Around-the-Clock Monitoring.
Real People. Real Protection.
Every FVSBank debit card includes 24/7 fraud monitoring. If unusual activity is detected, we may temporarily restrict your card and contact you to confirm the transaction.
What We Monitor
Our fraud monitoring system reviews debit card activity for transactions that may be unusual or potentially unauthorized.
Unusual Spending
Transactions that do not match your typical spending habits.
Unexpected Locations
Purchases made at unusual times or in unfamiliar locations.
Known Fraud Patterns
Charges that are similar to known or emerging fraud trends.
How You May Be Contacted
If fraud is suspected, a live fraud analyst may call you on behalf of FVSBank Card Services to confirm recent activity.
- Calls may be placed between 8:00 am and 9:00 pm
- The analyst will address you by name and may reference the last four digits of your debit card.
- The caller will identify themselves as calling on behalf of FVSBank, or Fox Valley Savings Bank
- You will be asked whether specific transactions were authorized
If the transaction is fraudulent
Your card will remain blocked to help prevent additional unauthorized transactions.
You will be asked to contact or visit your local FVSBank branch for assistance with replacing your card and reviewing your account.
If the transaction is valid
Your card may be reopened after the activity is confirmed.
In some cases, additional review may be required before the card can be used again.
Protect Your Personal Information
FVSBank will never contact you by email, text message, or unsolicited phone call to request sensitive information such as:
- Your Digital Banking username or password
- Your full debit card number
- Your PIN or card security code
- A one-time verification code
- Your Social Security number
- Your complete account number
How to Help Protect Your Account
Keep us updated
- Keep your phone number and address current
- Let us know when your contact information changes
Monitor your accounts
- Review your account activity through Online and Mobile Banking
- Report transactions you do not recognize immediately
Plan before traveling
- Submit a travel notice in the FVSBank Mobile App before traveling
- Confirm that your contact information is up to date
Additional Debit Card Safety Tips
ATM Safety
- Inspect the ATM for loose, damaged, or suspicious parts
- Cover the keypad when entering your PIN
- Cancel the transaction if anything looks unusual
Online banking safety
- Never share your username, password, or one-time passcode
- Change your password immediately if you believe it has been compromised
- Do not trust caller ID alone. Criminals can make a call appear to come for a legitimate phone number