How We Protect You
Use CardValet to take a proactive approach in deterring fraud on your account. Use it to turn your card on and off, set locations where the card can be used, restrict transactions, establish limits, and schedule alerts for certain transaction types.
- Real-time alerts keep you informed when your cards are used
- Transaction controls allow your cards to work only in specific locations or geographic areas
- When your cards are "off," no withdrawals or purchases will be approved
- Set spending limits for general use or specify thresholds by merchant types, such as gas, groceries or retail stores
- Establish controls by location and change parameters via your mobile device
Download CardValet from Google Play or the App Store on your phone.
Debit Card Fraud Alerts
What are Debit Card Fraud Alerts?
If our system detects suspicious activity on your debit card (such as purchases in an unexpected place), you will receive a text message from Bank First with details about the suspected transaction. All you have to do is respond to the text (“Yes” or “No”) to confirm the transaction. If you indicate the transaction is fraud, you will receive another message with a number to call for follow-up information. If you indicate the transaction is not fraud, no further action is required on your part. Our system will mark the transaction as legitimate, and you can move along with your day - it’s as simple as that!
Getting Started with Debit Card Fraud Alerts
New debit card holders will be automatically enrolled after the card is activated. If our system detects fraud on your account at any time, you will receive a text message from Bank First alerting you of the matter. At that time, you may respond to the text message to confirm the transaction. If you do not wish to utilize this service, you may choose to opt-out upon receipt of the initial text message by replying “STOP”. If you are interested in receiving fraud alerts via text message, please make sure Bank First has your current cell phone number on file. If you are unsure whether we have your current cell phone number, don’t worry! Call or stop by your local office during regular business hours, and an associate would be happy to help.
Code of Business Conduct & Ethics
Our Code of Business Conduct & Ethics conveys our commitment to safeguarding confidential customer information and maintaining high ethical standards. Our team of bankers are dedicated to protecting the confidentiality of information entrusted to them by the bank and its customers. We take pride in our ethical integrity and encourage our employees to always do the right thing.
Keep in mind Bank First will never contact you by email, text, or phone to ask for your Access ID, Online Banking Password, PIN, Social Security Number, or any other personal information. If you believe you are being contacted by an unauthorized individual, please visit your local branch or contact a Bank First representative using a legitimate number provided on our website. We will be able to verify whether a Bank First employee contacted you for any reason. If you believe you have been a victim or identity fraud, please visit our Identity Fraud page for more information.
Secure Browsing & Encryption
Bank First uses special encryption to safeguard personal information such as your user name, password, and account information. The procedural safeguards we use are compliant with federal standards. Always make sure to check your search bar to ensure your information is encrypted. Information is encrypted when the URL starts with https:// and a lock symbol is shown in the browser.
Online Banking Automatic Log Off
Bank First will automatically log you off from your Online Banking session after a period of inactivity. We do this to reduce the risk of unauthorized individuals accessing your account when your computer or mobile device is unattended. As a best practice, we recommend always manually logging off prior to leaving your computer or mobile device.
Bank First offers multi-factor authentication to help its business customers protect against online banking fraud. Multi-factor authentication, the use of a second level of authentication in addition to the standard user ID and password, is one of the most effective ways to deter fraudulent online activity. When logging into your Online Banking session using a multi-factor authentication security token, you use both a unique serial number and a predetermined personal identification number. These tokens cannot be duplicated, remotely hacked, or spoofed.
Enhanced Security Measures for Businesses
For a comprehensive list of enhanced security measures, CLICK HERE.