Safety, Security & Fraud

Fighting Fraud

Here are Some Tips for Fighting Fraud

  • Notify the bank IMMEDIATELY if your card is lost or you see fraudulent transactions, do not wait to call us.
    • Report Lost/Stolen or fraudulent transactions on a HCBT Credit Card:
    • To Report Lost/Stolen or fraudulent transactions on a HCBT Debit Card:
    • Have the HCBT mobile app?  Temporarily block your debit cards under the Manage My Cards tab by swiping to the correct card and then toggling to activate the block card option.  Find your card- just untoggle the block card tab and your debit card is ready to go! 
  • Notify us when you are traveling out of the area on vacation or work, and when you will be returning.
    • Contact us of the dates you will be traveling
      866-960-2498 or 317-852-2268 or Contact Us
  • Always keep your credit or debit card in a safe and secure place
  • Securely dispose of old cards and the paperwork that come with new cards
  • Examine the front of ATMs, gas pumps and card machines for unusual attachments disguised as part of the machines

If anything looks out of place, do not use it. Please call the financial institution or let merchant employees know, so law enforcement can be contacted

Treat Unsolicited Offers with Suspicion

If you receive a request or offer via e-mail, pop-up message or by phone that requires you to provide or confirm personal information, call the business using a phone number other than the one given to confirm the legitimacy of the request or offer. If the inquiry seemingly originates from a known and trusted entity, use the number on the back of your card or on your monthly statement. Remember, if it seems too good to be true- it probably is.

Make Payment Electronically when Possible

Electronic payments reduce the amount of paper floating around with personal information on it, and using our online bill paying service can help.

Shop Carefully Online

If you initiate an online transaction and must provide personal data, look for indicators that the site is secure like ”https” in the Web address or the closed padlock icon in the bottom frame of your browser. Avoid sites without these indicators. It is also wise to conduct financial transactions only on wired Internet connections- wireless connections can be more vulnerable to attack.

Use Updated Anti-Virus Software, Anti-Spyware & a Firewall

Some phishing and pharming attacks contain software that can harm your computer or track your activities on the Internet without your knowledge.

Review Account Statements Regularly

Verify all transactions by matching receipts to checking, savings, and credit card account statements. Frequently reviewing activity online helps identify unauthorized activity between monthly statements. Download the HCBT CardValet app to sign up for alerts.

Review your Credit Report Every Year

You are entitled to one free credit report each year. You may also obtain a free report, log on to or call 1-877-322-8228.

Protect Your Purse or Wallet

One of the leading causes of identity theft is lost or stolen belongings containing personal information. Minimize the number of items you carry that contain personal information, such as your Social Security card.

Additional Steps

  • Shred all personal & financial documents before disposing of them
  • Destroy unused debit, ATM and credit cards
  • Remove mail promptly from your mailbox
  • Memorize PINs, Passwords & Social Security Numbers– do not carry them with you!
  • Use longer, more complex PINs and change them often
  • Sign all debit and credit cards immediately
  • Never use your PIN as a password

Never disclose your PIN or account password to any individual for any reason

Contact Your HCBT Banker with Any Questions

Click here for Contact Information


Fraud Information


Find a
surcharge-free ATM

Allpoint Logo

HCBT is part of the Allpoint ATM Network. No fees, no hassle just like at a HCBT ATM.

Go to Top