Tips for Your Protection
Take proactive steps to keep your financial information secure, select from any of the following categories to review our security tips when using your HarborOne Visa Debit Card:
Reduce your risk at ATMs
ATM transactions are quick and easy, but you shouldn’t put your common sense aside as you go about your ATM business or make a purchase in a retail store. Using your Visa Debit Card is a convenient and safe way to get cash. Make sure you do it the smart way:
Be aware of your surroundings and listen to your gut. If the ATM is poorly lit or in a concealed location, or if you’re just not feeling comfortable, use another machine. Avoid counting cash or rummaging through personal items while standing at the ATM location.
Guard your PIN. Memorize it and never write it down. Cover the keypad when you enter your PIN, and if you notice suspicious activity, cancel your transaction. You should also take your receipt with you, as it may contain personal information that could be helpful to identity thieves.
When using a drive-through ATM, lock car doors and roll up other windows. If you walk up to the ATM, don’t leave your car running or unlocked. And never leave Debit or ATM Card in your car’s glove compartment.
When using an indoor ATM that requires your card for access, avoid letting unknown people in with you.
Report lost or stolen cards immediately, and sign your new or replacement card as soon as you receive it.
Find out more about common types of fraud on our Learn the Facts page. If you’ve been the victim of fraud or identity theft, get in touch with Call For Action for assistance.
What to watch for at Retail Stores
No matter how many times you’ve visited the same mall, you should still be careful when shopping at retail locations, so keep these tips in mind the next time you’re at the point of purchase.
Do business with companies whose reputation and integrity are already familiar to you. If you feel pressured into acting before you’re ready to buy, trust your common sense and take your time.
Find out the store’s return and exchange policy before you hand over your HarborOne Visa Debit Card. If you have questions that the sales staff can’t answer, consider holding off until you have all the information you need to make an informed purchase.
Review receipts before you sign them, save customer copies, and check these against your account statements. Notify HarborOne immediately of any errors or suspicious charges.
If you discover that you’ve bought damaged merchandise, contact the company immediately.
Everyone knows the Internet is an amazing resource, but do you know the secrets to protecting your personal information during your web surfing? Stay in charge with these tips for keeping your card, account, and identity secure.
Take proactive steps to keep yourself out of harm’s way while you take advantage of the Internet’s convenience and entertainment.
Make sure your computer has a firewall installed and keep your browser software and anti-virus program updated.
When you’re done using a public computer, log off and shut down the browser program completely. This will prevent the next user from being able to hit the back button and discover your personal information.
Never respond to suspicious emails or click on links inside questionable messages. If an offer sounds too good to be true, it probably is. Get more information about email safetyand learn how to spot fraudulent messages and websites.
Seek out safety symbols, including the padlock icon in your browser’s status bar and “s” after “http” in the URL, or the words “Secure Sockets Layer (SSL).” These are your assurance that only you and the merchant can view your payment data.
Craft strong passwords with more than six characters and try to mix numbers and letters. Use a new password for each site—and keep it to yourself. Never use one-click shopping on a public computer.
Not sure whether an online merchant is trustworthy? Be sure to check it out prior to entering any personal or financial information.
Activate Verified by Visa to add an extra layer of protection during online checkout.
Watch for Spyware
Spyware is software that consumers unknowingly install on their computers. Once installed, it can be used to track online usage and personal information. You can do a number of things to keep spyware off your system.
Keep your computer current with the latest operating system, install updates and patches, and select the highest security setting possible on your browser to prevent unauthorized downloads.
Download only from sites you know and trust; some free applications may be fronts for getting spyware onto your system. Take time to read the fine print too. If you can’t understand the licensing agreement, don’t download the software.
Enable a pop-up blocker on your browser. Don’t click any links inside a pop-up window, as they can install unwanted software. Instead, get rid of pop-ups by clicking the “X” icon on the title bar.
Buy anti-virus and anti-spyware software from a reputable vendor, keep it up-to-date, and use it to do regular scans of your computer.
Before you go
A little bit of preparation on the front end can ensure you don’t hit any bumps when you hit the road.
- Review the Blocked countries listed below to verify your HarborOne Debit card will work in that country
- Check your card to make sure it won’t expire while you’re away.
- Confirm your debit card limit for both Purchases and ATM withdrawals, as well as your account balance so you’ll know how much you’ll be able to charge each day.
- If you plan to use your HarborOne Debit card you can contact Customer Service at 800-244-7592 or log into your online banking account and under "Service Center" tab you can submit your travel plans.
- Make a note of your debit card number, as well as Harbor One’s Customer Service phone numbers, and keep them in a safe place, so you won’t have to scramble in the unlikely event your card is lost or stolen. You should never write down your PIN number, however.
Before you head out
Contact HarborOne and notify us that you plan to be traveling and the location of your trip to avoid having your unfamiliar transactions flagged as suspicious. You can contact Customer Service at 800-244-7592 or log into your online banking account and under "Service Center" tab you can submit your travel plans.
During your trip
- Don’t leave common sense behind when you’re away from home.
- Follow our advice for traveling safely: Avoid leaving cards unattended at work, in a hotel room, recreation areas, or in a locked or unlocked vehicle.
- Take advantage of the safe or security box provided by the hotel for your valuables.
- Save all of your receipts for proof of purchase.
- And, when you get home, carefully check them against your monthly statements.
The growing number of fraudulent ATM & debit transactions has caused us to review locations that pose a higher fraud risk. Access to your HarborOne Accounts through ATM & Debit Card use will not be available in the following countries:
We apologize for any inconvenience this may cause, and suggest that you look into alternatives such as American Express Travel Cards or Travelers Cheques.
Email, Text & Telephone Inquiries
Under no circumstances will HarborOne send E-mails, Voicemails or Text messages requesting information on your Visa Debit Card.
If you receive a message that looks like it came from HarborOne and requests personal information, do not respond to the message. If it is an email please forward the e-mail to firstname.lastname@example.org
along with your name and phone number, and keep the e-mail since we may have questions about it. If your receive a voice mail or a Text message asking you to confirm your account, card or PIN number into an automate service DO NOT ENTER YOUR INFORMATION. Contact HarborOne Customer Service at 800-244-7592 and report the suspicious activity. As a Member, your personal information is secure with us and we want to help you keep your personal information secure from anyone else attempting to use fraudulent methods to obtain it.
View our Fraud & ID Theft Scamspage to get more information regarding security and potential risks.