What To Expect If You Card Has Been Compromised

Have you been notified that your card may have been compromised? If so, please know that our team here at First Federal takes that very seriously and is taking quick action to help protect your account. 

If your card has been "compromised" this may not mean fraud has or will occur on your account. It does mean, however, that your card may be at risk of fraud, so we take precautionary steps. A compromised card is one that information like card number, name, and expiration date may have been obtained by an unauthorized source at a merchant where you used your card. A compromised card is at risk of being used fraudulently. Cards may be compromised due to computer theft, card skimming, or any type of suspicious activity.

If we receive a report that your card information is compromised, we will take every step to ensure the security of your new card and accounts. We will reissue  your card with a different number and deactivate your old card. Your new card should arrive within 1-2 weeks. If you need your card sooner, please visit your local branch to receive an instant issue card.

Upon receiving your new card, please:

  • Activate your new card immediately so you may continue making transactions.
  • Destroy your old card and start using your new card.
  • If you've set up recurring payments with a store or service provider, provide those merchants with your new card information.

We suggest that you review your account statement for any unidentified card activity. You can access account information quickly by using one of the following methods:

  • Sign in to your First Federal Online Banking account by visiting or sign into your First Federal Mobile Banking app.
  • Call First Federal Telephone Banking at 888-472-6171
  • Review monthly statements that are delivered electronically or by mail.
  • Contact your local First Federal branch. For a list of locations and hours, visit our Locations & Hours  page.

If you identify unauthorized activity on your account, please contact us at 888-317-8333 immediately.

The following are additional security measures that you, as the customer, can take to protect yourself against the possibility of fraud and identity theft:

  • Sign up for Mobile Fraud Alerts to keep informed about your account activities. When our system detects unusual behavior on your card, we'll send you a text, email, or mobile app notification detailing the questionable transaction. You'll be promptly notified whether it's a deposit into your account, a pending check clearance, or modifications to your online banking profile. All you have to do is reply "yes" or "no" to the text to verify or dispute the activity.
  • Activate Card Controls within Mobile Banking, and manage your First Federal cards from your smartphone. Card Controls empowers you to track spending, lock and unlock cards, restrict purchases, set up alerts, set travel plans, report lost or stolen cards, and so much more.
  • Monitor your credit score with Credit Sense within Online or Mobile Banking.
  • Periodically obtain a credit report from one of the nationwide credit reporting agencies.
  • Review the Annual Credit Report website
  • Visit the Federal Trade Commission’s website for online identity theft prevention guidance or call toll-free 1-800-IDTHEFT (438-4338).

 We know the process of getting a new card can be a pretty big inconvenience and our teams do everything we can to minimize that. Protecting your account is our biggest priority. If you have any specific questions, you may contact First Federal at 888-317-8333.

Check out the Fraud Protection Resources for additional information on staying safe from scams.

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