Alerts &

Online Security

Protection at Your Convenience

At PointBank, we want our customers to have access to their accounts anytime and from anywhere. Whether it’s checking your balances through our online banking system, your mobile device, or making a debit card purchase online or at a local merchant, we’ve got the products and services to cover your needs, including providing you with the security and safeguards necessary to help keep your accounts protected.

We encourage you to frequently and routinely monitor your account and transaction activity by setting up text or email alerts.

Just a couple of the benefits include:

  • Customizable alerts to help you confidently manage your accounts; and
  • Added peace of mind

 

Two-way Fraud Text Alerts

As fraud happens now more than ever, PointBank is pleased to announce we have implemented two-way fraud text alerts.  This is another protective layer of security for your debit card and it’s just another example of why we say, “It’s not banking.  It’s PointBanking!”

If an unusual transaction is detected on your PointBank debit card, we can help you prevent it. A two-way fraud text alert message will be sent to your mobile phone asking you to verify if the transaction is fraudulent. All we ask you to do is promptly text back “Y” or “N.”

“N” if the purchase is not fraudulent.

“Y” if it is. It’s that simple and quick.

If we don’t receive a response, we will call you directly. If we are unable to reach you, we will put a temporary hold on your card—just to be safe—until you contact us.

You don’t have to do anything special to receive this benefit.  All cardholders have already been included in two-way fraud text alerts. (PointBank does not charge for this service; however, standard text and data rates assessed by your mobile carrier may apply.)

Account Alerts

Set up custom alerts, to manage your transfer activity, to notify you when your balance drops below a certain threshold, or as a notification when changes to your address or contact information are made. We have plenty of options from which to choose.

To manage your account alerts, follow these steps in your Online Banking:

  1. Sign into your online banking
  2. Select “Self Service” in the menu bar and then select “Alerts”.
  3. Choose the alert(s) that matter most to you, set your preferences, select “Add”, and, finally, click “Add alert”.

It’s really that simple.

Debit Card Alerts & Controls (requires PointBank mobile app)

Debit Card Alerts allow you to customize the alerts in your mobile app for your selected debit card. You can activate or deactivate card alerts, set card alerts for specific types of merchants, transaction types, and select a threshold amount for your transactions.

Alerts

To receive an alert whenever the selected card is used with specific categories of merchants, such as restaurants and department stores. For example, you can disable the merchant type alerts for groceries and fuel for everyday purchases, but enable alerts for entertainment and travel.

To control which types of transactions can trigger an alert. For example, if you do not often make online purchases, you can enable e-commerce to receive an alert when the selected card is used in an online transaction.

To be notified when the selected card is used in a transaction outside of the registered country.

To set a dollar amount that, if exceeded, will trigger an alert.

Controls

To assign each eligible card to a geographical area. When Point-Of-Sale (POS) transaction is initiated, we compare the merchant’s location with your defined regions. Your device does not have to be physically within a defined region for the transaction to be approved. If a transaction occurs outside of your regions(s), it will be declined.

To control which types of transactions are permitted. For example, if you do not travel internationally often, you can disable international transactions until required.

To restrict your card from being used with specific categories of merchants, such as restaurants and department stores.

To establish the maximum dollar amount for a POS transaction. If a transaction exceeds your defined amount, the transaction is declined.

Zoom in/out on the map area or enter search criteria. Although the visible area on your map is a square, the region is contained within a circle. The areas within the corners of your map are included as part of the region.

Credit Card Alerts

Allows you to monitor your credit card activity with PointBank’s email alerts.

You can receive Credit Card alerts for:

  • Balance Alerts
    • Balance drops below a certain amount
    • Balance exceeds a certain amount
    • Balance is within credit limit
    • Available credit drops below a certain amount
  • Credit Limit is reached or exceeded
  • Payment Reminders
  • Payment Returns
  • Payment declined
  • Transaction types
  • Location restrictions
  • Number of transactions exceed credit limit amount
  • Single transaction exceeds credit limit amount
  • Credit posting to account
  • Payment posting to account

Online Banking Security Reminders

  • Never provide your username or password to anyone.
  • PointBank will never initiate an email, call, other communication to ask for your name, password or other electronic bank credentials.
  • Review your account activity in a timely manner to detect and report problems to the bank promptly.
  • Notify PointBank IMMEDIATELY if you believe your information has been stolen/compromised.
  • For more information about Online Security visit https://consumer.ftc.gov/identity-theft-and-online-security/online-privacy-and-security

For more information about Online Security visit click here.

Phishing is a type of scam where criminals impersonate trusted organizations, like banks, government agencies, or well-known companies, to trick you into revealing personal or financial information.

These attacks often come in the form of:
– Emails
– Text messages (SMS, “smishing”)
– Phone calls (“vishing”)
– Fake websites or pop-ups

Phishing messages often urge you to take quick action, click a link, log in, provide account info, or confirm a charge you didn’t make.

Learn more here.

Spoofing is when a scammer disguises their identity to appear as a trusted source, like your bank, a government agency, or even a contact in your phone. Their goal is to trick you into trusting them so you’ll share personal information or click malicious links.

They can spoof:
– Phone numbers (caller ID spoofing)
– Email addresses
– Text messages
– Websites (URL spoofing)

Spoofing can make fraud attempts look like they’re coming from the bank, even though they’re not.

Learn more here.

Check fraud involves the illegal use of checks to steal money from an individual or business. Fraudsters may forge, alter, steal, or counterfeit checks to trick banks into processing illegitimate transactions.

Even in a digital world, check fraud is still a major threat, especially for seniors, small businesses, and anyone who sends or receives paper checks.

Learn more here.

Elder fraud is a crime that targets older adults, often by exploiting trust, confusion, isolation, or unfamiliarity with technology. Scammers may pose as family members, government officials, tech support, or even bank representatives, all to steal money or personal information.

Learn more here.

In an impersonation scam, fraudsters pretend to be someone you trust, your bank, a government agency, a utility company, or even a family member, to trick you into sending money or giving away personal information.

These scammers use phone calls, texts, emails, and even social media to fool you into thinking the request is real.

Learn more here.

Identity theft happens when someone steals your personal information, like your Social Security number, banking details, or login credentials, and uses it to commit fraud in your name.

Learn more here.

A romance scam happens when a fraudster pretends to build a romantic relationship, usually online, in order to gain your trust and steal your money. Scammers often use dating apps, social media, or even email to target victims. They’ll seem kind, caring, and emotionally invested, but it’s all part of a long con.

Learn more here.