Why Debit Cards Are Safer Than You Think

Security & Fraud

When it comes to spending, many people have a debit card at their disposal. However, a myth exists that debit cards aren’t safe to use. As a result, many people choose not to use their debit card. They’re actually safer than you think, and we’re here to debunk this myth.

Throughout this article, you’ll learn how we protect your Connexus debit card from fraud and tips for using your debit card safely.

How We Protect Your Connexus Debit Card

At Connexus, we have several security measures in place to protect your debit card from fraud. Some of these measures include:

  • Setting a daily limit for cash withdrawals and purchases
  • Equipping all our debit cards with EMV chip protection
  • Providing contactless Visa® debit cards with Mobile Wallet capabilities
  • Offering Debit Card Management so you can customize your card security
  • Having a dedicated fraud team that monitors for suspicious activity
  • And more

If our fraud team suspects suspicious activity, they will contact you. That said, it’s important to keep your contact information updated with Connexus. If you need to update it, you can complete our Contact Information Change Request form.

Additionally, if your Connexus debit card is lost or stolen, or you suspect fraud, you should freeze your card using the Debit Card Management tool and contact us as soon as possible.

Credit vs Debit—What’s the Safer Option?

When making a purchase with your debit card, you’re usually asked to choose between “Credit” and “Debit.” While both options are safe, we recommend selecting “Credit.” This option offers extra protection that helps prevent, detect, and resolve fraud.

Tips for Using Your Debit Card Safely

In addition to the security measures mentioned above, you can also take steps to protect your debit card. These steps include:

  • Checking that the card reader hasn’t been tampered with before swiping or inserting your card
  • Using the tapping feature available with your contactless Visa® debit card or Mobile Wallet
  • Tracking your account closely by turning on account alerts
  • Only using your card on trusted websites
  • Protecting your PIN
  • Avoid sharing your debit card information with anyone
  • Reporting your lost or stolen card immediately
  • And more

Keep Yourself Safe From Fraud

Unfortunately, debit card fraud is not the only type to be on the lookout for. To learn about other common fraud tactics and tips for keeping your account and personal information safe, visit our Security & Fraud Center.