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Customer Security

ATM/Debit Card Security

Safeguarding your credit and debit cards

Using credit and debit cards is the most convenient way to pay for goods and services - in person, over the phone, by mail, or on the internet - and also one of the most secure. To keep the power of your credit and debit cards from falling into the wrong hands, here are some simple, common-sense things you can do.


In Public


  • Treat your cards and your PIN like your house keys. Never let them out of your sight, even for a moment.
  • Choose a PIN that isn't obvious to others, and don't write it on or near your card.
  • When keying in your PIN, be sure no one is watching.
  • Do not discard ATM or credit card receipts in a public place.
  • Do not use a credit or debit card for identification, and never write a card account number on a check.


At Home


  • Keep good records, and review account statements promptly and thoroughly.
  • Guard your account numbers.
  • If you see a questionable transaction on a statement, immediately notify the card issuer.
  • Never give your credit card numbers to unsolicited callers. If you're uncertain, ask for more information by mail.
  • Before disposing of card receipts or statements, destroy areas where account numbers are visible. It's best to shred all documents with personal information before disposing of them.
  • Keep information about all your card accounts in a secure place, so you can act quickly if one is lost or stolen.
  • Get a copy of your credit report once a year from each of the three national credit bureaus and check carefully for discrepancies.


On the Internet


  • Firewalls and other software can protect your computer from viruses and other menaces. But be on guard against questionable websites and email scams designed to trick you into disclosing sensitive financial information.
  • Turn off your computer when you're not using it, even if you have antivirus and firewall software.
  • Be aware that banks and other legitimate businesses never email customers asking for passwords or updated information.
  • Never click on a link in a suspicious email. Instead, confirm the Web address on your own, then type it directly into the browser window.
  • Before making an Internet purchase, make sure the merchant is reputable by locating an image of an "unbroken key" or "closed lock" security icon in the corner of your browser window.
  • Change passwords and PINs periodically.


If your card is ever lost or stolen, or if you suspect card fraud…


  • If your card was stolen or you believe you are the victim of card fraud, immediately call the police as well as the card issuer.
  • Remember, your date of birth and Social Security number are not stored on your credit card. So, if your Social Security card or other personal information is lost or stolen, call the police and the Social Security Administration.
  • Contact the three national credit bureaus immediately. They can place a "Fraud Alert" in your file, which lets banks and merchants know there's a problem.
  • Check your card and bank statements diligently until the problem is completely resolved.
  • Request copies of your credit report from all three national credit bureaus and check them thoroughly. (If you have already requested free copies of your credit reports during the same calendar year, there may be a charge.)

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To contact the credit bureaus:


P.O. Box 740241
Atlanta, GA 30374-0241


P.O. Box 949
Austin, TX 75013-0949
Allen, TX 75013-0949


Trans Union
P.O. Box 6790
Fullerton, CA 92834-6790

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Automated Teller Machine(ATM) Safety Precautions


  • Be sure to close the entry door completely upon entering and exiting. Do not permit any unknown persons to enter after regular banking hours.
  • Always use a well lit ATM.
  • At a drive-up facility, make sure all the car doors are locked and that your windows are closed with the exception of the driver's window.
  • Place withdrawn cash securely upon your person before exiting the ATM. Count your cash after you are in the safety of your car, home or other secure area.
  • Protect the secrecy of your personal identification number (PIN). Do not write your PIN where it can be discovered. Never lend your ATM card to someone or tell them your PIN.
  • Be alert of your surroundings. Look out for suspicious activity near the ATM. If you are concerned with the security in the ATM facility please contact the bank's security department at 800-222-9801. Please use the nearest available public telephone to call the police if emergency assistance is needed.
  • For your safety, the activity of the ATM facility may be recorded by a surveillance camera or cameras.

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Enjoy added security on the web with MasterCard® SecureCode™

Be more confident when you shop online. With MasterCard SecureCode it's simple and more secure. This service enhances your existing Salisbury Bank Debit MasterCard account. You choose a private code, which provides added protection against unauthorized use of your card when you shop online at participating merchants.

To choose your own SecureCode, click here and follow the simple steps. Or log on directly at

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Get an extra layer of security when you shop online with Verified™ by Visa®

In addition to our other ways of preventing, detecting, and resolving fraud, we offer Verified by Visa, a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction.

Click here to sign up

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