- As soon as you receive your debit card, ensure that the card in the envelope has your name, and that it is spelt accurately. If there is any error, inform the Bank immediately.
- Sign on the reverse of the debit card immediately. This helps comparing your signature when you make payments at shops, hotels etc. Unsigned debit cards are more prone for fraud transaction in case of loss of the card.
- Keep the debit card in a safe place like your wallet or purse, where you can quickly notice if it is missing. Many times it is too late by the time debit cardholder come to know that the card is missing.
Note the contact numbers of the bank (like call centre number, your RM number, your branch service number). Make a diary note of your debit card numbers for any time reference.
- Do not hand-over your debit card to anyone, even if they claim to be representatives from your Bank.
Card skimming occurs when devices known as skimmers are used to copy card data. These are placed near the ATM's actual reader or at purchase terminals and used to capture data stored on the card. Such information is used to create a new cloned card, which is then used for purchases. The customer is unaware of any fraud till the transactions occur, as the customer still possesses the original card.
- The card should always be used / swiped with trusted merchants only. If you aren't sure of a merchant's credibility, make cash payments.
- If the debit card is to be cancelled, cut it in four pieces diagonally across the magnetic stripe and discard.
- This will ensure that the cancelled or expired card cannot be misused for counterfeit / skimming.
- Do not use a replacement debit card before the Primary Card is blocked.
- Don't expose the debit card to excessive heat or keep close to a magnetic field.
- Memorize your Personal Identification Number (PIN) and do not reveal it to anyone, not even your banker.
- Never write the PIN down on anything in your wallet or on the debit card itself.
- Consider using a different PIN or Password for different cards.In case someone else knows your PIN or other security information, we will, on your notifying us, take immediate steps to try and prevent these from being misused.
- When selecting a PIN, avoid numbers and letters that relate to your personal information. For example, don't use your initials, birthday and telephone number.
- Please change your ATM PIN once every 3 months.
- Deutsche bank will never ask your debit card & PIN as a collateral while sanctioning the loans.
Identity Scams - Be aware!
Criminals are well informed. Given below the different fraudulent methods practiced to steal money / account related information. Being prepared and knowing what to look for can help keep you from being a victim.
Skimming: Skimmers are devices used by criminals to capture data stored on the magnetic stripe of the ATM card. These devices are placed on or near the ATM’s actual card reader and are often difficult to detect. If anything about the card reader looks different or unusual, or if you see a sign asking you to swipe your card in a second reader, don’t use it. Notify police or your financial institution immediately.
Shoulder Surfing: This scam involves standing near or beside an ATM user in an effort to obtain a user’s personal identification number (PIN). Be aware of your surroundings and shield your PIN from onlookers view.
Fake PIN Pad Overlays: Fraudsters will use fake PIN pads placed over the actual keypad to capture your PIN as it is entered. Inspect the PIN pad on the ATM before you enter your PIN for anything unusual or if it appears to be easily removed. Alert bank personnel and/or police immediately if the PIN pad does not look correct.
Card Theft: Thieves use card trapping devices to obtain ATM cards. Fraudulent devices that may look like part of a card reader can be placed over the original card reader to trap the card for removal after you have left the ATM. If your card is not returned in case of a non dip card* machine after you have completed your transaction, do not re-enter your PIN number. Contact your bank immediately.
Cash Trapping: Criminals place false fronts on the cash presenter or the entire ATM to trap cash that is dispensed or deposited. Inspect the ATM for anything that seems unfamiliar and report any foreign objects found on the ATM to the bank and/or police.
Reporting fraudulent activity to the police and your bank will help deter criminal activity.