Education Center

ID Theft Protection Service

Marion County Bank has partnered with Deluxe to offer Provent Identity Theft Protection to help protect and restore your identity.  Provent offers customizable services so you can choose the right protection to balance your budget and risk tolerance from month to month.  They also have services available to assist you in restoring your identity after identity theft occurs, whether you had prior identity protection or not.

Learn more about Provent ID Theft Protection

Identity Protection Tips

• Carry only necessary information with you.  Leave your Social Security card and unused credit cards in a safe and secure location.
• Do not provide your Social Security number unless absolutely necessary.
• Make photocopies of vital information you carry regularly and store them in a secure place, such as a safe deposit box.  Then, if your purse or wallet is lost or stolen, you have contact information and account numbers readily available.
• If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call.  Then contact the company using legitimate sources such as contact phone numbers found on the company's website, your bank statements, and those listed on your ATM, debit or credit card.
• Never provide payment information on a call that you did not initiate.
• Replace paper invoices, statements and checks with electronic versions, if offered by your employer, bank, utility provider or merchant.
• Shred documents containing personal or financial information before discarding.  Many fraud and identity theft incidents happen as a result of mail and garbage theft.
• Review your credit report at least once a year to look for suspicious or unknown transactions.  You can get a free credit report once a year from each of the three major credit bureaus at www.annualcreditreport.com.
• Subscribe to a daily credit monitoring service, such as Marion County Bank's provider, Provent Identity Theft Protection.

Checking Account Security Tips

• Report lost or stolen cards and checks immediately.
• Review account statements carefully. Regular account review helps to quickly detect and stop fraudulent activity. Ask about suspicious charges. 
• With Marion County Bank's Internet Banking, you can monitor your account online any time and as frequently as you like.
• Limit the amount of information on checks. Don’t print your driver license number or Social Security number on your checks.
• Store new and cancelled checks in a safe and secure location.
• Carry your checkbook with you only when necessary.
• Use tamper-resistant checks. Marion County Bank checks include many safety features such as chemically sensitive paper, heat reactive ink and a security square that cannot be reproduced by copiers or scanners. 

Credit Card and Debit Card Security Tips

• Always keep your credit or debit card in a safe and secure place. Treat it as you would cash or checks. Contact 1-800-383-8000 if your debit/ATM card is lost or stolen, or if you suspect unauthorized use.  Contact 1-800-558-3424 if your MCB credit card is lost or stolen.
  
• Do not send your card number through email, as it is typically not secure.
• Do not give out your card number over the phone unless you initiated the call. 
• Regularly review your account statements as soon as you receive them to verify transactions. Contact Marion County Bank immediately if you identify any discrepancies with your debit/ATM card statement. Contact 1-800-558-3424 if you identify any discrepancies with your MCB credit card statement.
• If you have forgotten your PIN or would like to select a new one, please visit Marion County Bank.
• To protect your account, Marion County Bank recommends you change your Personal Identification Number (PIN) regularly.
• When selecting a PIN, don’t use a number or word that appears in your wallet, such as name, birth date, or phone number.
• Ensure no one sees your PIN when you enter it. Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
• Cancel and cut up unused credit and other cards. If you receive a replacement card, destroy your old card.
• Shop with merchants you know and trust.
• Make sure any internet purchase is secured with encryption to protect your account information. Look for secure transaction symbols such as a lock symbol in the lower right-hand corner of your web browser, or https://...  In the address bar of the website. The “s” indicates “secured” and means the web page uses encryption. 
• Always log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
• Safe-keep or securely dispose of your transaction receipts.

Falcon Fraud - Keeping your MCB Debit Card Safe

Protecting you from unauthorized use of your debit card is one of our top priorities at Marion County Bank.  To mitigate fraud, we have partnered with Shazam, our electronic funds transfer network, to implement a monitoring system called Falcon.  Falcon will help safeguard your debit card against fraudulent activity.  If suspicious activity is detected on your debit card, you will be contacted by a Shazam fraud specialist calling on our behalf to verify the transaction in question.  If you initiated the transaction, there will be no action taken.  If you did not initiate the transaction, steps will be taken before more fraudulent transactions can occur.

To ensure that you can be reached promptly if fraudulent activity is suspected, we need to have your current phone numbers and email address.  We encourage you to provide both a primary and secondary phone number to help us avoid any delays in response to fraud alerts.  These may be your home, work or cell phone numbers.  It is also very important to keep this information current.  If your contact information changes, please inform us immediately.

The phone call will come from a live person, never a recording.  The caller will never ask for personal information such as your social security number, debit card number, PIN, etc.  Always use caution when providing your personal and debit card information and contact us immediately if you suspect your debit card has been stolen or compromised.

Many of the fraudulent transactions are done over the internet or internationally.  If you will be traveling in the United States or abroad, please contact Marion County Bank and let us know the dates and locations.  This will help in recognizing which transactions may be legitimate versus fraudulent.

Marion County Bank values the trust you have placed with us, and we hope this new system will be a benefit to you in protecting your debit card from fraud.  If you have any questions or concerns, please call our Card Services Department at 641-628-2191.  If you need to return a call from Falcon Fraud Manager, you can call them at 1-866-508-2693.

Shazam Brella - Monitor your Debit Card for Fraud with this App

With the Brella app, you can access balance information anytime, anywhere via your smartphone, tablet or the Internet. As a Brella user, you are able to pause your card with the transaction control feature and use GPS to locate nearby ATMs.