EMV technology is a global standard for chip card payments. It helps protect against fraud by generating a unique transaction code for each purchase, making it nearly impossible for fraudsters to replicate or steal card information. Learn more about how EMV chip cards enhance security during in-person transactions.

To report a lost or stolen Visa® credit or debit card, or for card inquiries:

1. Call 303-321-4209 or 1-800-858-7212 during business hours.

2. Visit one of our branch locations to have your credit or debit card issued instantly.

3. Contact us via secure messaging through Digital Banking.

4. Call 1-888-241-2510, 24 hours a day.

To protect yourself while using your EMV chip card, always ensure the card is inserted into the terminal securely and avoid letting it out of your sight. Be aware of skimming devices at ATMs or card readers that might try to capture your card details. Chip cards provide significant security benefits, but vigilance is key.

Fraudsters sometimes deposit small amounts of money into a victim's account to test whether it is active before using it for illegal activities. Once the deposit is confirmed, they may try to withdraw larger sums or manipulate the account for fraudulent transactions. If you notice unexpected deposits, contact your bank immediately to report potentially fraudulent activity.

To protect yourself from online scams and identity theft, avoid clicking on suspicious links or downloading attachments from unknown sources. Use strong passwords and enable two-factor authentication for your accounts. Be cautious when sharing personal information and always double-check website URLs to ensure you're on a legitimate site.

Starting a new account can feel overwhelming, especially when it comes to ensuring your information is secure. Below are helpful resources and forms.

Direct Deposit: This form allows you to set up direct deposit for your paycheck or other payments, ensuring that funds are automatically deposited into your account, saving you time and ensuring prompt access to your money.

Account Number Change Form: If you need to change the account number associated with your account (for reasons such as fraud prevention), this form may be provided to the accounts associated to your automatic withdrawals.

ACH Stop Payment Request: Use this form to request a stop payment on an ACH (Automated Clearing House) transaction, such as a recurring bill or direct debit. This can be useful if you need to block a payment that was mistakenly processed or if there are unauthorized transactions.

Dispute Transactions: If you notice an incorrect or unauthorized charge on your account, this resource will guide you to formally dispute the transaction and begin the investigation process to resolve any issues.

If you’ve experienced fraud or are concerned about identity theft, taking steps to freeze your credit can help protect your financial future. Freezing your credit can prevent unauthorized access to your credit file and reduce the risk of fraud and identity theft.

• Equifax

• Experian

• TransUnion

Keep track of your freeze PIN or password, consider setting up credit monitoring to track any suspicious activity, and know how to unfreeze your credit temporarily when applying for loans or credit.