Due to a sharp rise in fraudulent debit card transactions, Community Bank & Trust will make the following changes in order to protect your funds:
When you shop at retail merchants, we encourage you to use your debit card as a credit and sign the receipt rather than entering a personal identification number (PIN). When the merchant does not accept this type of transaction, you may use your PIN to complete a debit transaction. Using your debit card as a credit and signing the receipt helps prevent fraudulent transactions on your account as your signature can be verified. When making transactions using your PIN, please be
cautious and protect your PIN entry from bystanders.
When you use your card at a gas pump, choose “credit” as the payment option if given a choice (some pumps default to credit); you may also be asked to enter your billing zip code for verification.
When shopping online, you may only use your CBT debit card if you are enrolled in the Verified by VISA system. Look on the left side of this website for the link to enroll.
You can activate your card for international usage for only the dates you plan to travel by calling Bobbie Kocurek at 615-792-3847 prior to your trip.
There will be no change to the way that your debit card is used at an ATM machine; you will still enter your PIN, whether the transaction is at a CBT or other ATM.
A $10 card replacement fee will be applied for replacements other than at the normal renewal time.
Security Alerts & More
Because we are committed to operating as efficiently and securely as possible for you, we will post notices here about security and other topics of interest to you. As the Internet continues to become the preferred channel for more business and banking transactions, attempts to fraudulently gain access to personal information also increase. We constantly monitor both this site and the internet for any threats and will notify you appropriately should any arise.
Beware of Scams
“Phishing” is one form of fraud that attempts to obtain personal information through the use of emails, websites, and pop-ups. This type of fraud occurs when someone receives an email that appears to have been sent from a legitimate company. The email will request sensitive personal information by telling the user to either supply the information in a pop-up window or by clicking on a web link that sends the user to a counterfeit web site. Once the information is obtained, the data may be unlawfully used to make transactions on the victim’s bank accounts. Community Bank & Trust will not send emails asking for customer information. Any such emails should be reported to Bobbie.Kocurek@cbtcc.comimmediately.
“Spoofing” is another type of fraud that makes use of a bogus website that is created to look like the website of a legitimate company. A link to the bogus site may be sent in an email and, once the victim is on the bogus site, it will request personal information. You should always go directly to our site by typing in www.communitybankandtrustonline.com if you receive an email that looks suspicious.
Fake phone numbers may be used to make fraudulent email or websites appear to be legitimate. An email or website could also contain actual phone numbers of the legitimate company. The idea is that, if the email contains a company phone number, then the email must be legitimate. Look up the phone number in a directory and call to verify it.
If you find an email or website that you believe to be fraudulent, call our Operations Department at (615)792-3119 or email Bobbie.Kocurek@cbtcc.com to report it.
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