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.
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