Lost or Stolen Cards

You can help protect yourself from fraud.

CoastalStates Bank and Visa® are working closely together to catch any fraudulent behavior and protect your account. There are also some simple things you can do. Remember, your Visa check card is backed by Visa's Zero Liability policy, so even if your card or its number is ever lost or stolen, you won't be responsible for unauthorized charges.

Protect your Personal Identification Number (PIN):

  • Never write down your PIN. Memorize it as soon as you get it.
  • Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.
  • Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links. Visa, your bank or any other legitimate online merchant will never ask for your PIN or other personal financial information via e-mail.
  • At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.

Spot suspicious activity and protect your account:

1. Review your monthly checking account statements to spot any unauthorized purchases. You can also monitor your account activity online at any time.

2. Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report




3. If you spot any unauthorized charges, please contact us immediately at 1-888-RING-CSB (746-4272). If it is after normal business hours and you need to report your CoastalStates Bank Visa® Debit/ATM Card lost or stolen, please contact 1-800-554-8969. Also, contact your local CoastalStates Bank branch during normal hours.

4. You should also contact the three credit reporting agencies listed above to notify them of any suspected fraud or identity theft.

Customer's FAQ about Card Data Compromises

Q: I recently noticed fraud on my account. Is the fraud related to the incident?
A: It is unclear whether this fraud is related to the Heartland Payment Systems incident. It is important to know that regardless of where the fraud occurred, you are protected by Visa's Zero Liability policy.

Q: How did this happen?
A: When your card is swiped at a merchant or you enter your number into the computer when buying online, the information is transmitted to third parties that process that information so your card-issuing bank or credit union can accept your transaction. A criminal may have gained access to your card information through one of the entities involved with processing your transaction, including the merchant. While fraud resulting from data compromises is rare, it's important to understand that you're protected with Visa's Zero Liability policy.

Q: How many cards were involved in the incident?
A: Unfortunately, we don't have access to that information.

Q: Has the security breach been fixed?
A: Yes, the affected processor is working to ensure no further information is exposed.

Q:What part of my information was stolen?
A: We believe that those perpetrating this incident may have accessed your card account number and the secret code on the magnetic stripe that prevents counterfeit cards. It's important to note, though, that although your information may have been compromised, it does not necessarily mean fraud has occurred on your account. We are actively monitoring the activity on your account to protect you from fraud. Additionally, all consumer Visa credit and debit cards are protected with Visa's Zero Liability policy.

Q: What are the chances that I will become a victim of identity theft as a result of this incident?
A: It is important to know that there wasn't any personally identifying information stolen such as Social Security numbers, so we believe that the risk of identity theft is reduced. In fact, fraud rarely occurs on accounts compromised during a data breach. It's always a good idea to regularly check your credit report for incorrect information. In fact, you're entitled to one free copy of your credit report every year at www.annualcreditreport.com or by calling 1-877-322-8228.

Q: If I become a victim of identity theft, how will CoastalStates Bank help to restore my good name?
A: In the unlikely event you become a victim of identity theft, Visa, working with the consumer network group, Call For Action, provides all consumers with a toll-free telephone hotline to assist identity theft victims. By calling 1-866-ID-Hotline, victims can receive free and confidential assistance from trained counselors.

Q: What is CoastalStates Bank doing to protect my personal account information, especially in this case?
A: CoastalStates Bank offers consumers multiple layers of security protection against fraud, including Visa's Zero Liability policy, the cardholders' ultimate protection. With Zero Liability, consumers are not responsible for any unauthorized purchases made with their Visa cards.

Visa recently announced a breakthrough, patent-pending, antifraud technology called Advanced Authorization. This technology instantaneously analyzes every Visa credit and check card transaction's potential for fraud, including whether it was part of a reported data compromise. It can also pinpoint coordinated attacks on multiple accounts in real time. Advanced Authorization is being applied to every Visa credit and check card purchase today.

Q: What can I do to ensure this doesn't happen to me again?
A: While we employ the latest systems and technology to monitor and prevent card fraud and many merchants also take the necessary precautions to protect your card information, there are some practical steps you can take to help protect your card information:

1) Shop with merchants you know. If a deal seems too good to be true, it probably is.

2) Check your account statement promptly and immediately report any transactions that you don't recognize.

3) Destroy all receipts before discarding them since some of them may have your card number reprinted on them.

4) Guard your card - don't use it as collateral or give out your card number to someone calling on the phone, unless you initiated the call for a purchase.

5) Check your credit report at least annually to ensure its accuracy.

6) Register your card to use Verified by Visa and shop online with merchants that participate in the Verified by Visa service. This provides additional protection against unauthorized use of your card online.

Customer Service

If you have questions, just call Toll Free 1-888-RING-CSB (1-888-746-4272) or (843) 341-9900 and speak to a Banking Specialist or e-mail us at bankingspecialist@coastalstatesbank.com.