Twin Valley Bank is pleased to introduce CardValet®, a mobile
card management application that helps reduce account fraud by allowing
cardholders to monitor accounts with their smartphone and control how, when
and where their debit card is used.
CardValet will be
available to Twin Valley Bank Debit Cardholders on July 29, 2019
CardValet was developed in partnership with Fiserv and is available
in the Apple® App Store or Google® Play. Once
CardValet is set up, cardholders have the ability to “turn off” their card
when not in use, establish transaction spending limits and decline a
transaction when the amount exceeds a predefined threshold.
Real-time smartphone alerts can be customized based on the types of
information each cardholder would like to receive. For example, a cardholder
can set up an alert to be notified when a card is used, when a transaction
is approved and exceeds any of the permitted use policies, or when a card
transaction has been attempted but has been declined based on the parameters
CardValet offers cardholders the capability of linking additional
accounts to better monitor dependent spending. So, by using the GPS system
in their smart phone, geographic use restrictions can be established for
college students along with restrictions on merchant type and spending
CardValet is also ideal for small businesses. All transactions can be
monitored or controlled for specific merchant categories, such as travel,
restaurants or entertainment, and can be denied or reported for types of
merchants deemed not business related.
CardValet is ideal for users who want to actively manage their cards.
CardValet’s inventive and thoughtful approach to card management makes the
user experience as easy as possible. We are excited to offer this tool to
our cardholders! Not only is CardValet user-friendly and convenient, but it
will aide in our continued efforts to prevent fraud and identity theft for
Important Notice to Debit Card Holders
Due to recent fraud trends, Twin Valley Bank has implemented
additional settings to help protect your account from fraudulent
activity. These settings
will require you to use your Personal Identification Number
(PIN) for certain transactions both in the U.S. and abroad. It’s a security feature that protects you and the bank
from fraud loss. While
this may only be required on certain transactions, we encourage
you to use your PIN whenever possible. PIN based transactions are less susceptible to fraud than
signature based due to the added security. If you do not know your PIN, please contact a customer
service representative at 937-839-4628.
We are continually monitoring fraud trends, which could result
in frequent changes and updates to the list of transactions
effected. If you are
planning to travel it is best to notify us beforehand to see if
your destination is listed. In
addition, Twin Valley Bank has enhanced Fraud Security
Protection on our Debit Card Program. When High-probability
Fraud transactions occur, both your card and transaction may be
blocked. Due to this increased security it is important to
provide Twin Valley Bank with updated contact information.
To report lost, stolen,
or compromised debit cards call
Fraudwatch Plus :
Here are some tips on how you can help safeguard your account:
- Always let Twin Valley 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.
- Update contact information so that
we can contact you in the case of Fraudulent Activity
- Memorize your PIN. Don't write in on
your card, or anything you carry near your card
- Keep your card in a safe place at
- Don't tell anyone your PIN or
- Don't loan your card to anyone
- Report lost or stolen cards
immediately. You may be liable for activity on your card if
you do not report it as lost or stolen
- NEVER respond to an email or phone
call requesting personal information
Protecting Yourself from Online Fraud
Keep your credit/debit card numbers private.
Never give your card number to anyone- not even someone
claiming to be from a charity-over the phone.
Don't fall for scams claiming big rewards
for a donation of money. For example, don't believe anyone
who says they will give you a cruise if you donate $100
dollars to their charity.
Only buy from secure online shopping sites.
If possible use online bill payment services
when you shop online to avoid having to enter in your credit
Be wary of work-from-home scams. Remember,
you should be paid for doing a job; you shouldn't have to
pay to get one.
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