ATM & Card Security
- EMV Chip Cards
- Cardholder Protection - smsGuardian®
- Protecting your Hawthorn Card
- Tips for Any Cards, ATMs or Point-of-Sale (POS) devices
Hawthorn Bank will not contact you requesting your debit card number, PIN or any Online Banking access information. If this information is requested from you please report it to Hawthorn Bank immediately at 1-877-442-9846.
What are EMV chip cards?
EMV stands for Europay, MasterCard and Visa. The chip contains your card number, name and other account information. There is no other personal information stored on the chip. Due to security in the chip, every transaction you make is unique, which makes it extremely difficult for the card to be copied or counterfeited. Your chip card will also have the usual magnetic stripe on the back so that you can continue using your card while merchants are transitioning to new chip card terminals.
Will I still have a PIN number for my card?
Yes. You will continue to have a PIN number to use with transactions.
What are the benefits of chip technology?
The embedded microchip provides dynamic transaction security features and other capabilities not possible with traditional magnetic stripe cards. A chip card is extremely difficult to counterfeit.
Why is my card being upgraded to a chip card?
Chip technology is already used in other countries and now coming to the U.S. Your new chip card provides an extra level of security and is easier to use at international locations.
How is this card different from a magnetic stripe card?
A chip card looks just like a traditional card with an embedded chip in addition to the standard magnetic stripe on the back of the card. Rather than swiping your card, you will insert your chip card into the card terminal to complete the transaction.
How does chip technology work?
Every transaction with a chip card has unique data in it. Chip transactions are dynamic, not static like magnetic stripe cards. That is why if someone were able to intercept one of your chip transactions, they would not be able to use that information again. This stops fraudsters from being able to create counterfeit chip cards.
Are chip cards new?
Although chip cards are relatively new in the U.S., they have been used elsewhere for many years. In some countries, particularly in Europe, merchants may be more familiar with accepting chip cards.
Where can I use my chip card?
Use your chip card at the exact same merchants you do now - by inserting the card into card terminals that are chip enabled or swiping your card at merchant locations that have not yet switched to chip-enabled card terminals. You can also continue to use your card as you did before for online payments, telephone payments and at ATMs.
Will my Hawthorn debit or credit card have contactless capabilities?
No. At this time, it will not have contactless capability.
Who will receive a Hawthorn debit or credit chip card replacement?
All Hawthorn debit and credit cardholders will receive chip card replacements, to provide our cardholders the added security this technology has to offer.
Hawthorn Bank is always looking for the best possible protections for our customers and their money. This is a service that will alert you to transactions being conducted using your Hawthorn Bank MasterCard® debit card(s). These alerts are based on rules created by the Bank for your protection. These alerts are provided by smsGuardian®.
Features and Benefits
For the Cardholder
- One-year enrollment period
- Two-way text communication
- Can enroll up to ten devices per web account
- Do-Not-Disturb window capability
- All major phone carriers supported
Enroll today by logging in to your online banking and clicking on the Card Alerts tab.
How do cardholders sign up for Mobile Card Alerts (smsGuardian®)?
Log in to your online banking and click the Card Alerts tab.
Are there security features in place to protect cardholder information?
Yes, we do not provide full cardholder information in any of the communications, and we will not ask for your PIN. Only the last 4-digits of the card number will be provided.
What happens if the cardholder doesn't reply to a text?
Nothing, if no confirmed fraud response is received from a cardholder in 12 hours, the text message times out. If the cardholder does not respond to non-fraud texts, it will be considered a good transaction.
Can a cardholder receive a text alert and a call from a Risk Management/Fraud Center Analyst?
Yes, because these are two different products and it is possible for a cardholder to receive a text message and a call. The call may come from Fraud Center analyst. Fraud Center analysts will also have the ability to know when a cardholder has received a text alert on a transaction. Analysts will work the fraud case as a result of the text and hard block the card. An analyst that works the case will be able to review the card and see that the card has been blocked due to fraud and work accordingly.
Will the text appear to be from smsGuardian® or Hawthorn Bank?
