Protect Yourself from Debit Card Fraud

Debit cards are one of the most convenient ways to access your money — whether you’re shopping, dining out, or managing everyday expenses. But as their use has grown, so has debit card fraud. At Mutual Savings Bank, we want to help you stay ahead of scammers and keep your accounts protected.

Stay Alert and Stay Informed

Fraudsters are constantly coming up with new ways to trick people into revealing personal information. They might pose as bank employees or government officials, using phone calls, texts, or emails to request login details or security codes. Remember, Mutual Savings Bank staff or bank examiners will never ask for your username or password. If you receive a call like this, hang up immediately and contact us directly at 317-736-7151.

You can also take proactive steps to safeguard your debit card:

• Sign up for Text Alert Notifications to monitor your account in real time.
• Check your account activity regularly through Online or Mobile Banking.
• Report anything suspicious immediately so we can act quickly to protect your funds.

These simple habits can go a long way toward preventing fraud and keeping your debit card experience safe and convenient.

Using Your Debit Card Wisely

Your Mutual Savings Bank debit card is a powerful tool that offers direct access to your checking account, easy ATM withdrawals, and the ability to make purchases almost anywhere. When used responsibly and with awareness, it’s one of the safest and most efficient ways to manage your day-to-day spending.

To help protect your card:

• Use ATMs in well-lit, secure locations.
• Keep your card in sight during transactions.
• Avoid sharing your PIN or card details online or over the phone.

Mutual Savings Bank continuously monitors debit card activity for unusual transactions and may contact you if something looks out of the ordinary. Your security is always our priority.

Why a Mutual Savings Bank Credit Card Is a Smart Backup

While your debit card is ideal for everyday spending, it’s also a good idea to keep a Mutual Savings Bank credit card as a backup. Credit cards offer additional fraud protection and are not directly linked to your checking account. This can be especially helpful when traveling or making online purchases.

If fraudulent activity occurs, your available funds remain untouched, and unauthorized charges can be easily disputed. Having both cards gives you flexibility and peace of mind — you can use your debit card for routine purchases and your credit card when extra security or convenience is needed.

With a Mutual Savings Bank credit card, you’ll also enjoy the personal service you expect from your community bank. We’re local, accessible, and always ready to help if you have questions or concerns.

Together, We Can Prevent Fraud

Your security is a partnership. By staying alert, using account alerts, and contacting Mutual Savings Bank at the first sign of suspicious activity, you can help protect your financial well-being.

Let’s Bank Together — safely and confidently.