Online Banking Login
Enroll Now in Mobile Banking
Learn more about Mobile Banking
View Contact Page for available hours
ROUTING NUMBER 073902436
Consumers typically worry about credit card fraud when making purchases online or conducting ATM transactions, but over the past few years, fraudulent credit card activity has taken the form of gas station scams that use technology to victimize patrons. The key to staying safe is understanding how to protect yourself from identity theft and credit card fraud.
By practicing these security measures before swiping a credit card at the gas pump, you can protect yourself from identify theft and credit card fraud.
What to look for: If a credit card slot looks different from the other card readers at the station, it might be a setup for a credit card skimming fraud.
What to do: Skimming devices are meant to be placed temporarily for a matter of hours or just a day. For that reason, they are attached using only double-sided tape, so thieves can easily remove them. Before sliding a credit card through the machine, tug on the reader to ensure it is securely attached; skimmers will easily pop off with little effort.
Contact the police to file a police report if you find a credit card skimmer; this is a necessary step so that the device can be placed safely in the hands of authorities.
What to look for: Survey the gas pump’s edges — especially the hatch surrounding the credit card unit. If it looks battered, as if someone tried to pry it open, or if the lock itself is broken, it might be compromised. Some gas stations, like Shell stations, apply a tamper-proof seal across the opening of the credit card door. When a door is broken into, the sticker is lifted revealing the words “VOID” on the sticker.
What to do: Before using a gas pump, find out whether the pump has a tamper-evident sticker. If it has one that is placed on the unit correctly — across the opening of the door — and it reads “VOID,” move on to the next pump or station.
You might want to inform the gas attendant if you see a voided sticker — and you should definitely contact the local authorities to report the gas station scams in the area. If enough reports of gas station credit card fraud are forwarded, this might get an investigation started.
What to look for: Again, search for anything on the face of the gas pump that looks different compared to the other pumps. Pinhole cameras are often situated above the keypad area.
What to do: For extra precaution, use two hands when paying for gas at the pump. Use one hand for the transaction, and place the other above the credit card screen to shield the keypad from view of lurking cameras above.
What to look for: Know whether your credit cards have the RFID chip; MasterCard PayPass and Chase Blink credit cards are among those that feature the chip. No contact is needed for the device to scan credit cards — thieves only need to be a few inches away.
What to do: Chase and other banks have already started to phase out this feature. Those who still own a RFID-capable card can do two things to protect themselves:
Be wary of anyone who walks too closely to you at the pump, and remain aware of your surroundings and the electronic devices that might be in others’ hands.
Wrap your RFID cards in aluminum foil. It sounds funny, but it’s proven to be more effective in protecting credit card information than expensive RFID-specific wallets on the market, according to Consumer Reports.
What to Do If Your Credit Card Is Skimmed
It’s always good practice to check your bank or credit card statements to make sure the charges are correct. After filling up your car at a gas station, it’s prudent to check your accounts. If you review your statements or accounts and find that your credit card has indeed been skimmed, call your credit card or bank immediately to let them know about the fraudulent charges and to protect yourself from further criminal activity on that card.
Credit cards and banks have measures set up for credit card fraud detection; consider taking advantage of these tools. For example, you might consider setting up a credit fraud alert on your accounts so you can know immediately of any fraud charges or if your account security is compromised.
Be the first to hear about new products and promotions, learn valuable financial tips and more!
By following this link, you are about to leave the Midwest Heritage website. Click OK to continue or Cancel to remain on midwestheritage.com