- Scammers can use your debit card, even if you still have your physical card with you in a process known as skimming.
- Report any fraudulent debit card transactions immediately by calling or using your app.
- You aren't responsible for unauthorized charges if your debit card is correctly and promptly reported as stolen.
- Always report any suspicious activity on your account, and contact us for support.
- Never give out your digital banking username and password.
- If you believe you have been a victim of a scam, you can report it to www.ic3.gov which is monitored by the FBI.
- Not sure if it's fraud? Contact Us.
Reporting your card as lost or stolen
If your card has been lost or stolen, we’re here to help quickly and securely. It is important to report your lost or stolen card, or any fraudulent charges on your account, as soon as possible.
- Digital reporting - Sign in to Digital Banking and select “Card Controls” to note your card as lost or stolen.
- Local Information Center - During normal business hours, call Heritage at (812) 253-6928, Option 6
- After business hours, please call 1-866-498-2196
To learn more about topics like fraud, credit, and more financial literacy, check out our podcast Talking Cents with Heritage.
Avoiding Fraud and Scams
- Treat Zelle like cash. Only send money to those you know and trust.
- Always double check you have the person’s correct information before the transaction, and that you know who they are.
- Remember never to share your personal information (like your account number, banking logins, or passwords).
- Always be extremely cautious when sending a wire to ensure you know the recipient. For more information about wire fraud, click here.
External transfers are a great way to manage your money between different financial institutions, all within the digital banking app. Make sure to use the following steps when adding an external account to avoid fraud.
- Only add accounts where you are listed as the account holder.
- Make sure you have double checked the account and routing number to ensure they are correct.
- Never add someone else's account to your digital banking with external transfers.
- Protect your passwords and use two-factor authentication, or an authenticator app. This will prevent hackers from accessing your personal information.
- Be careful when being offered a job on the internet. Typically in these types of scams, you receive a large check for doing a job. Then, when you deposit the check and spend the funds the check returns.
- Always use caution when using Facebook Marketplace, Craigslist, and other resell websites. Scammers will offer you more than the asking price for an item, typically to cover the cost of shipping or as what appears to be an accident. Then they ask you to return the funds.
If you believe you have been a victim of a scam, you can report it to www.ic3.gov which is monitored by the FBI.
- It's important to be cautious about what checks you are depositing into your account, never deposit a check if you are not aware of the source, and know it is legitimate.
- No one will ever need your digital banking username and password to set up direct deposits.
- Someone sending you a legitimate check will never ask you to send a portion of the funds back to them, or to purchase gift cards on their behalf.