I wrote the other day that I'm stressed. Well my week unfortunately hasn't gotten better. I tried to use my bank's check card last night and it was declined. I know that I have more than enough in my account to cover what I was trying to purchase, so I called Commerce Bank. Well after being told there was fraud on the card and because it was afterhours, I called this morning. Imagine my shock when the customer service rep told me, that someone had tried to purchase $11 worth of shoes at Payless in Kansas. I'm nowhere near Kansas and I have never been to it.
So I go to Commerce Bank this morning and took the appropriate steps to stop whomever has my card from being able to use it again. David, who helped me rectify my account situation at the bank (and by the way was extremely nice and knowledgeable), told me some steps I can take to safeguard my account. I think everyone should know David's tips as identity theft is, sadly, becoming more common.
1.
Always take money out from a bank's ATM. The banks all have the same carrier that services their ATM machines. If you go to a convenience store, delis or bodegas, the ATM's are not as safe. They don't have the same servicer as the banks. That's not to say those atms aren't safe, according to David, they are still safe 99% of the time.
2.
If you're going to travel out of state, call your bank and let them know. The banks track your movement and so if they see a transaction out of the ordinary, a red flag goes up. Just to save yourself any stress, call them in advance. Also this helps to let them know where you are, because they'll be able to quickly spot any transactions out of the norm.
3.
Call your bank to let them know your current phone numbers (home and work), if you move or change the numbers. Also do the same with your address. This was what I failed to do and I could've saved myself a lot of stress had I updated my profile with the bank. When I opened my bank account, I had a different phone number and a different job. My bank tried to call those numbers and didn't reach me. But the great thing about Commerce Bank was they immediately put up their fraud guards. It took me 22 days later, when I tried to use my bank card, to find out the fraud on my account. I can't say enough good things about Commerce Bank and the excellent job they did to secure my account at the first sign of fraud. Also there was zero liability on my part as far as the fraudulent transactions.
Hope this is helpful.
P.S. To the mofos out there who had my information, karma's a bitch.
P.P.S. Commerce Bank is along the East Coast. Look them up online. They are commerceonline.com. Seriously the greatest bank in the world.