Bank North ATM/Debit Card Fraud Monitoring

Bank North is committed to protecting our customer's assets and information. To help protect you against credit/debit card fraud, we have enhanced our fraud protection system to include Real-Time EnFact, a sophisticated neural network system.

The neural network is used to identify and score high risk spending patterns. If the risk score exceeds Bank North's risk threshold you may be called.

You May Be Called.

  • When a transaction on your card appears to fall outside of your usual spending pattern, an alert is created.
  • A fraud analyst or automated voice system then contacts you at your home, office or cell phone to verify whether you authorized this transaction.
  • Part of the verification process requires that you provide the last 4 digits of your Social Security number.
  • If the automated voice system cannot reach you, your transaction may be denied.

If you are called:

Customer Answers Call:
  • Automated calls using a VRU (voice response unit) will register as 1-800-262-2024 (inside US) or 1-973-682-2652 (outside US) as the caller ID.
  • You'll be asked to verify your identity and provide your 5 digit ZIP code.
  • You'll be asked to verify recent transaction activity on your card.
  • You'll be able to respond via your touchtone keypad.
  • You'll also be provided a toll-free number to call should you have additional questions.
VRU Leaves Message:
  • Automated calls using a VRU (voice response unit) will register as 1-800-262-2024 (inside US) or 1-973-682-2652 (outside US) as the caller ID.
  • Message will state "This is the fraud detection center calling to verify recent transactions on your Bank North ATM/debit card account. Due to unusual activity, a temporary hold may have been placed on your account. Please have (customer name) call us as soon as possible at 1-800- 262-2024 by (today plus 10 days). They will be asked to enter a personal message code (six digit code). We are available 24 hours a day, thank you."
  • Neither Bank North nor our business partners will call you and ask you to provide or verify your credit card, debit card or account numbers we already have that information.
  • Recently scammers have been calling card holders and asking them for their 3-digit security code (found on the back of the card).
  • Never give your full account information, PIN or 3-digit code to anyone who calls you on the phone or contacts you by email, no matter how legitimate the request may sound.

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. Therefore it is important that you provide us with your most up-to-date phone numbers and keep us informed on any travel plans. This is part of our continued effort to provide you with the best protection available when using your debit/ATM card.

Travel Alert: If you plan to travel, you should alert Bank North before departure so that your card account can be placed on the Fraud Monitoring List. While your card is on this list, your transactions will be scored, but no alert will be created so you will not be contacted regarding your transactions while traveling.

Note: You can authorize another person to verify your transactions on your account. You must provide us with the person's name and that person has to able to provide us with the cardholder's identifying information (ex. Last four of cardholder's social security number).

Program our Card Security phone number (1-800-262-2024) into your cell phone so you know when we are calling, along with our Lost/Stolen number (1-800-472-3272). We hope you enjoy the peace of mind that comes with knowing your card carries state-of-the-art security features.