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Debit Card Data Breaches

Debit Card Data Breaches


What is a Debit Card Data Breach?
A debit card data breach occurs when there is an illegal data intrusion into the computer network of a payment system for debit or credit cards. When this occurs, City National Bank should receive notification from the payment processing network (Visa or MasterCard) that the breach may have resulted in the theft of some of our customers’ card information. These intrusions may occur with merchants throughout the country who use payment processors.

Debit Card Data Breaches


How Does a Data Breach Impact Me?
When a data breach occurs, some City National Bank customers may be affected. We take security breaches very seriously and act diligently to protect you. We work with the payment processing network and other agencies to investigate the breach and closely monitor any affected cards for suspicious activity. We attempt to contact you by phone to explain our potential concerns and normally cancel the card and reissue a replacement card. This replacement can typically occur on the same day as the card is cancelled. We always encourage you to replace the card immediately.

Debit Card Data Breaches


How Does City National Bank Protect Me if a Breach Occurs?
We have very sophisticated fraud detection software that monitors every card transaction. If suspicious activity is detected on your card, we will contact you right away. We will make arrangements to replace your card immediately to prevent fraud. You have numerous other protections from liability should you have fraud on your account as provided by law and the Bank’s policies.

Debit Card Data Breaches


Am I Responsible for Fraudulent Activity on My Card?
In the case of a breach, you will not be responsible for unauthorized transactions on your debit card accounts. If you ever have concerns about your card or any charges that appear, you are required to contact us immediately at 325-728-5221.