ATM Debit & VISA Debit Cards

KaiPerm offers ATM Debit and VISA Debit cards. VISA Debit cards work like a VISA card at any retailer, plus function as ATM cards, giving you expanded options for using your checking account.

Protecting Your Debit Card

Protect yourself and your debit card by using the following tips:

• Always protect your Personal Identification Number (PIN) when entering your number, whether you are using an ATM or you are entering your number after swiping your card in a merchant's terminal.
• Be very aware of your surroundings, especially if you are outside using any terminal. If you are the slightest bit uncomfortable, stop your transaction, take your card and any type of receipt that has printed, then go to a more secure location.
• Always take your receipt and destroy it thoroughly after you get home. Never simply throw it in the garbage. That receipt contains information that thieves need to use your card information illegally.
• If an ATM isn't working properly and someone attempts to help you by asking you to try the transaction and enter your PIN; you will be the next victim of ATM/Debit card fraud. This is a scam in which the bad guy has purposely jammed the machine (which stores your card number) all the thief needs is your PIN to drain your account of all funds.
• Always report losing your card to your financial institution immediately. It is much safer to have your card blocked and reissued than it is to take a chance on the card being in the hands of bad people. With the professional crooks in the world, it doesn't take long to duplicate the information located on the back of your card.
• It is a good idea to let your financial institution know when you will be traveling out of your immediate area, especially if you plan on going out of the country. That way, as the financial institution reviews the daily reports they will have a better idea that you are the one using your card on business or vacation and that the card hasn't been stolen and being used improperly. Remember to alert your financial institution when you have arrived home.
• Remember to keep your PIN to yourself. The number has been assigned specifically to you and no one else. You can eliminate hassles for yourself later. A way to eliminate temptation for family members is to not give out you PIN to them, either. By sharing your PIN with anyone you remove all chances of recovering any fraud detected on your account.

Have you lost or had your debit card stolen?

Report lost/stolen debit cards at 800-472-3272.