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Compromised Cards


What is a compromised card?


          A compromised card is a card that is at risk of being used fraudulently. Cards may be compromised due to computer theft, unauthorized network intrusion, or any type of suspicious activity.


How does the Bank of Orrick react to compromised cards?  


          The Bank of Orrick takes every compromise seriously and requires affected customers to order a replacement card. Customers will receive telephone notification if their card has been compromised. Replacement cards can be ordered when you visit us at the main bank or branch.


If my card is compromised does that mean fraudulent transactions have been made?  


          No, a compromised card does not mean any fraudulent activity occurred on your account. Take the opportunity to review your statements each month to check for fraudulent transactions.


What do I need to do if I discover fraud on my account?  


          If your card is still active, call the bank immediately at (816) 770-3311.


How long will it take to receive my replacement card?  


          Customers should receive their new cards in 7-10 days.


Will I be charged for the new card?  


          No. The Bank of Orrick will not charge our customers for replacement cards under these circumstances.


What if I do not what to have my card shut down?  


          Compromises are serious and fraudulent activity may occur if the card is not shut down. Many members do not experience fraud when a compromise is reported, risk still exists if the cards are not shut down and replaces.


This has happened to me before, is there anything I can do to prevent it?  


          Unfortunately, we have no way of stopping criminals from hacking into databases of merchants, or stealing information. While the possibility of a card being used fraudulently is low, we are aware of the inconvenience customers’ face when a card has been compromised.


Is there anything I can do to ensure that fraud doesn’t occur on the card?  


          Always know where your card is, and if you misplace it, contact us immediately so we can block the card from use. Never write your PIN on the card or carry the written PIN with you. You should also check your statement monthly for fraudulent activity.


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