According to a study by the Federal Reserve, the number of debit card payments is increasing more than any other payment type. Even with its increased use, debit cards remain one of the safest financial instruments you can use. The Federal Reserve study also reports that among cards, PIN debit card transactions (including both purchases and ATM withdrawals) have the lowest estimated fraud rate by both number and value*.
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Financial abuse is one of the most reported types of abuse and is often directed at older adults. Perhaps most alarming is that roughly two-thirds of the abusers are family members, often the victim’s spouse, adult children or grandchildren. Research also shows that abusers may be dependent on the victim’s resources, live in the victim’s home and may have additional personal problems, such as substance abuse. Everyone has the right to be safe from physical, emotional or financial abuse, neglect, abandonment, confinement or intimidation.
The Federal Trade Commission wants you to know that counterfeit check scams are on the rise. The scammers use high quality printers and scanners to make the checks look real. Some of the checks contain authentic-looking watermarks. These counterfeit checks are printed with the names and addresses of legitimate financial institutions. Even though the account and routing numbers listed on a counterfeit check may be real, the check still can be fake.
Please review the Fake Check Scams brochure to learn more.
United Bank & Trust Company, Member FDIC
If you use credit and/or debit cards, you might begin to see something different about them in the weeks and months ahead. The difference is in a small, square area on the card that contains an embedded computer chip. The new cards employ microchip technology and go by many names: smart card, chip card, smart-chip card, chip-enabled smart card, chip-and-choice card, EMV and EMV card.
Please review the Smart Cards & Chip Technology brochure to learn more.
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