Get real-time access to checking balances, no matter where you are. Withdraw funds at the ATM or pay for your purchases instantly — whether at the register or online.
Pay at the swipe of a card, with funds deducted directly from your account. And it's free with any checking account from your Hometown Community Bank!
- Free with any Hometown Community Banks checking account
- Pay for purchases directly from your checking account
- Withdraw funds at the ATM
- Avoid the hassle of cash and checks
- ATM-only cards also available
With an ATM card you can access your account 24/7 at any ATM machine. Withdraw cash, transfer funds or view your balance — all while on the go. Although you aren't able to make purchases with an ATM card, you can use it to access multiple accounts at the ATM!
10 Important ATM/Debit Card Safety Tips
Debit card fraud can be even more devastating in some ways than credit card fraud since, in this case, the fraudster gains access to the money you are using for everyday spending.
1. Pay attention to your surroundings.
2. Park in a well-lighted area close to the ATM and prepare your transactions before approaching the ATM.
3. Cancel your transaction and leave the ATM if you notice something suspicious or feel uncomfortable.
4. Shield the keypad while entering your PIN number.
5. Put your cash in your wallet or pocket immediately.
6. Take your transaction receipt with you.
7. Review your sales slip for the correct amount before signing it. Never sign a blank sales slip.
8. Make sure the merchant returns your card to you.
9. Memorize your PIN number.
10. Protect your debit card as you would cash, checks or credit cards.
Using your PIN
1. Don't give your PIN to anyone, including all members and friends.
2. Don't write your PIN down and carry it with you.
3. Don't use an abvious PIN, like your birth date, that can be associated with you.
4. Shield your PIN when using it to make a transaction.
5. Review bank account statements to ensure accuracy.
If you suspect your card or PIN has been compromised, please contact us immediately at 309-266-5337 or after business hours at 800-472-3272.
Detecting Illegal Skimming Devices
Skimming devices is one method fraudsters use to capture card numbers and PINs. Skimming devices may be placed on an ATM or other places you are able to swipe your card, such as gas pumps. These devices are designed to look like part of the machine and are often difficult to detect. Be aware of anything that appears unusual around the keypad or card swipe slot. Does it not appear to fit correctly? Does it not match the rest of the machine? If you have concerns about the machine, immediately notify that business.
Using your Card on the Internet
It is safest to shop online from your home computer rather than a shared computer, such as at a library, school or internet cafe. When shopping online, be sure you are using a secure site. Here are a few tips to tell if a website's shopping cart is secure:
1. When you look at the url of the site, you should see https:// instead of http://. The "s" means the site is secure. Please note that some sites only move you over to a secure server on pages where you are going to give them sensitive information, so you may not see https:// until you actually get to the page to make your purchase.
2. Look for a closed padlock at the bottom of the screen. If the lock is open, the site is not secure. If the lock is closed, the site is secure.
3. If you see a key at the bottom of your screen, that also indicates a secure site. The key needs to be complete with no breaks in it.
Using your Card over the Phone
Often it is hard to know whether a sales call is legitimate. Fraudsters may call day after day - until you think a friend, not a stranger, is trying to sell you something. Fraudsters have an answer for everything. You may be promsied free gifts, prizes or vacation - or the "investment of a lifetime" - but only if you act "right away".
It may sound like a really good deal. In fact, if it sounds too good to be true, it probably is!
Avoiding Identity Theft
Here are a few steps to protect yourself from identity theft:
1. Protect your online banking information. Don't share you login and password with anyone, even another service provider.
2. Visit only legitimate websites.
3. Login directly only to your online banking website. Don't follow any links to it.
4. Log off the online banking site when you are finished.
5. Install firewarll software.
6. Install anti-virus software and keep it up to date.
7. Learn how to spot a phishing email and what to do if you find one.
Online fraud, telephone fraud, credit and debit card fraud are the ways for fraudsters to take advantage of your personal and financial information. Here are a few basic rules to remember:
1. Keep your credit and debit cards numbers private. Never give you card information to someone over the phone unless you initiated the call.
2. Don't fall for scams claiming big rewards for a donation of money or someone claiming to be from a charity.
3. Buy only online from secure online shopping sites.
4. 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.
'Bogus' companies (people who are willing to take your money but who have no actual merchandise to sell), are the most common form of online fraud. You think you're purchasing something when, in fact, the company has no intention of ever delivering the goods. That's why it is a good idea to be sure from whom you are buying when shopping online. Make sure there is physical address and contact information that is reliable. Look for secure shopping carts and sites before you buy.