POS Customer Guide

To enhance the security of the Point of Sale (POS) experience,
stay focused during transaction

 

·  Be especially cautious if strangers offer to help you complete the transaction, even if you are experiencing difficulty with it, never allowing anyone to distract you while you are at the POS. If the cashier or retail clerk offers to help you by entering your PIN or removing the card from your sight, kindly refuse the offer.

·  Ensure your handbag, wallet and/or possessions are secure if and when you are asked to sign the transaction slip.

·  Be on the look-out for individuals who might be watching you enter your PIN. If necessary, shield your PIN while it is being entered, obstructing potential unauthorized viewing of your PIN as it is entered by raising your hand for cover, or by positioning yourself such that it is difficult for others to see you enter your PIN.

·  Be aware of other customers standing too close to you or trying to observe your transaction. Check that other individuals in the queue keep an acceptable distance from you.

·  If there is a delay, time out, or if the transaction is cancelled or aborted, and a second attempt is made to complete the transaction, make note of the date and location and check your monthly statement to ensure a double debit hasn't occurred. You should only have to enter your PIN once for the transaction. If you notice unusual messages on the terminal screen, or are prompted to enter your PIN a second time, be sure to notify store personnel or the retailer's customer service department before re-entering your PIN.

·  If you requested cash back on the POS transaction, make sure you have received the cash and check the amount on the transaction slip.

·  Never let your card out of your sight during a transaction and watch the merchant, retailer or waiter if they move away to another area to swipe your card.

·  Do not be in a hurry during the transaction, and carefully secure your card and/or cash in your wallet, handbag or pocket before leaving the counter. Don't forget to take your card with you!

 

Protect your PIN, Card and Account

·  Avoid using the terminal if you feel unsafe or if it looks odd, such as having strange labels on it, or if it looks like it has been tampered with.

·  Avoid opening your purse, bag or wallet while in the queue; rather, have your card ready in your hand before you approach the POS.

·  Do not be tricked into providing the three digit security codes that appear on the back of your card to anyone, not even to the bank, cashier or police, except in cases of card transactions on reputable internet websites with companies with whom you feel comfortable performing internet-based payments. These digits help prevent thieves from copying your card.

·  Do not give your card or PIN number to any stranger. Memorize your PIN (if you must write down, do so in a disguised manner and never carry it with your card.) Try not to use obvious and guessable numbers for your PIN like your date of birth. Please remember that financial institutions do not use email, telephone or other means to ask you for your PIN.

·  To change your PIN, call 1-877-219-4344 and follow the prompts. Or, change your PIN at any Advantage ATM by following the instructions at the ATM. Either change takes effect immediately.

·  If you are interfered with at a POS, report this immediately to the bank and/or police.

·  If you lose your card or it is stolen, immediately call your financial institution. If you need to report a lost or stolen Checkcard after business hours, call 1-800-236-2442. Cardholders are not liable for fraudulent Checkcard transactions.

·  Keep your printed transaction record so that you can compare your POS receipts to your monthly statement. It will usually take one to four days for the purchase amount to be deducted from your checking account.