Debit Card Resources
Activate your ATM or Debit Card
To activate your card or change your PIN, call 800-757-9848.
If you need assistance with this, please call 800-287-0752 during regular business hours.
Debit Card Fraud Protection
To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.)
If we suspect fraudulent debit card use, we’ll be calling you to validate the legitimacy of your transactions. We wish we could call you personally, but we believe it is more important that we can respond quickly to help protect your debit card from fraud 24/7. Your participation in responding to our call is critical to prevent potential fraud and avoid restrictions we may place on the use of your card.
- Our automated call will verify your identity by asking for your zip code.
- Our automated call will describe transactions and ask you to verify the recent transaction activity on your card.
- You’ll be able to respond via your touchtone keypad.
- You’ll also be provided with a toll-free number to call should you have additional questions.
- The automated system may transfer you to a fraud analyst if you confirm fraud or for further information. The analyst will verify you by asking your name and last 4 of your Social Security Number (SSN).
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.
In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud.
- Unless absolutely required for a legitimate business purpose, avoid giving out your:
- Phone number
- Date of birth
- Social Security number
- Card or account number
- Card expiration date
- Your PIN is private; never give it out.
- In stores and at ATMs, always cover your card and PIN, and watch for:
- Cell phone cameras, mirrors, or other tools used to view cards and PINs.
- People watching your transactions.
- Cashiers taking your card out of sight; take it to the register yourself.
- Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM.
- Online, you should never respond to unsolicited emails that:
- Ask you to verify your card or account number; such emails are not sent by legitimate businesses.
- Link to websites; such sites can look legitimate but may collect data or put spyware on your computer.
- Please be aware: In our continued diligence to protect your accounts, transactions made with your debit card will be evaluated for risk, based on certain trends in card fraud. While unlikely, there is a possibility a legitimate transaction you have authorized may be declined. Should this happen with a signature-based transaction, please re-try the transaction using your PIN instead or give us a call.
- If your issue arises after business hours, you may reach our fraud center directly at (800) 262-2024. If you have been contacted by our fraud center and have been assigned a personal message code, please call (866) 750-9107.
- If you see suspicious activity in your account and/or you have reason to believe your card number has been compromised, call us IMMEDIATELY. If it is after normal business hours, call Visa directly and report your card stolen. Contact us as soon as possible afterward. Find out more about reporting a lost or stolen ATM-Debit card.
- Franklin Savings Bank has teamed up with other community banks to create the Maine Cash Access system, which allows you free use of hundreds of ATMs in Maine. Pick up a map-brochure at any Franklin Savings Bank location. You may also call 1-877-NO-FEE-91 or visit the Maine Cash Access webpage to find out where participating ATMs are located.
- If you are ever accidentally charged a fee for using a Maine Cash Access ATM, please contact Customer Service as soon as possible so that it may be corrected. Please do not include your account number or PIN in any email messages. Instead, tell us where and when the ATM incident took place and leave your name and a telephone number where you can be reached.