Debit Card FAQ
If you receive your debit card and choose a 4-digit PIN number in one of our branches, your card is automatically active.
If you open an account online or receive a replacement debit card by mail, activate your card by completing a balance inquiry at an ATM or conducting a transaction using the PIN number that you received. If you are assigned a PIN number by mail, you may change your assigned PIN at any Athens Federal ATM.
The daily usage limit on transactions is $755 for cash advances and $3,000 on point-of-sale purchases. You may request a temporary card limit increase by contacting your Customer Service Representative at 1-800-526-3572.
Your out-of-town debit card transaction may be denied because our 24-hour fraud monitoring system interpreted unusual or uncharacteristic card activity as potential fraud. When they see a purchase from another state or country, they may decline the card as a way to protect you. Simply follow the appropriate callback instructions to indicate "no fraud" if the transaction is legitimate.
We encourage you to call our deposit operations office at 423-745-1111 and set up a travel notice before your departure – it lets us know you are in control of your card, so you can use it worry-free while you travel.
If your debit card activity becomes unusual for your account, our 24 hr. fraud monitoring service may call, email or text to verify you are actually using card. To protect you and your AFCB account, we monitor your debit card transactions for potentially fraudulent activity, which may include a sudden change in geographic location (your card is unexpectedly used out of state), a rapid string of costly or unusual purchases or a transaction pattern typically associated with fraud.
If we suspect your card has been compromised, we will call you to validate the legitimacy of your transactions. Your response to our call is critical to prevent potential risk and avoid restrictions being placed on your card for your protection. When making plans to travel, please notify the Athens Federal deposit operations office at 423-745-1111 a day or two before leaving, so we may exempt your card from being restricted. Most importantly, to ensure we can continue to reach you when potential fraud is detected, please keep us informed of your current telephone number (including mobile), email and address.
How our Fraud Prevention Monitoring Service works:
- When potential fraud is detected (when transaction activity is outside your normal activity), you will receive an automatic email notification from Athens Federal Community Bank, with the option to reply with "fraud" or "no fraud."
- One minute after the email, you will receive a text alert from 32874 (only between 7 a.m.-9 p.m.), which also has the "fraud" or "no fraud" option.*
- If there is no response from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud (only between 8 a.m.-9 p.m.).*
*The phone number for our Fraud Center is 1-800-417-4592. If you add this number to your phone contacts and label it "AFCB Fraud Center," it will display whenever you get a call from this number. Please note you cannot call this number unless you have received a message from the Fraud Center and an active alert has been placed on your card.
Remember - our messages will never ask for your PIN or account number. The message/call is only intended to confirm or deny potentially fraudulent debit card transactions for your convenience and protection.
If your debit card has been lost or stolen, please call 1-800-526-3572 during banking hours. If you are calling after hours, or during a weekend or holiday, please call 1-866-546-8273. We will work with you to review your account history, close the card and create a replacement card.
If a debit card transaction has been denied and you received a notification from our Fraud Monitoring Service, please follow the callback instructions. If a transaction was denied for any reason other than fraud, call 1-800-526-3572 and speak to a customer service representative.
YES! You can now suspend and reactivate your debit card in seconds to reduce the likelihood of fraud on your AFCB debit card with the card management feature available on the mobile app. Temporarily suspend your card when not in use or if your card is temporarily misplaced, and immediately reactivate it by simply selecting the “Manage Cards” icon in the app. Suspending your card tells Athens Federal that you don’t want us to authorize new purchases, withdrawals or balance transfers until you reactivate your card. If you forget to turn it back on and try to use the card, you will receive an immediate text alert. This will also let you know if someone else is trying to use that suspended card number.
And, if fraudulent activity is suspected, you may also permanently disable your card via the manage cards feature to block any further transactions.
Use the feature anytime you want to temporarily disable your card. For instance, if you misplace your wallet or accidently leave it in the car, at work or at a friend’s house ... or, if you simply aren’t planning to use your debit card for an extended period of time and don’t want to be concerned about your card being used fraudulently by someone else. And, don’t worry; you can reactivate your card anytime in one swipe and within seconds.