Debit Card Fraud Protection Features

Join us in Fighting Fraud

Fraud strikes people of all ages and keeping your account safe and secure is our highest priority.

Your First State bank MasterCard® Debit Card comes equipped with fraud features designed to stop fraud in it's tracks!

Fico Falcon Fraud Manager

How does it work?

With each swipe of your card, Falcon creates a memory of information based on cardholder habits such as where and when you shop, how much you typically spend, types of purchases, fraud rates in the area and more. Each purchase strengthens the memory and in turn, makes decisions on which transactions are likely to be fraudulent.

What if fraud is detected on my account?

If a suspicious transaction is detected on your debit card, a SHAZAM fraud specialist will call you on our behalf from 866-508-2693. They won’t ask for any personal information. If you confirm the transaction is fraudulent, Falcon’s real-time response capabilities allow us to quickly respond to suspicious transactions and avoid additional losses.


Text Fraud Alerts

With Text Fraud Alerts as part of our debit card protection program. You’ll receive a text alert when suspicious activity is detected on your First State Bank debit card. Your YES or NO reply will confirm or deny the activity.

A NO reply will confirm the activity is in fact fraudulent; you’ll quickly receive a follow up text to let you know that a SHAZAM fraud specialist will call you soon to help protect your account. We’ll also automatically block your debit card to prevent any additional fraudulent activity.

A YES reply will let SHAZAM know the activity is legitimate and you can continue to use your debit card as normal.

If you don’t reply to the text, or your phone number is not a mobile number, we’ll attempt to reach you via automated voice call.

Save these numbers to your contacts so you don't miss an alert!

Text message alerts from: 72718

Automated phone calls from: 855-219-5399


If you have any questions, or ever see a suspicious transaction on your debit card, please contact a Personal Banker at any of our seven convenient locations!

IMPORTANT: We will NEVER request card or account information via text, phone or email!

Fico Falcon Fraud Manager and Text Fraud Alerts are automatic features, there is nothing to sign up for. Simply provide your current contact information and notify us if it changes.