To combat Debit Card Fraud, your ATM and debit card transactions are watched over – day and night – with a high-tech, high-touch monitoring solution that protects your accounts using state-of-the-art intelligence technology and skilled fraud experts. If suspicious transactions are detected, a fraud specialist will attempt to contact you right away. Your card will be disabled immediately if fraud is confirmed, and if you aren't available, your card will be assigned a special "watch" status until we know all is well. This service is free to our customers.
However, occasionally it is necessary to block signature based (credit) debit card transactions in other states, foreign countries, and at various merchant locations where fraudulent activity is prevalent. We take these preventive actions very seriously in order to protect account holder's funds. We apologize for any inconvenience this may cause, but assure you that this action is taken to protect you and your account. If you experience difficulty using your card for a signature based transaction, please try to use the PIN based debit option using the keypad and entering your PIN number.
If you are planning to travel and anticipate using your debit card, please let us know. We will try to limit any interruption to your debit card service. It is important you have an alternative method of payment when you travel (credit card) for emergency situations and that contact information is up to date and on file at the bank so that we may contact you when necessary.
To protect yourself, it is important that you manage all of your bank accounts on a regular basis including a review of your account activity for unusual transactions. Please notify us immediately if you suspect any fraudulent activity. During normal business hours: (701) 852-3711 or 1-800-688-2584. For after-hours reporting: 1-866-546-8273.
All states except; ND, MN, SD and MT have been blocked for certain signature based transactions.