FNBO provides built-in protections to keep your credit card information safe. Identity theft is a serious concern for credit card users, but with FNBO fraud monitoring, you can have some peace of mind with a few safeguards in place.
FNBO Credit Card Protection
We monitor your account 24/7/365, and if we suspect fraudulent activity on your credit card, we notify you immediately. Plus, with Visa1 and MasterCard's2 Zero Liability program, you are not liable for unauthorized transactions.
Signs you might be a victim of Identity Theft
If at any point you think you’ve become a victim of ID theft, follow the steps below to secure your accounts:
Step 1: File a complaint with the Federal Trade Commission (FTC) at 877-ID-THEFT (877-438-4338) or www.consumer.gov/idtheft. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations.
Step 2: Contact the fraud department of the three major credit bureaus to place a fraud alert on your credit file. This alert will request that creditors contact you before opening any new accounts under your name. Once the credit bureau confirms your alert, all three will send you a credit report free of charge. The alert will remain on your account from 90-180 days.
Step 3: File a police report. Get a copy of this report so that you can dispute unauthorized charges and use for any insurance claims.
Step 4: Close any accounts that may have been compromised or opened fraudulently. This list of accounts may include: bank accounts, credit cards, retail cards, phone companies, utilities, and other service providers. Dispute any unauthorized charges. The FTC website provides many helpful resources, including a sample dispute letter and a form affidavit which can be used if a sworn statement is needed by any creditors.
Tips for Online Identity Theft Prevention
Tips for Home Identity Theft Prevention
For additional information security practices you make at home and on your personal devices, see our Information Security Center.
1 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.
2 Zero Liability does not apply to MasterCard-branded cards issued: to an entity other than a natural person; primarily for business, commercial, or agricultural purposes; outside of the U.S. region; or if a PIN is used as the cardholder verification method for the unauthorized transaction(s).