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By: First International Bank & Trust
Black Friday, Small Business Saturday, Cyber Monday; the Christmas shopping season is upon us. At First International Bank & Trust, we want your holiday purchases to be stress free. Here are some tips to keep your shopping safe and secure.
Have a plan
Scope out the sales & research to see if you are getting the best pricing. When shopping online, look for the padlock symbol to ensure the website is secure, prior to providing your debit or credit card information.
Know your debit card spending limits
Request a temporary increase if you know you’re going to go above those limits. Standard First International Bank & Trust debit card limits are $500 at the ATM and $1,000 point of sale.
Consider having an “online spending” account you only use for online shopping
This not only protects your primary account in the event there is a breach, but also helps you keep track the amount of money you designate to spend during the holidays. Mobile transfers make it easy to transfer money into your “online spending” account.
Card Valet® is an exclusive offering that lets you manage your debit or credit card anytime, anywhere through your smart phone. Card Valet® allows you to turn your cared “on” or “off,” customize interactive alerts and much more. It’s a quick and easy way for you to monitor your transactions online and in-person during this busy shopping season.
Two-way debit card text alerts
First International Bank & Trust offers two-way debit card text alerts as a benefit to all debit card holders. If our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you need to do is respond to the text message with a “Yes” or “No” to validate the transaction. Enrollment is simple; call us at (800) 359-8092 or visit any of our branch locations.
Mobile wallet is a way to carry your debit or credit card in a digital format on your mobile device. Rather than using our physical plastic card to make purchases, you can pay with your smart phone, tablet or smartwatch. We are proud to offer Apple Pay, Samsung Pay and Android pay compatibility with both our debit and credit cards. It’s easy, secure, and works at thousands of stores and participating apps.
Protecting your account from fraud is our priority. Share your holiday travel destinations with First International Bank & Trust by submitting a travel notification through your online banking or calling (800) 359-8092 to ensure the use of your debit or credit card is seamless when traveling out of state.
The First International Bank & Trust family wishes your family, a very Merry Christmas and a happy and safe holiday season.
MINNEAPOLIS, MN: First International Bank & Trust, based in North Dakota with 27 branch locations across North Dakota, Minnesota and Arizona, was recently named the top extraordinary bank in the United States by The Institute for Extraordinary Banking™ at the Best Banks in America™ Super Conference.
First International Bank & Trust was recognized as the 2018 Extraordinary Bank of the Year, a national honor for exemplary performance in five areas of banking: philanthropy, customer service, thought leadership, workplace culture, and financial literacy education.
“Being recognized as the 2018 Extraordinary Bank of the Year was an awesome accomplishment,” said Peter Stenehjem, fourth-generation banker and President of First International Bank & Trust. “We have been expanding our footprint by building new branches while other banks are contracting. We’re integrating the latest technology online and in the branches to enhance customer experiences and have reimagined the traditional branch environment by adding restaurants/breweries all under one roof. The acquisition of leading FINTECH company, Kotapay, is the next phase in our ever-evolving effort to not only stay relevant within the community banking arena but thrive in it. We are positioned well to continue our growth and prosper for another 100 years - taking us into the fifth generation and beyond!”
The Extraordinary Banking™ Awards highlight the vital, yet often overlooked, role that community banks play in our economy. The Banky™ recognizes the top 1% of banks: The Best Banks in America™.
“We are extremely proud to receive this top honor,” said Steve Stenehjem, Chief Executive Officer and Chairman of the Board of First International Bank & Trust. “I would like to thank our employees who are driven to care for and create extraordinary experiences for our customers and communities, each and every day.”
To learn more about what was shared to help First International Bank & Trust earn this award, visit www.firstintlbank.com/ExtraordinaryBankoftheYear
We are humbled and excited to share that First International Bank & Trust was once again chosen as a winner of the 50 Best Places To Work - as voted upon by our employees. This is our fifth year in a row obtaining this amazing achievement.
You may read the full article by Prairie Business magazine here.
At First International Bank & Trust, we want to make sure that using your debit card is always as safe and convenient as possible. That’s why we are adding text alerts as part of our ongoing fraud monitoring program.
With text fraud alerts, if our system detects suspicious activity on your debit card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the test to confirm the transaction.
If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that.
Getting started: If we have your current mobile number on file, you will receive an initial text message the week of August 13, 2018 with instructions to verify your enrollment and then you’re all set.
Want to make sure we have all of your current contact information? Simply log into Online Banking and go to “Quick Forms” and select “Address Change” to update your information. You may also call at 1-800-359-8092 or stop by your nearest location to update your contact information.
To learn more, watch our short video:
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