Bank-Provided Security

Bank card fraud is a serious and growing problem. Escambia County Bank is committed to helping you provide greater security for your account information and protection of your funds. The following are initiatives the Bank has taken to enhance debit card security.

EMV Cards

Escambia County Bank has made the commitment to upgrade customer debit cards to an EMV chip card with the latest state-of-the-art security. EMV (Europay, MasterCard, and Visa) chip technology is becoming the global standard for debit card payments. EMV cards are designed to prevent theft of card information that was possible by skimming with the older magnetic stripe type cards.

jhaPassPort Fraud Center

The jhaPassPort Fraud Center helps identify dynamic fraud methods as they occur and prevent additional debit card fraud. High-risk transactions are identified and acted upon by a fraud analyst who contacts the cardholders to verify the legitimacy of the transactions. If fraud is confirmed, the debit card is immediately disabled to prevent further activity. If the cardholder is not available to confirm the activity, the debit card is set to a "blocked" card status pending further investigation.

Communication between the Fraud Center and debit cardholders has three methods: SMS Text, Email, and Automated Dialing. The automated dialer takes cardholders through a series of steps to verify the cardholder and the suspect transactions. If you confirm fraud with the voice response system, you will be connected to a fraud analyst.

To ensure that the Bank has accurate contact information, please inform us if you change your phone number or email address.

 

Additional Security Measures for Debit Card Usage

  • If you will be traveling outside of the United States and plan to use your debit card, please contact the Bank at (251) 296-5356 to temporarily activate your debit card for international usage
  • Do not share your PIN with anyone and do write the PIN on the card
  • When selecting a PIN, do not use your birth date, telephone number, or Social Security number
  • Do not disclose information about your card in response to an unsolicited e-mail or request
  • When making online purchases use only trusted sites. Look for secure transaction symbols (https:// and a closed padlock icon) when shopping online to ensure your account information is protected
  • Check your bank statements regularly and please contact the Bank immediately if there is any suspicious activity
  • Check your credit report annually
  • Always protect your debit card and keep it in a safe place, just like you would cash, credit cards or checks
  • Immediately notify the Bank if your card is lost or stolen at (251) 296-5356 or (888) 297-3416