Fraud and Security Center
The impact of identity theft and online crimes can be greatly reduced if you can catch it shortly after your data is stolen or when the first use of your information is attempted. One of the easiest ways to get the tip-off that something has gone wrong is by reviewing your monthly statements provided by your bank and credit card companies.
If you suspect your debit card, ATM card, checks, or credit card have been lost, stolen, or compromised in any way, please use the following guidelines to contact us.
- During Business Hours, please call (574) 235-2000 or toll free 800-513-2360 Monday through Friday from 8:00 a.m. to 8:00 p.m. ET, and Saturday 9:00 a.m. to 1:00 p.m. ET.
- If you have a lost or stolen Resource Plus Card to report during non-business hours and are in the United States, please call 800-472-3272. International callers should call collect (973) 682-2652.
- MasterCard® Theft Resolution Services will also assist if you think your identity has been compromised. Certified resolution specialists are available 24/7 and can help you with credit bureau notification, canceling all of the lost or stolen cares in your wallet, and more! Call 800-622-7747.
If you have debit card transactions within Online Banking or on your statement that you did not make, or you are seeing a discrepancy in a transaction amount, please contact your Banking Center or call (574) 235-2000 or toll free 800-513-2360 Monday through Friday from 8:00 a.m. to 8:00 p.m. ET, and Saturday 9:00 a.m. to 1:00 p.m. ET.
1st Source will NEVER request that you reveal or confirm your personal or account information via email, an email link or text message.
Typically, fraudsters blanket an area with calls, texts, or emails hoping that even 1% of those contacted will provide personal account information. These scams have hit the largest banks in the past. Now the fraudsters have moved to regional and community bank clients hoping to trick unsuspecting people into giving up their account information. Robotic systems are used to randomly select phone numbers in a certain area to send calls/texts.
The crooks will often use the name of the largest bank in a geographic area. Since 1st Source has the largest deposit market share of a bank headquartered in Northern Indiana, we have been targeted in the past. A bank with a higher market share will give them a higher opportunity to hit our customers.
If you are contacted by someone claiming to be from 1st Source and they request any personal account information, hang up or delete the message without providing any information. Unfortunately, if you have been tricked into releasing information, contact your Banking Center immediately or call Customer Service at (574) 235-2000 or toll free 800-513-2360 Monday through Friday from 8:00 a.m. to 8:00 p.m. ET, and Saturday 9:00 a.m. to 1:00 p.m. ET. Clients should also review their account history to ensure no fraudulent transactions have taken place.
- Call 24-hour Cardmember Service at 800-558-3424.
- To reach Cardmember Service via email, login to your account and click on Messages.
- If you have a lost or stolen Credit Card to report during non-business hours and are in the United States, please call 800-558-3424. International callers should call collect (701) 461-1556.
During business hours, please call (574) 235-2000 or toll free 800-513-2360 Monday through Friday from 8:00 a.m. to 8:00 p.m. ET, and Saturday 9:00 a.m. to 1:00 p.m. ET.
Immediately Follow These Five Steps:
Close any accounts that you know - or even think – might have been tampered with or opened fraudulently. Report the transgression to a security spokesperson at the relevant company. Ask them about any additional steps – they'll probably ask you to send relevant copies of the fraudulent activity.
You can also use the FTC Theft AffadavitID Theft Affidavit (PDF, 56KB) as formal certification of your dispute.
Use the online complaint form; or call the FTC's Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.
- Never share user IDs, passwords, PINs, etc. with anyone.
- Do not use the same login or password on any other website or software.
- Keep sensitive data out of your email
- Emails and text messages are not secure and can be intercepted by hackers.
- Never send any personal information (account numbers, social security numbers, passwords, etc) via text message or email.
- Do not open any messages from an unknown sender, and do not click on unfamiliar links that may be sent via text message, popup, or email
- Do not allow a web site to keep sensitive information or credentials for future convenience.
- It is best to use a home or work network that is protected by firewalls and antivirus software.
- Do not neglect your device software updates to reduce the risk of having your device hacked or compromised.
- Do not connect to public or unknown wireless networks, there's a higher risk of your device being compromised.
- Protect your device with a password or passcode when it is not in use.
- Use the security options available on your device (password, biometric, PIN) Also consider adding additional security and antivirus software.
- Monitor your accounts on a regular basis and report any suspicious activity to 1st Source.
- Sign up for e-Statements, notification of your statements emailed but the email does not contain any sensitive information.
- Alerts notify you of your balances and deposits.
- CardValet app control where your Resource Plus Card is used and receive alerts anytime your card is used.
Protect yourself from skimming at payment terminals & ATMs.
How to spot card skimmers.
Identifying Signs of a Skimmer
- Glue marks around the reader
- Tape sticking out from under the reader
- Reader is skewed or hanging off to the side
- Loose piece of plastic or equipment sticking out from reader
Small cameras are often attached to the ATM to get your PIN number after you enter your card. Cameras may be hidden above the PIN pad, above the display screen, or in nearby structures, like a rack or shelf.
- If you see a small pinhole drilled into the ATM, be careful, as it could be a small camera.
- If you see something like a pack of cigarettes, book, deck of cards, or mug sitting on or near the ATM, move it aside to see if it is hiding a camera.
- Legitimate cameras installed by the bank are usually very noticeable. They may be large, and there may be a sign indicating where they are. Card skimmer cameras are usually very small or hidden.
