At First Citizens' we continuously invest in our systems to provide you the peace of mind in knowing that your financial assets and personal information is safe and secure. Whether you bank online, in person or over the phone, we work to protect you against account fraud while keeping you informed about how to protect your identity.
Please note - We have recently seen an increase in fraudulent activity via debit card transactions in the Boston area. Because of such fraudulent activity, First Citizens’ has implemented certain restrictions to help prevent fraud from happening to our members.
For the protection of our members, we are temporarily requiring that all purchases in an amount of $150 or greater require you, our cardholder, to input your PIN number to be able to complete the purchase.
Such rule impacts the following cities/towns:
Lowell, Worcester, Chelmsford, Boston, Burlington, Lawrence, Natick, Ludlow, Needham, Hudson, Dracut, Auburn, Framingham, Athol, Cambridge, Mattapan, Quincy, West Roxbury, Norwood, Westborough
We do understand this restriction may be problematic during certain transactions which is why we have applied an exception to this rule.
There will be no rule requiring you to enter your PIN for any amount in any location for transactions occurring at restaurants, eateries, bars, nightclubs, and Hilton/Marriott Hotels.
Although security is our number one objective, we do apologize for any inconvenience this restriction may bring you.
Should you have any questions or concerns, please call our Contact Center at 800-642-7515.
Chip Card Technology
First Citizens’ will soon be offering debit cards with chip technology – an enhanced security. We are beginning to roll our chip cards to all our cardholders, so there is no need to request one. You will receive your new card in the mail before your current card expires.
What You Can Do
We want to ensure all of our members are not only notified of the latest scams, but also educated on the types of fraud that exist. The more you know, the more likely you will be able to spot an attempt.
What is Identity Theft
Identity theft occurs when someone illegally obtains your personal information (such as your name, Social Security number, account numbers, or other identification) and uses it to open new accounts and/or conduct transactions in your name. Essentially, they try to become you.
What about online fraud?
Online fraud occurs when someone unlawfully obtains your personal information (such as your name, Social Security number, account numbers, or online banking login and password) and makes unauthorized transactions on your bank, loan, or credit card accounts. Often called "phishing" or "spoofing," the most current methods of online fraud are fake emails, websites and pop-up windows
We ask that our members please be diligent in managing their accounts and continue to be on the lookout for fraudulent activity. If you notice anything suspicious regarding your accounts or if you feel your debit card information may have been compromised, please contact our Contact Center at 1-800-642-7515.
Here are more ways you can help prevent fraud
- Sign up for e-Alerts
- Regularly check your statements and transaction history
- Never give personal information/ account numbers over the phone unless you initiated the phone call
- Use secure browsers when shopping online
In the event you will be traveling out of the country and will need to use your First Citizen' Visa Debit Card, we ask that you notify us as soon as possible. This is so that we can monitor your account closely and to ensure your access to your funds when using your First Citizens' Visa Debit Card. If you will be traveling outside of the United States you will need to contact us at 774-628-7875 in order for us to authorize out of country transactions on your debit card.
Please update your phone numbers with us, including your cell number. You can also provide us with a temporary phone number. Please be sure to let us know when you return so we can remove this temporary number. This will allow Fraud Prevention to reach you during your travels, should it be necessary. If you are traveling abroad please take our contact info with you should you need to contact us.
Equifax has announced that 143 million people could be affected by a recent data breach in which cybercriminals stole information including names, Social Security numbers, birth dates, addresses, and the numbers of some driver's licenses. Although you may not personally use Equifax, your information could be compromised.