The text will reference HWBK followed by Guardian alert.
If a cardholder responds with the "NO" code to a text, how long will it take to block?
The text response is placed in the highest priority to the Risk Management/Fraud Department. The next available analyst will hard block the card. The analyst will go through the appropriate channels to begin working the case.
Do cardholders receive renewal notifications?
Yes, a renewal notification will be sent to the device (i.e. cell phone) six days prior to the expiration. Three renewal text message attempts will be made before the device is set to expire. If the cardholder does not respond, the device will be removed from smsGuardian upon expiration. If a cardholder renews the device multiple times, it will extend an additional year for each extra click. So if a cardholder wants to renew for 5 years, the cardholder will click the renewal button 5 times.
Are cardholders charged when a cardholder renews their enrollment?
No, Hawthorn Bank is assuming this cost for first time enrollments, editing devices or preferences, and re-enrolling in the service.
If a cardholder has his or her do-not-disturb window setup and an alert occurs, does smsGuardian send a text when the do-not-disturb window is off?
Yes, a message will be sent once the do-not-disturb window is off. If a cardholder has the do-not-disturb set from 11:00 pm to 6:00 am and one or more alerts are created during this time frame, the alert messages will be sent to the cardholder starting at 6:00 am, when the cardholder is accepting text alerts.
Can I transfer funds or view my balance using smsGuardian®?
No, smsGuardian® is used to alert cardholders about their cardholder activity and possible fraud. Hawthorn Bank's mobile banking product offers this service.
All alert messages will contain the:
- HWBK (representing Hawthorn Bank)
- The last 4-digits of the card number
- The merchant name or ATM location
- Most transactions will provide the transaction number
- All will provide an alphanumeric code that the cardholder will text if the transaction is fraudulent
If a single transaction sets off multiple rules in smsGuardian®, the first rule triggered will be sent to the cardholder as a text alert. We do not send multiple text messages on the same transaction.
We respect the cardholder's wish not to be bothered, so we will store all alerts until the "Do Not Disturb" window is closed, at which point we will send all earlier alerts. This will allow the cardholder the ability to review the transaction and respond/ignore accordingly. Since the alerts time out after 12 hours, the "Do Not Disturb" window cannot exceed 12 hours.
Other messages sent by the smsGuardian® service include reminder messages to the cardholder for subscription expiration; Help messages sent to devices when an inbound HELP request is sent; STOP (OPT-OUT) confirmation message when the cardholder texts that he/she wishes to opt out of the service.
- Be CAUTIOUS about giving any card information over the phone; Hawthorn will NEVER ask for your full card number, CVV (3-digit code on back), account number or PIN.
- Always protect your card and keep it in a safe place.
- Minimize the number of cards you use and carry.
- Do not leave your card lying around the house or on your desk at work.
- Report a lost or stolen DEBIT card immediately to Hawthorn Bank either via your online banking options, mobile banking or call 1-866-546-8273.
- Report a lost or stolen CREDIT card immediately to Hawthorn Bank or call 1-866-604-0381.
- Contact the bank immediately if you detect any suspicious or unauthorized activity on your statement or online banking.
- Sign up to receive mobile card alerts to notify you of suspicious activity on your card.
- Enroll in credit and fraud monitoring services to alert you of attempts to alter or acquire new accounts.
- Never toss receipts into a public trash container. Always shred them at home.
- Each month carefully review your financial statements and bank statements for unauthorized transactions.
- Report any unauthorized transactions to the issuing bank immediately.
- Never allow anyone to enter your PIN for you, even if they are helping you with the transaction.
- Block the view of others when using your PIN.
- Make sure you complete the transaction and review the receipt before leaving.
- If you receive cash back from a transaction, always secure it before leaving the area.
- If anyone appears to be following you after using an ATM or POS device, drive immediately to a well lit, crowded area and call the police.
- Observe the area of an ATM location or POS device before rolling down your window or getting out of your vehicle.
- Always leave plenty of room between vehicles at a drive-up ATM to allow for a quick exit should it become necessary.