Visa® and MasterCard® provide multiple layers of protection to help cardholders shop anywhere, anytime, any place with greater comfort and confidence. These include:
Zero Liability
Commerce Bank offers consumers Zero Liability* protection for fraudulent transactions on Visa Check Cards, Visa and MasterCard Credit Cards. If you discover fraudulent transactions, your liability is $0 so you pay nothing in the event of fraud. Call us immediately if your card is ever lost or stolen or if you discover fraudulent transactions. To report a lost or stolen card call:
| Credit Cards: |
1-800-645-2103 |
| Visa Check Cards: |
1-800-617-7480 |
ID Theft Assistance
In recognizing the importance of taking the “hassle factor” out of being an identity theft victim, Visa has launched a
special program in partnership with Call for Action
(www.callforaction.org) to help victims recover in the event
of identify theft. Victims can now receive free, confidential
assistance from trained identify theft counselors by calling
1-866-ID-HOTLINE.
Three-Digit Security Code
Another layer of fraud prevention resides with the use of
a three-digit code on back of credit and debit cards called Cardholder Verification Value or, CVV2. These three numbers help ensure that the physical card is in the cardholder’s possession while shopping online or by phone, helping to prevent unauthorized or fraudulent use.
Continuous Monitoring for Fraud
Visa is continually monitoring its payment systems to detect
unusual spending activity and issue real-time alerts to banks,
who, in turn, then call their cardholders to confirm transactions.
Anti-Phishing Technology
Visa has also joined the Phish Report Network
(www.phishreport.net), a database which allows financial
institutions and other companies to report their legitimate and
fraudulent web sites so that e-mail providers and others can
block the e-mails from consumers’ in-boxes.
Anti-Fraud Consumer Education
Visa provides extensive consumer education on fraud topics
such as phishing and identity theft at www.visa.com/security.
* Customer must notify Commerce Bank within 60 days of receiving statement with unauthorized account activity
