Ways We Combat Fraud Together
Protecting your money and your identity is something we take seriously, and it works best when we do it together. Your accounts include built-in protections like SecurLOCKTM card controls, EMV chip and contactless cards, mobile wallet security, secure eStatements, and free annual credit reports. You can add another layer by turning on account alerts in online banking. As a debit card holder, Mastercard® provides services like Secure Remote Commerce and Enhanced ID Theft Protection as well.
If at any time you think your confidential information has been compromised, please contact us at 800.711.BANK (2265). You can also follow the FTC's Guide for understanding what to do depending on what information the fraudster has.
SecurLOCK™ Equip
An app that lets you control how, when and where your debit card is used with just a swipe.
Contactless Cards
Your First Commonwealth Mastercard® debit card comes complete with the latest in contactless chip technology.
ApplePay™, Samsung Pay™ and Android Pay™
By loading your debit or credit cards into your mobile wallet app, you don't have to share your card information at check out.
EMV Chip Technology
All of our debit and credit cards feature chip technology, meaning a unique transaction code is generated each time you use your card. This makes it difficult for fraudsters to copy the card.
eStatements
With eStatements, your bank statements are only accessible with your online banking log-in credentials, meaning they're never sitting in your mailbox.
Free Credit Reports
You are entitled to one free report from each of the credit bureaus once per year.
Other Ways to Protect Yourself
Set Up Alerts - set alerts on your account via Online Banking, Mobile Banking or the SecurLOCKTM Equip app so that you can spot suspicious activity right away.
Check your credit reports - regularly review your credit reports for accuracy at annualcreditreport.com. You can order a free copy from all three of the credit reporting agencies. You are entitled to one free report from each of the credit bureaus once per year.
When you suspect fraud - our Reporting Fraud explains what you should do if you suspect fraud on your account(s).
How To Report Fraud
- Lost or stolen card: freeze it instantly in the SecurLOCKTM Equip app, then report it. See lost or stolen cards.
- Suspected fraud on your account: call us right away at 800-711-BANK (2265), or follow the steps to report fraud.
- Identity theft: review your credit and follow the recovery steps in our fraud prevention resources.
Spot the common scams
Most fraud starts with a message designed to rush you. Be cautious of texts or calls claiming to be the bank and asking for your login, a verification code, or a payment. Remember: we will never call, text, or email to ask for your online banking credentials or one-time code, and we will never ask you to send money to yourself to 'reverse' a charge. When in doubt, hang up and call the number on the back of your card.
Frequently Asked Questions
Call us right away at 800-711-BANK (2265). If a card is involved, freeze it in the SecurLOCKTM Equip app first, then report it. Acting quickly limits any loss.
Lock the card instantly in the SecurLOCK app, then contact us to report it and order a replacement. See our lost or stolen cards page for the steps.
No. First Commonwealth will never ask for your online banking password or a one-time verification code by phone, text, or email. If someone does, it is a scam.
Report unauthorized activity promptly and we will investigate.
Turn on account alerts, use the SecurLOCK app to control your card, keep strong unique passwords, monitor your credit with Credit Score Manager, and switch to eStatements so account details do not sit in your mailbox.