What Do I Do If I Have a Fraudulent Charge on My First Premier Bank Card?

First Premier Bank offers customers a number of banking services including a bank card that can be used in lieu of cash. However, it's important to keep an eye on your bank statement to make sure you're not the victim of identity theft or fraudulent charges. Today, it's easy for criminals to wipe out a bank account or max out a credit card in seconds when the account has been compromised. If you want to find more about how to report fraudulent activity on your First Premier bank card, you can contact customer service here. You can also read below how to make your report.

Noticing Fraud

The first step is noticing a fraudulent charge has actually happened. Keeping track of your spending and reconciling your account on a regular basis will assist you in recognizing a fraudulent charge. You can routinely check your account through the bank's online and mobile banking tools, requesting e-statements sent directly to your email, and utilizing its free bill-pay services. When you notice a fraudulent charge, contact customer service to report the activity.

Taking the Next Step

When you notice fraudulent activity on your First Premier bank card, contact the bank immediately to report the account has been compromised. Provide customer service with the date and time of the suspicious transaction, the location where the transaction was made, and the total amount of the fraudulent charge. When looking over your bank statements, look for small charges (sometimes even under one dollar) that could have likely been "test" charges to make sure the card number was valid. Once you report your card as compromised, the bank can freeze the card to prevent further transactions and issue you a new card. First Premier will enter the information provided and start the process of returning your money to your account.

How To Protect Yourself in the Future

Once you have your new First Premier bank card, you can take steps to protect your new bank card from future criminal activity. Here are some steps that may protect your account:

1. Keep all documents with bank account information in a secure place such as a locked cabinet or an encrypted folder on your computer.
2. Shred any documents you don't need to hold onto.
3. Don't give out information via phone or email if you are contacted by someone asking for it. Instead, contact First Premier of the suspicious contact so they can look for potential issues with your account.
4. Check your credit report regularly. You can get a free credit report from each of the three major reporting agencies each year. It's a good idea to spread these out instead of getting all three at one time. This way you can compare to see if any of the information doesn't match up.
5. Keep your antivirus software updated on your computer or phone.
6. Be diligent when it comes to protecting your personally identifying information (PII).

When it comes to fraudulent activity on your First Premier bank card, you can report it by contacting customer service here. Take a proactive approach to handling your PII and account. Report suspicious activity as soon as you notice it and keep criminals from taking your hard-earned money.