Password Protection

Update Your Passwords

To help protect your accounts, we recommend updating your password every few months. It can be done easily inside the My Settings menu in Online Banking or within the Mobile App. After changing your password, we’ll also prompt you to update your thumbprint or face ID the next time you visit your 1st Source Mobile App, just to make sure we are always up to date with the latest login security settings.

New Password Requirements 

  • Between 8 and 32 characters
  • Minimum 1 of each:  
    • Uppercase letter
    • Lowercase letter
    • Number
    • Special character
  • Passwords are recommended to be changed every 6 months
  • The 2 previous passwords are not allowed to be reused

Online and Mobile Banking Security

Enhanced Security Login

  • Security Notifications:
    • 1st Source employs multi-factor authentication to keep your confidential information safe, and it complies with the latest regulatory guidelines. If you are logging in with your username and password for the first time, we will send a one-time passcode via voice call or text message.
    • This security process provides a safe and easy-to-use means of reducing your risk of credential exposure by using multiple sources to confirm that it’s really you logging into your account.
  • Fingerprint Login and Face Recognition is enabled on compatible devices.
    • It’s completely unique to you and offers another level of security.
    • Your biometric information is encrypted on your device and not shared with 1st Source.
  • Your Information:
    • We use 128-bit encryption technology to protect your credentials and personal information.
    • No personal account data is stored or cached on your device or browser.
  • Monitoring:
    • Session Timeout – your Online Banking session automatically times out due to inactivity or if you forget to log out.
    • We monitor your Online/Mobile Banking profile from time to time to help us detect suspicious activity as early as possible.
    • We might call you if we notice a change in your online activity, but we’ll never ask you for personal information over the phone, such as your Social Security Number, PIN or password.
    • If we are unable to reach you, we may place a temporary hold on your Online Banking until we are able to verify it’s you and not someone else using your account.
    • If you are unable to access your Online Banking, contact Customer Service at (574) 213-9871 to confirm your account activity.

Authenticator App

Clients now have the option to utilize an authenticator app such as Google™ Authenticator or Microsoft™ Authenticator as a secondary account authentication mechanism. Authenticator apps provide a more secure method of providing one-time passcodes to customers due to its reliance on the customer and time to generate its unique codes. This option can be used in place of a phone call or an emailed one-time password to authenticate the account.

Icon on how to verify on mobile device

Debit Card Protection


With MasterCard Zero Liability Protection, you can use your card anywhere – on the phone, online and in stores – with confidence, knowing you’re protected. Your MasterCard comes with zero liability, so you’re not liable for unauthorized purchases.*

Your debit card also includes an extra benefit: MasterCard® Identity Theft Resolution Services. If you think your identity has been compromised, MasterCard® will provide certified resolution specialists to help you. They’re available 24/7.**

Card Control®

With Card Control®, you can save time and rest easy by controlling the debit card in your wallet with the phone in your pocket! As part of your 1st Source Bank mobile app it can help you to avoid fraud, stick to your budget, control where your 1st Source Resource Plus® Debit Card is used and more.

It’s easy too – simply tap on the Card Controls button with the Financial Tools section of the mobile app, then follow the cues and you’re set up for control of your card.


Learn more about Card Controls

Fraud Monitor

A free detection service designed to combat debit card fraud

Fraud Monitor identifies uncharacteristic debit account purchases and activity on all 1st Source Resource Plus® debit cards. If activity on your card appears suspicious, Fraud Monitor will call or text you at the primary telephone number you have on record with 1st Source to determine if you have authorized the transaction. You can respond by touch-tone keypad, call a toll-free number for more information on the call or by responding appropriately to the instructions in the text message.

What Fraud Monitor will do:

If a transaction on your card is not typical, this is what you can expect:

  • An automated call or text will ask you to verify recent transaction activity on your card.
  • You can validate charges via your touch-tone keypad or by responding to the text.
  • If the transaction is not yours, Fraud Monitor will help stop further fraud.
  • You will also be provided a toll-free number to call should you have additional questions or wish to speak to a fraud analyst.
  • If you are called and you are not available, a message will be left for you to call Fraud Monitor.
  • If extreme risk is detected, a restriction may be placed on the use of your card until transactions are verified.

What will Fraud Monitor not do?

Neither Fraud Monitor, nor 1st Source Bank will request your account number, debit card number, password or PIN. However, if you call Fraud Monitor, we will need a way to confirm your identity. If we call you, our automated service will ask for the ZIP code on record with your account. If you call us, we may ask for the last four digits of your Social Security number or your address before we can move on to verify your transactions.

What do you need to do?

  • Please keep us informed of your correct phone numbers (home, work, and cell) and address at all times. Let us know which number should be used as your primary phone number.
  • Notify us if your debit card or cell phone has been lost or stolen (see number below).
  • If you are planning to travel outside of the United States, alert your local 1st Source banking center, to ensure that your debit card transactions are approved.

Our goal, quite simply, is to protect your account at 1st Source and minimize your exposure to risk and the impact of any fraud. 

Contact Us Immediately

Lost or Stolen Debit Card

If you have a lost or stolen Resource® or Resource Plus® Card to report during regular business hours, please call (574) 235-2000.

During non-business hours, if you are in the United States, please call (833) 414-0544. International callers should call collect, (973) 682-2652.

 As a cardholder, you will not be held responsible for unauthorized transactions if: you have used reasonable care in protecting your card from loss or theft; and you have reported the card as lost or stolen to 1st Source Bank within two business days of discovery. For terms, conditions and exclusions see the Customer Liability section of the 1st Source Agreement for Deposit and visit MasterCard’s website: Read the MasterCard® Guide to Benefits.

** MasterCard® Theft Resolution Services will assist you if you think your identity has been compromised – with 24/7 access to certified resolution specialists who can help you with credit bureau notification, canceling all of the lost or stolen cards in your wallet and more. Call 1-800-MC-ASSIST (1-800-622-7747).