• Osceola, IA (641) 342-2175
  • Lamoni, IA (641) 784-3120
  • Winterset, IA (515) 462-5090

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Debit Card Security


{slider=What information does the cardholder have to supply in order for En Fact Notifications to confirm their identity?}En Fact Notifications will ask the cardholder to enter the primary account ZIP code. This ZIP code must match what is on the cardholder record in our system. Once the ZIP code is validated, the cardholder will be provided with the transaction information. If the cardholder is unable to correctly enter the ZIP code, they will be transferred to the Call Center to speak to a Call Center Analyst.

{slider=If EnFact Notifications reaches an answering machine leaves a message, will alternate phone numbers for the cardholder also be called?  Will EnFact Notifications make a second call to the cardholder or will the case just appear on the Case Status report the next day?}En Fact Notifications will leave a message at the first available answering machine. If there are additional phone numbers available, En Fact Notifications attempts to contact your cardholder by phone at each of the numbers you provide. The VRU makes two attempts to each number in 2- hour increments, each day for two days. The VRU will leave only one message and one contact number.

{slider=What if someone answers the phone but hangs up before the whole message is delivered?}Depending on where in the message the cardholder hangs up, EnFact Notifications will discontinue calling for the day and continue calling on day two. If it is day two, the case will be closed with an unconfirmed status, or EnFact Notifications will continue to call any remaining numbers until the call strategy is complete for the day.

{slider=When a message is left for a cardholder, how does EnFact Notifications convey who the message is for?}EnFact Notifications will state your financial institution’s name and the cardholder’s name.

{slider=If the cardholder indicates they did not perform a specific transaction(s), what happens? Do they automatically get transferred to a live person?}The cardholder will be automatically transferred to the Call Center to work with a Call Center
Analyst and have their card restricted.

{slider=When a cardholder calls back into En Fact Notifications, what information will they need to be prepared to provide?} The cardholder will need the toll-free number (866-750-9107), the Personal Message Code, and the Primary Account ZIP code.

{slider=What does the financial institution need to do with reported unconfirmed fraud?}The financial institution must follow up on any unconfirmed fraud with the cardholder


We’re serious about doing all we can to protect you from debit card fraud.

That’s why we’re asking you to call us when you plan to travel outside the U.S or another state.  

We’ll make sure you’re able to continue using your card without any problem.  

It’s just one of the many ways we’re working to help ensure your security.

We may be calling you.

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity with may include a sudden change in locale (such as when a U.S.-issued card is unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, we’ll be calling you to validate the legitimacy of your transactions.  Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automatic call will ask you to verify recent transaction activity on your card.
  • You’ll be able to respond via your touch-tone keypad.
  • You’ll also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud.  To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. 

Protect yourself.

1. Unless absolutely required for a legitimate business provide, avoid giving out your:

  • Address and ZIP code
  • Phone number
  • Date of birth
  • Social Security number
  • Card or account number
  • Card expiration date

2.  Your PIN is private, NEVER give it out.

  • In stores and at ATMs, always cover your card and PIN, and watch for:
  • Cell phone cameras, mirrors, or other tools used to view cards, and PINs.  
  • People watching your transactions.
  • Cashiers taking your card out of sight, take it to the register yourself.
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM.

3.  Online; you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate businesses.
  • Link to website; such sites can look legitimate but may collect data or put spyware on your computer.





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Interested in...
Fraud Assistance
Accident Death & Dismemberment Ins.
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