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Kingsley State Bank
Kingsley State Bank

Debit Card Fraud Protection

At Kingsley State Bank we’ve got you covered with Falcon Fraud Manager!


What is Falcon?
Falcon is fraud prevention software from SHAZAM, our debit card provider, that helps indentify and reduce fraud risk by detecting potentially fraudulent PIN-based and signature-based debit card transactions. It has a proven reputation of helping minimize payment card fraud losses.

How does Falcon work?
Falcon reviews how and where your card is being used and scores transactions based on transaction data and cardholder profile factors. Each transaction is given a score from 1 to 999, and the higher the score, the greater the likelihood that the transaction is fraudulent.

What happens if Falcon detects fraudulent activity on my debit card?
A SHAZAM Fraud Specialist will call you if any suspicious activity is detected on your account. They will identify themselves as SHAZAM, calling on behalf of Kingsley State Bank. If they are unable to reach you, they will leave a message with their contact information.

Falcon Fraud Manager maintains a 24/7 watch on your account. On high risk activity scenarios they will place a temporary block on your debit card until they can talk to you to determine if the transaction is fraudulent or not. This process has saved our customers thousands of dollars in potential loss.

What information will I be asked for?
SHAZAM will ask you to verify your address. Once your address has been verified, they will then ask you to confirm your purchase activity.

Will I be asked for my personal information?
No. SHAZAM will never ask for your personal information, such as the last four digits of your Social Security number, security codes, etc. SHAZAM will only ask for verification of your address.

Does this service cost anything for me?
No. Kingsley State Bank wants you to be able to use your debit card with confidence. Falcon Fraud Manager is a FREE protection service for you.

What if my debit card is declined at a merchant location?
One of the reasons may be that it was flagged as highly likely to be fraud, based on the way you typically use your card. If your transaction is declined for that reason, you will receive a phone call from a SHAZAM Fraud Specialist to verify the transaction. If it was a legitimate transaction, the details will be made part of your card profile so that these types of transactions have a greater chance of being approved in the future.

What should I do if my card or transaction has been blocked by Falcon due to suspicious activity?
Depending on the time of day, call one of the phone numbers listed below. You may want to save these phone numbers in your phone.

  • You may call a Kingsley State Bank representative, Monday-Thursday from 8:00 am – 4:30 pm, Friday 8:00 am – 5:00 pm at 1-712-378-2341.
  • After hours, you can contact SHAZAM at 1-866-508-2693. You can use this number toll free from anywhere in the world.

How can I be proactive when using my debit card with Falcon Fraud Manager?
Always let Kingsley State Bank know when you plan to travel out of state and out of the country. This can help avoid potential blocks on your debit card allowing you to use it more freely.

In case your debit card is blocked because of fraudulent transactions, we strongly recommend always carrying multiple forms of payment with you.

Tips for preventing debit card fraud on your account:

  • Memorize your PIN. Don’t write it on your card or anything you carry near your card.
  • Don’t tell anyone your PIN.
  • Don’t give your card to anyone else to use.
  • Report lost or stolen cards immediately. You may be liable for activity on your card if you do not report it lost or stolen.
  • Never give you PIN over the phone!
  • Never respond to a link or phone number in an email message requesting personal information! Phishers often use this scam to trick you into divulging personal information.
 
 
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