Steps taken to protect during Target breach

Family Trust is in the process of reissuing credit and debit cards to members impacted by the Target breach. New debit cards will come with a new personal identification number (PIN). Members involved will be notified by mail.

The card breach reportedly affects 40 million credit and debit cards used throughout the nation Nov. 27 through Dec. 15. The breach involves in-store purchases only. Target reports it has identified and resolved the issue.

Members who sign for purchases are not held liable for unauthorized purchases thanks to its Visa’s Zero Liability policy. The policy covers U.S.-issued cards only and does not apply to ATM transactions or PIN transactions not processed by Visa.

Members are encouraged to review monthly statements for suspicious activity. Members who use MyBranch Online Banking can check accounts more frequently.

Family Trust is devoted to protecting member information and we remain committed to the security of our systems. We will keep members updated as we learn more about the breach. In the meantime, we’re pleased to share this Q&A provided by Visa, or you can visit Target’s website to learn more. Thank you for your patience.

I recently noticed fraud on my account. Is this fraud related to the recent incident?

A: At this time, it is unclear whether this fraud is related to the recent incident. It is important to know that regardless of where the fraud occurred, you are protected by Visa’s Zero Liability policy.

Is it safe to shop at Target?

A: Consumers should feel safe using their cards anywhere Visa is accepted.

What are the chances that I become a victim of identity theft as a result of this incident?

A: It is Visa understands that there wasn’t any personally identifying information stolen such as social security numbers, so Visa believes the risk of identity theft is minimal. The company advises members to regularly check their credit report for incorrect information. You are entitled to one free copy every year at or by calling 1 (877) 322–8228.

If I become a victim of identity theft, how will Visa help to restore my good name?

A: In the unlikely event you become a victim of identity theft, Visa works with the consumer network group, Call for Action, to provide consumers with a toll-free telephone hotline to assist identity theft victims. By calling 1(866) ID-Hotline, victims can receive free and confidential assistance from trained counselors.

What can I do to ensure this doesn’t happen to me again?

A: You can:

  • Shop with merchants you know. If a deal seems too good to be true, it probably is.

  • Check your account statement promptly and immediately call Family Trust at 803-367-4100 if you become aware of any unauthorized use on your card.

  • Don’t use your card as collateral or give out your card number to someone calling on the phone, unless you initiated the call for a purchase.

  • Check your credit report at least once a year.

  • Register your card with Verified by Visa and shop online with merchants that participate in the Verified by Visa service. This provides additional protection against unauthorized use of your card online.

What should I do if I experience fraud on my account?

A: Please monitor your account – both your monthly statement and online – and let Visa or Family Trust knows immediately if you see unauthorized purchases.

What else can I do?

A: You can:

  • Shred all personal and financial information such as bills, bank statements, ATM receipts, and credit card offers before you throw it away.

  • Keep your personal documentation (e.g., birth certificate, Social Security card, etc.) and your bank and credit card records in a secure place.

  • Call the post office immediately if you are not receiving your mail. To get the personal information needed to use your identity, a thief can forge your signature and have your mail forwarded.

  • Be aware of your surroundings when entering your Personal Identification Number (PIN) at an ATM.

  • Limit the number of credit cards and other personal information that you carry in your wallet or purse.

  • Report lost or stolen credit cards immediately.

  • Cancel all inactive credit card accounts. Even when not being used, these accounts appear on your credit report, which is accessible to thieves. If you have applied for a credit card and have not received the card in a timely manner, immediately notify the appropriate financial institution.

  • Closely monitor the expiration dates on your credit cards. Contact the credit issuer if the replacement card is not received prior to your credit card’s expiration date.

  • Sign all new credit cards upon receipt.

  • Review credit reports annually.

  • Use passwords on credit cards, bank accounts, and phone cards. Avoid using obvious passwords – such as your mother’s maiden name, your birth date, and the last four digits of your Social Security or phone number.

  • Match credit card receipts against monthly bills to make sure there are no unauthorized charges.


  • Volunteer any personal information when you use your credit card.

  • Give your Social Security number, credit card number, or any bank account details over the phone unless you have initiated the call and know the business you are dealing with is reputable.

  • Leave receipts at ATMs, bank counters, or unattended gasoline pumps.

  • Mail credit card payments or checks in your home mailbox for postal carrier pickup.

  • Record your Social Security number or passwords on paper and store them in your wallet or purse. Memorize your numbers and/or passwords.

  • Disclose bank account numbers, credit card account numbers, and other personal financial data on any web site or online service, unless you receive a secured authentication key from your provider.