Using Your Debit Card Online


With the large amount of debit card fraud occurring lately, we have compiled the following information to help you prevent debit card fraud and assist if your account is compromised.

Tips to reduce your risk for debit card fraud:

  1. Keep your PIN secret. Never write it down, and never tell anyone what it is.
  2. Try to never let your card out of your sight.
  3. Be aware of your surroundings.
  4. Do not use your debit card for online purchases. Because your debit card is linked to your personal checking account you are opening up your full account balance to potentially be stolen. Debit cards do not have the same protection as Credit cards. Always use a Credit Card for these types of purchases.

Because of fraud, and the potential for your card to be blocked, always be sure to have multiple payment types available to you, whether it’s another debit card, a credit card or cash.

To Report a Lost or Stolen card during business hours please call (518) 891-1666. After business hours or on the weekends please call (800) 472-5272.