Card Safety While Shopping (or Exploring)


At Family Trust, we do everything we can to protect you and your data – and fraud continues to be at an all-time high. Here are steps you can take to keep yourself safe:

Use online and mobile banking. Studies show that people who use online banking monitor accounts more frequently and losses are less significant. Our encryption technology and personal password protection ensure that your account information is secure.
With our mobile app, you can check balances, make Family Trust loan payments, transfer money between accounts, pay bills, set up text alerts, view checks and more.

Use card controls. Card controls allows you to disable your credit card and turn it on with the swipe of a button on mobile banking. Use it to immediately disable a lost or stolen card or just for safety’s sake when you’re not using it.

To have cards permanently blocked and reissued, contact us during working hours, contact Visa after hours and on weekends at 1-800-682-6075 or report it.

Call before you travel (especially internationally). For your protection, your card could be declined when it’s used in places that don’t reflect your usual activity. This includes making hotel and flight accommodations. Complete this form before you travel and we’ll make sure you have access to your card.

Try using your PIN. When we see fraudulent activity at a merchant or chain, we often add other security options. If a signature transaction does not go through, we suggest using your PIN instead.

If you don’t remember your PIN, you can use our secure chat:, call 803-367-4100 or visit a branch to request a PIN reset.

Use credit instead of debit. Family Trust credit cards now contain the EMV chip. The technology is considered more secure because the chip creates unique information each time it is used. If someone obtains point-of-sale information concerning your card, it is more difficult to duplicate.

EMV credit cards have been issued to all members and Debit cards with EMV will be issued early this year.

Remember that with Visa’s Zero Liability policy, you are not held liable for unauthorized purchases made using your Visa card, whether the transaction occurs online or in person. The policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Details.

Keep up-to-date on issues. Visit our security page for timely information.