Credit and Debit Card Fraud Prevention

Know what to look for, and how to protect yourself.

Our priority is protecting your financial information.

We follow strict industry guidelines to safeguard the personal and financial information you provide to us. We use advanced technology, including 128-bit encryption, Secure Socket Layer and firewalls to protect your information when you manage your accounts on our website with Online Banking, Bill Pay and Funds Transfer. Get details about other strategies we employ for your Website and Mobile Application Privacy Notice
Act immediately if you have a lost or stolen debit or credit card
  1. If the issue concerns your Apple Bank Visa Debit Card, immediately contact Apple Bank at (914) 902-2775 to cancel your card and request a new one to be sent to you.
  2. If the issue concerns your credit card, contact the credit card company to cancel your card and report it lost or stolen.
  3. Review account transaction details daily to ensure no one used your card.
  4. If you have automatic payments set up, update them with your new card number.
  5. Check your credit report at
  6. Monitor your credit report and bills regularly to identify and correct any fraudulent activity.
How to protect your credit and debit cards
  • Do not leave your cards out in the open for someone to obtain your account number.
  • Never carry PIN numbers in your wallet or write your PIN on the card itself.
  • Never write your PIN number down and leave it out for someone to find.
  • Keep a separate record of your account numbers.
  • Never sign a blank charge slip and always draw a line across any blank spaces to prevent amount alterations.
  • Tear up carbon copies and save receipts to verify against your monthly statement.
  • Shred or cut up old cards.  Be sure you cut through the account number.
  • Review statements and report and correct discrepancies promptly.
  • Carry only the cards you need.
Limit your losses  
To stay up-to-date on common scams and frauds, click here

Report discrepancies on your credit report to the credit bureaus
You can contact the nationwide credit reporting companies online, by phone or by mail, using the information noted below. Be sure to keep copies of dispute forms, letters and other pertinent documentation you use to communicate with the credit bureaus.

Phone: 800-864-2978 or use number provided on credit report.
Mail the dispute form with your letter to:
Equifax Information Services LLC
PO Box 740256
Atlanta, GA 30374

Phone: 888-397-3742 or use number provided on credit report.
Mail to the address provided on your credit report or mail your letter to:
P.O. Box 4000
Allen, TX 75013

Online: Transunion Credit Freeze
Phone: 800-916-8800
Mail the dispute form with your letter to:
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016
More sources for information about fraud and identity theft

Federal Deposit Insurance Corporation (FDIC)

Federal Trade Commission (FTC) on identity theft


Social Security Fraud Reporting

U.S. Postal Inspectors Mail Fraud Information

National Consumers League (runs National Fraud Information Center and Internet Fraud Watch)


Consumer Financial Protection Bureau