The Twin Valley Bank

Debit Card

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 established.

 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 limits.

 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 our cardholders.


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

To Active a Card, or Change your PIN: 1-800-992-3808

Enfact Fraud Call Center : 1-877-253-8964

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 all times
  • Don't tell anyone your PIN or account number
  • 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 card information

  • 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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