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Visa Data Breaches

 Visa Data Breaches

What is a Visa Check Card data breach?
A Visa® Check Card data breach occurs when there is an illegal data intrusion into the computer network of a Visa payment system that processes PlainsCapital Bank card payments. When this occurs, PlainsCapital Bank receives notification from Visa that the data breach may have resulted in the theft of some of our customers' check card numbers. These intrusions affect merchants throughout the United States who use affected payment processors.
 
How does a data breach impact me?
When a data breach occurs, some PlainsCapital Bank customers may be affected. We take security breaches very seriously and act diligently to protect you. We work with Visa and other agencies to investigate the breach, and we closely monitor any affected cards for suspicious activity. If suspicious activity is detected on a breached card, we will contact the affected customer and encourage them to replace their card immediately.
 
How does PlainsCapital protect me if a breach occurs?
We have sophisticated fraud detection software that monitors every card transaction, 24-hours-a-day, seven-days-a-week. If suspicious activity is detected on your card, we will contact you right away. You will be encouraged to replace your card immediately to prevent fraud. You are also protected by Visa's Zero Liability protection policy should you have fraud on your account.
 
What information is compromised in a data breach?
A security breach of this nature applies to card information only — no personal information linked to card numbers, such as Social Security numbers, PINs, or account numbers, is disclosed.
 
Why do data breaches happen?
Information that gets compromised can be picked up many different ways with today's modern technology. It is important to remember that you are protected by Visa's Zero Liability protection policy should you have fraud on your account.
 
Are there other ways my information can be fraudulently obtained?
Unfortunately, there are many ways information can be fraudulently obtained. Dumpster diving, mail theft, direct access to personal documents in your home, stolen wallets or purses, online data theft, and impostors are just some of the ways that people obtain confidential information.
 
Keep in mind that your cards should be safeguarded at all times. Here are some things that you can do to protect yourself:
 
  • Review bank statements for accuracy
  • Never share your personal identification number (PIN)
  • Be suspicious of anyone who calls or emails you seeking personal information
  • When you need to provide a Social Security number or other confidential information, ALWAYS know who you are providing this information to and why it is being requested
  • Make sure that you are conducting business with legitimate businesses
  • Tear up or shred confidential information before discarding

If a breach occurs, will my Visa Check Card be re-issued?
We do not automatically re-issue check cards to impacted customers due to the sophisticated fraud detection tools we have in place. However, if you are ever affected by a breach, you can request a free replacement card by calling PlainsCapital Bank Customer Service at 866-762-8392.
 
How do I know if my check card was breached?
To find out if your card information was affected by a Visa data breach, please call PlainsCapital Bank Customer Service at 866-762-8392.
 
Am I responsible for fraudulent activity on my card?
You will not be responsible for any unauthorized transactions on your check card accounts. In the case of a breach, we have sophisticated fraud detection software that monitors every card transaction, 24-hours-a-day, seven-days-a-week. If there is any suspicious activity on your account, we will notify you and you can request a free replacement card immediately. It is important to remember that the Visa Zero Liability fraud protection will cover you if you have any unauthorized use of your card. If you have concerns about your card, please call us at 866-762-8392.
 
What if I suspect check card fraud?
If you suspect any fraudulent activity on your Visa Check Card, you should immediately call PlainsCapital Bank Customer Service at 866-762-8392. You may cancel your card and request a replacement card. After normal business hours, your call will be transferred directly to Visa so that you may cancel your card.
 
How can I find out more information?
If you have any questions about a Visa Check Card data breach, contact PlainsCapital Bank Customer Service at 866-762-8392.