These are usually shaped as a rectangular bar. It will usually be glued or taped onto the ATM itself. This bar may contain a camera and other equipment to get your card info.
- Look for a small pinhole in the bar. If you see one, it likely contains a small camera.
- If it is attached to the light, be especially wary. Normally, there should nothing covering the ATM's light.
- If you're uncertain about a piece of equipment on the ATM, try wiggling it with your hand. If it budges or moves, it is likely a skimmer.
Useful tips to avoid card skimmers and guard against fraud:
- Keep an eye out. – Be aware of your surroundings and people nearby.
- Check for tampering. – When you approach an ATM or a merchant's card reader, check for some obvious signs of tampering at the top of the machine, near speakers, the side of the screen, the card reader itself, and the keyboard. Note if things look different, such as a dissimilar color or material, graphics that aren't aligned correctly. If something doesn't look right stop your transaction and inform the merchant and 1st Source.
- Be ready. Have your card ready for your transaction when you approach the card reader or ATM.
- Memorize your PIN. – never write it down or store it with your card.
- Cover those keys. – when you are typing in your PIN cover your hand.
- Wiggle Everything. – Even if you can't see any visual differences, push at everything. Terminals are solidly constructed and generally don't have any jiggling or loose parts.
- Watch out for weekends. – Criminals typically install skimmers on Saturdays or Sundays, and then remove them before locations reopen on Monday.
- Use the chip. – Whenever possible, don't use your card's magnetic stripe to perform the transaction. When you use your chip card your personal information is never transmitted.
- Use your phone and Mobile Wallet. Consider using Apple Pay, Samsung Pay, or Android Pay. These services tokenize your card information, so your personal information is never exposed. If a criminal somehow intercepts the information, he'll only get a useless virtual credit card number.
- Pay attention to your cell. Keep your phone handy so 1st Source can reach you. Keep your phone numbers and email address up-to-date with the bank. Responding quickly can mean stopping attacks before they can affect you.
- With Fraud Monitor, we analyze your debit and ATM card transactions 24 hours a day — if a suspicious transaction is found, then one of our fraud analysts will contact you to confirm the transaction and prevent loss.
- We monitor both local and international fraud trends to make sure we are aware of the latest scamming developments.
Your online security is always a top priority for us. That's why we employ and offer the following initiatives to keep your information private and secure.
This security service is free, easy and most importantly, gives you extra protection from fraud and identity theft.
1st Source employs multifactor authentication to keep your confidential information safe, and it conforms with the latest regulatory guidelines. If you are logging in with your username and password for the first time on a PC, we will send a one-time passcode via email, voice call, or text message. When prompted, simply enter the one-time passcode to complete the log-in process.
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 in to your account.
1st Source also offers Fingerprint ID. It's more secure than a password, and it's completely unique to you.
- Use your fingerprint to securely log in to your account.
- Uses the same fingerprint recognition you set up on your mobile device.
- Go to Settings on the Mobile App to find out which verification methods are available on your particular device. For more information about all of our Mobile Banking products and features, click here.
Fingerprint ID is compatible on iPhone 5S or higher iPad Pro, iPad Air 2, or iPad mini 3 or later, running iOS 8 or higher and Android devices that have compatible fingerprint support running Android 6.0 or higher.
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.**
CardValet® - Your Debit Card on Your Terms
With CardValet®, you can save time and rest easy by controlling the debit card in your wallet with the phone in your pocket! An app for smartphones, 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 download the CardValet app for free on Apple® or Android™ devices, enter your card information and you're set up for control of your card.
* 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: www.mastercard.us/zero-liability.html. 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).
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 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, or call a toll-free number for more information.
What will Fraud Monitor do?
If a transaction on your card is not typical, this is what you can expect:
- An automated call will ask you to verify recent transaction activity on your card.
- You can validate charges via your touch-tone keypad.
- 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 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 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.
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 (800) 472-3272. International callers should call collect, (973) 682-2652.
To help you feel more secure about the safety of your personal information, 1st Source has partnered with Deluxe® to offer an identity theft protection plan. You know Deluxe; you've used the checks they produce for years.
What is identity theft?
Identity theft affects millions of consumers every year. It occurs when someone uses your financial or personal information without permission to open new accounts, take control of existing ones or make purchases with your identity.1st Source Identity Theft Protection powered by Deluxe offers three customized packages to fit your needs.
- ID Protect - Includes proactive Internet monitoring of up to 14 personal identity points to ensure that your information is not exchanged online. Also includes identity restoration to help you recover your identity in the event that it is compromised.
- ID Protect Plus - Combines all of the features of ID Protect, along with the monitoring of one credit bureau to alert you to any changes in your credit report.
- ID Protect Platinum - Includes ID Protect and the monitoring of all three credit bureaus to alert you to changes in your credit report. Also includes public record monitoring and emergency card assistance in case any of your cards are ever lost or stolen.
Additionally, Deluxe® offers each of their services a la carte so you can pick which services are right for you.I'd like to learn more about Identity Protection powered by Deluxe®.
Identity Theft Protection powered by Deluxe® is serviced by EZShieldSM, Inc. Additional identity theft protection products may be offered when enrolling for Identity Protection at an additional cost.
There are many fraud tactics being used today. Awareness is the first step in prevention. Please review the most common fraud tactics below. (And even more here!).