Protecting you from unauthorized use of your Check Cards and Credit Cards is one of our top priorities at State Bank of Alcester. To mitigate fraud, we have implemented a monitoring system, called Falcon, to help guard your Credit Cards and Check Cards against fraudulent activity. If suspicious activity is detected on your card, you will be contacted by us or a fraud specialist calling on our behalf to verify the transactions in question.
What is Falcon?
- Monitors all card transactions for unusual or suspicious activity
- Takes into account your normal activities
- Each transaction is scored based on the likelihood of fraud
- Depending on the score, once an unusual or suspicious transaction takes place, you will be called and/or the account will have a temporary block put on it until you can be contacted.
How am I notified?
During the notification process, the fraud specialist from Falcon will note that he or she is calling on behalf of State Bank of Alcester. The fraud specialist will ask you to validate your identity via a series of qualifying questions that must exactly match the information in our records to successfully autheniticate your identity. Please remember that we will NOT ask for your card number or PIN (Personal Identification Number) to verify your identity. Always use caution when providing your card information, and contact us immediately if you suspect your card has been stolen or compromised.
If you cannot be reached, Falcon may put a temporary block on your account to prevent further fraudulent activity.
What do you need to do?
To ensure that we can reach you promptly if fraudulent activity is suspected, we need to have current contact information on file, including:
- Home phone number
- Cell phone and/or work number
- City, state and zip code
It is also very important to keep this information current. If your information changes, please contact us immediately.
Fees and limits may apply on Check Cards and Credit Cards. Credit cards subject to credit approval.
Product descriptions herein do not take the place of required disclosures under federal and state regulations. Please contact us for disclosures appropriate to these accounts.”