Fraud Protection

Identity Theft and Fraud

Identity theft and financial fraud are terms used to describe crimes in which someone wrongfully obtains and uses another person’s personal data or financial information, typically for economic gain.  This year alone, identity theft and fraud relating to electronic payments such as ATM and debit transactions and online purchases will strike millions of Americans.

Many people do not realize how easily criminals can obtain personal data.  For example, in public places criminals may listen in on your conversation or watch you from a nearby location as you punch in an account number or password.  They may gain information about you by stealing unopened mail or sifting through documents that you have thrown away.  In recent years, the Internet has opened the door to a variety of means for criminals to obtain your personal data.

How we protect you

Crossroads Bank takes the security of your financial information as a top priority. We maintain our systems using stringent information security guidelines and use many lines of defense to protect your account information. Your information is always safe and secure.

Crossroads Bank uses a program called Card Sentry along with an upgraded service known as Real Time Denials to protect your debit card purchases.  Card Sentry is designed to proactively manage the risk associated with card fraud. The product detects fraud by scanning transactions and comparing them to industry standard, identified fraud trends. CSI constantly updates these known trends based on new criminal strategies, reported incidences of fraud and best practices from industry peers. Your transactions are monitored 24 hours a day, 7 days a week Early contact with you, the cardholder, will help to prevent losses due to lost/stolen cards, counterfeit cards, data base compromises and other fraudulent activity. There is no cost to you as the bank is paying for this service.

CSI will contact you at the phone number you have on file with the bank to validate any unusual transactions. CSI will confirm that you initiated the transaction. Should the transactions be fraudulent, CSI will block the card to prevent further losses. Neither CSI nor anyone from Crossroads Bank will ever ask for your card number, security code, PIN number or any other personal information.

If you will be traveling out of the country, please contact the bank to inform us the dates and places you will be traveling so we can allow your debit card to be used in those places.  In the event you have lost your debit card or believe your card has been stolen, please contact the bank at 217-342-4422.


Tips to Protect Yourself

  • Do not reply to any unsolicited e-mail, pop-up message or phone call asking for personal and/or financial information
  • Do not click on any e-mail link if you suspect the message is fraudulent, not even to “unsubscribe.”
  • If you initiate an online transaction and are required to provide personal data, look for indicators that the website is secure, like the “https” in the URL or the padlock icon.
  • Do not let your debit card out of your sight when purchasing goods and services.
  • Use anti-virus software, anti-spyware and a firewall, and keep them up to date.
  • Review account statements regularly to verify all transactions.  Immediately report any unauthorized activity to the account provider.
  • Report phishing attacks at once.
  • If you have given out personal or financial information in response to a fraudulent request, report the incident to your account provider(s) as soon as possible.
  • Review your credit report every year. You are entitled to one free credit report each year.  Log on to or call 877-322-8228 to request yours.
  • Shred all personal and/or financial documents before disposing of them.
  • Destroy unused credit, ATM and debit cards.
  • Remove mail promptly from your mailbox.
  • Match receipts to monthly billing statements.
  • Memorize PINS, passwords and Social Security numbers.
  • Use longer, more complex passwords and change them periodically.
  • Sign all credit cards and debit cards immediately.
  • Look closely at ATMs to detect any suspicious activity or phishing scams.

For practical tips from the federal government and the technology industry to help you be on guard against internet fraud, secure your computer, and protect your personal information visit





P.O. Box 740241
Atlanta, GA 30374

P.O. Box 2002
Allen, TX 75013
1 888 397 3742

2 Baldwin Place
P.O. Box 1000
Chester, PA