FraudWatch PLUS

Fraud can hit anytime… but you’re protected.

You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of card fraud. That’s because the cards we issue are protected by FraudWatch PLUS.

With FraudWatch PLUS:

  • Trained analysts watch for suspicious transaction activity on your behalf, 24 x 7, 365 days a year.
  • You will be contacted immediately by an experienced fraud analyst to verify the authenticity of your card transactions, if warranted.

So if you ever get a call from “Fraud Prevention Services”, know that our people are doing their job and preventing potential misuse of your card.

Fraud is serious business, and can hit anytime. That is why we are working to detect and prevent fraud from happening to you.

FAQ

  • Fraud is unauthorized use of a card or identity by a third party.
  • Obtaining services, merchandise, credit, or funds through misrepresentation of identity or information.
Disputed transactions, Authorized misuse, Family disagreements, Charge error, or Inability to pay.
FraudWatch PLUS is a 24/7 fraud management service that will help us better detect and prevent debit card fraud through industry leading technology, tools and the expertise. FraudWatch PLUS utilizes experienced fraud analysts to detect any suspicious card activity and fraud patterns. If potential fraud or high-risk activity is detected on any NASB cardholder transaction:

  • A representative from Fraud Prevention Services will call you immediately on behalf of NASB to verify recent activity on your account. The representative will only attempt to contact the cardholder directly between 8:00 a.m. and 9:00 p.m. Central Standard Time.
As a partner with NASB, Fraud Prevention Services employs a sophisticated risk model that identifies known fraud patterns. When they receive a high-risk card alert on any FraudWatch PLUS cardholder transaction they will take the appropriate steps as outlined below.

  • Potential Fraud Alerted – FraudWatch PLUS generates an alert, suggesting potential fraud. Fraud Prevention Services reviews the transaction(s).
  • Fraud Verified – If the transaction appears to be fraud, an analyst attempts to contact the cardholder directly between 8:00 a.m. and 9:00 p.m. Central Standard Time. If the cardholder is not reached, an email is sent to NASB. Please Note: Fraud Prevention Services WILL NOT leave a message if you miss their call and your name is not included in your voicemail.
  • Fraud Acted Upon – The confirmed fraud is handled, with possible actions including card blocking and reissue, and chargebacks are initiated.
  • NASB Notified of Fraud Actions
  • Round-the-clock protection against the increasingly savvy perpetrators of fraud
  • Experienced & trained analysts that watch for suspicious activity on your behalf
  • Immediate notification when fraud is ever suspected – If you receive a call from “Fraud Prevention Services” on behalf of NASB, know that they are preventing potential fraudulent use of your card by verifying the authenticity of your transactions
  • If the cardholder is NOT reached, Fraud Prevention Services WILL NOT leave a message if you miss their call and your name is not included in your voicemail.
  • The ability to use your card may be interrupted if Fraud Prevention Services cannot reach you to validate authenticity of your transactions.
  • If potential fraud is detected, your debit card may be temporarily deactivated. Your card will remain deactivated until Fraud Prevention Services is able to get in touch with you.
  • Potentially high-risk transactions may be declined at the point of authorization.
Fraud Prevention Services will call when fraudulent activity may be suspected on your account:

  • Patterns of activity outside the norm for a cardholder
  • High-risk transactions
  • Combinations of activity that mirror known fraud patterns
If a transaction appears to be fraud, an analyst from Fraud Prevention Services will contact the cardholder directly on behalf of NASB to verify recent activity on the account. Contact is between 8:00am and 9:00pm Central Standard Time. If a cardholder cannot be reached, NASB will be contacted via email.
The representative calling will state their name and mention they are with Fraud Prevention Services, calling on behalf of NASB. They will indicate the call is regarding your Visa debit/ATM card and that they want to verify recent activity on your account.

Whether asking for information or questioning whether information is correct, you will never be asked to give enough information to compromise your account.
If fraud is suspected and the cardholder cannot be reached to verify the transaction, or due to incorrect contact information, your card may be temporarily deactivated. The card will remain deactivated until the cardholder verifies the transaction with Fraud Prevention Services. Please Note: Fraud Prevention Services WILL NOT leave a message if you miss their call and your name is not included in your voicemail.
If you think you miss a call from Fraud Prevention Services, please call 866-842-5208 as soon as possible to validate authenticity of your card transactions. Please Note: Fraud Prevention Services WILL NOT leave a message if you miss their call and your name is not included in your voicemail.
You may need to contact Fraud Prevention Services if you think you miss a call or receive a message from a fraud analyst regarding the authenticity of your card transactions, or if you have questions regarding the status of your card.

To call toll free, dial 866-842-5208. If you will be calling from out of the country, the collect number is 701-461-2551
Accurate and up-to-date contact information is critical for your protection. Fraud Prevention Services uses the information NASB has on file to contact you to validate the authenticity of your transactions. Please update your contact information by visiting your local branch, or through Online Banking by following the steps below:

  1. Sign in to Online Banking as usual from nasb.com
  2. Click the Profile icon in the upper right corner
  3. Select Change Address and Phone Number to update your phone preferences.
  4. To update your email address, please select Change Email Address
  5. Click Update to submit your changes