273
If you need to report a lost or stolen credit card issued by First Southern Bank, please call 1-866-598-1769