Debit Card Protection

• Select your unique personal identification number (PIN), avoiding combinations that could be easily guessed, like your name, birth date, or phone number. Refrain from writing your PIN on your debit card in the event it’s lost or stolen. Avoid giving out your debit card number or PIN in response to unsolicited email, text, or phone messages.
• Sign the back of your back card, serving as an easy way to authenticate purchases that require your signature or endowment. 
• Protecting your account’s information, periodically change your PIN by calling 800.992.3808.
• Set up account alerts to get notified right away by email, phone, or text about debit card activity, preventing and detecting fraudulent or suspicious transactions.
• Review your bank statements closely, closely monitoring eStatements or printed statements received via mail to quickly report suspicious or unauthorized activity.

Remember to also request a credit report regularly, checking for signs of identity theft or other suspicious activity. Get your free annual report at AnnualCreditReport.com or by calling 877.322.8228.
 

• Stay vigilant when using your debit card for everyday transactions at ATMs and at point-of-sale locations, covering the keypad to prevent individuals standing nearby (or cameras) from seeing you enter your PIN and ensuring the card reader has not been tampered with. 
• Ensuring each transaction is confirmed, multi-factor authentication (MFA) adds another layer of protection by requiring user verification from more than one source before any transaction occurs. Set up MFA through online banking to further protect your purchases.

If your card was lost or stolen, deactivate your bank card and request a replacement via your My Westfield Bank app, online banking, online chat, or dial 800.368.8930 and press 1.

Freeze and unfreeze your card in your My Westfield Bank mobile app.

1. Log in to your My Westfield Bank app. If you haven’t downloaded the app yet, start here

2. Once logged in, select the menu button (≡) in the top left corner of your mobile device 

3. Select “Banking services” in the expanded menu tab

4. Choose “Guard my card”

5. Begin following the prompts to freeze or unfreeze your card

Use online banking to freeze and unfreeze your card.

1. Log in to your online banking account

2. Select “Banking service center”

3. Choose “Guard your card” located under “Card and online services”

4. Begin following the prompts to freeze or unfreeze your card

The Electronic Fund Transfer Act (EFTA) protects consumers using electronic means to manage their finances, covering transactions that use computers, phones, or magnetic strips to authorize a financial institution to credit or debit a customer’s account. This includes the use of ATMs, debit cards, direct deposits, point of sale transactions, transfers initiated by phones, and pre-authorized withdrawals from checking or savings accounts. 

In the case of an error, fraud, or suspicious transaction, you should notify us no later than 60 days after the receipt of the first statement on which the transaction appeared. The EFTA allows consumers to challenge errors, which can be investigated up to a 45-day period or up to 90 days period if the error involved a new account or point of sale transaction, with limited financial penalties.

If any fraudulent or suspicious transactions are detected, report the transaction via your My Westfield Bank app, online banking, online chat, or call 800.368.8930 and press 2.