Debit Card Fraud

Protect Yourself from Debit Card Fraud

With the increase in identity theft and debit card (also referred to as your MEMBER CARD) fraud, it is critical to be aware of what fraudsters are doing and what you need to do to protect yourself.

What is Debit Card Skimming?

Card skimming occurs when the electronic information contained on your MEMBER CARD debit card is stolen, counterfeited and used to obtain funds from your account without your authorization. Hidden equipment, such as pin-hole cameras and card reading devices, are installed to obtain your Personal Identification Number (PIN) and card data. Often, the ATM or point-of-sale machine has been physically altered. The stolen data is then encoded onto a counterfeit card, which is used to withdraw funds without your knowledge.

What's Your Responsiblity?

As a North Peace Savings & Credit Union MEMBER CARD holder, it’s your responsibility to protect your PIN as well as practice the tips below in order to protect yourself from this type of fraud.

How to Protest Yourself


•Memorize your PIN. Your PIN is your electronic signature. If you disclose your PIN to someone else, you could be held liable for losses.
•Use your hand or body to shield your PIN when you are conducting transactions at an ATM or at a point-of-sale terminal.
•Check your transaction records against your financial statements regularly.
•Keep a low limit on the amount of funds you can withdraw at an ATM. If your card information is jeopardized, the perpetrator only has access to limited funds, thereby reducing your potential liability.


•Pick an obvious or common PIN. Numbers like your address, telephone number, date of birth, etc. are all easy to find out. Choose something more complicated. If you don’t, you could be held liable for losses.
•Disclose your PIN to anyone, even friends or family.
•Let your MEMBER CARD debit card leave your sight when conducting a transaction. Don’t let it be swiped twice and remember to obtain your card and the receipt as soon as the transaction is complete.
•Ignore your instincts. Always be alert – if someone is watching you or makes you feel uncomfortable, cancel the transaction and use a different machine.

How we help to reduce Debit Card Fraud

Most debit card fraud happens during non-business hours, i.e. late at night or on the weekends.  Fraud losses due to debit card skimming have been on the rise. In an attempt to reduce future losses, North Peace Savings & Credit Union has a Hot Card Service plan in place.
The Hot Card Service will report to North Peace Savings & Credit Union on a 24/7 basis any MEMBER CARD that is suspected to have fraudulent activity on it. This system is used to determine if a card has been used at a known skimming location. When we are closed the Hot Card Service will block any debit card as soon as a Suspect Alert is received. Once the card is blocked no further transactions can be performed with that card.
If you suspect you have been a victim of debit card fraud where it pertains to your account with North Peace Savings & Credit Union, contact your branch right away.

If you want to report a lost or stolen debit card call 1-800-277-1043.