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    Frequently Asked Questions

     

    Question 1:
    I recently purchased a suit at a store, so they would do the alterations I requested.  I paid with my debit card.  While these were being done, I continued to shop at this store.  When the alterations were done, I went to check out again and tried to use my debit card that I had used to pay for the suit.  The store clerk told me came back as ďdeniedĒ.  When I got home I found the Bloomfield State Bank Security fraud department had called.  The reason: I tried to use the card twice in about 30-minutes and they thought I may have left my card at the counter the first time and someone else was trying to use it the second time.

    Answer 1:
    This scenario we can all agree that it is unusual for a person to make 2 purchases in a menís clothing store within an 30 minute window.  Is it possible?  Of course it is and in this case, it was completely legit & above board.  But you can also see how it didnít look ďnormalĒ.  We will contact you based on the information we have on your customer file.  Please let us know if you have alternate or preferred contact information.  We will never solicit calls to you or sell your information.  We ask for this contact information only to help prevent fraud from occurring on your accounts.

    Question 2:
    I normally use my card in the Bloomington area, and but decide to visit Chicago and I use my card, will the transaction be allowed? 

    Answer 2:
    Yes, 99% of the time.

    Question 3:
    If Iíve never used the debit card for an internet purchase, and then try it, will it be allowed?  

    Answer 3:
    Yes, 99% of the time.

    Question 4:
    Will the above transactions be allowed if the bank tries to contact me and canít?

    Answer 4:
    Yes, 99% of the time. There will be occasions when we are unable to contact the cardholder and we feel strongly that the transaction is fraud.  If Bloomfield State Bank is not open, our 24-Hour Security Department will make a decision based on the nature of the transaction.  If the transaction is considered strongly to be suspect of fraud, we will temporarily place the card into inactive status until we can verify the transactions with the cardholder.

    Question 5:
    If I notify Bloomfield State Bank in advance of going on vacation, can you flag my card to allow transactions that might have appeared fraudulent otherwise?

    Answer 5:
    Yes, this will help us in determining the possibility of fraud.  We will place a note on your account to reference in the event a transaction is scored as potentially being fraudulent.

    Question 6:
    Is there a charge for this service?

    Answer 6:
    NO, this service is absolutely free of charge.  We provide this feature on every customers debit card free. 

    Answers to all the above:
    Bloomfield State Bankís Security Department and the Falcon software do have the ability to deny a transaction however we reserve that for extreme cases. The Falcon software in 5+ years has exercised that option only twice.  We use Falcon as a tool to sift through the transactions and find the fraud, not as an authorization/denial tool.  

    There will be occasions when we are unable to contact you and we feel strongly that the transaction is fraud.  If Bloomfield State Bank is not open, our 24-Hour Security Department will attempt to contact you and will make a decision based on the nature of the transaction.  If the transaction is considered very strongly to be suspect of fraud, we will temporarily place the card into inactive status until we can verify the transaction with the cardholder.  You will need to contact either Bloomfield State Bank or our 24-Hour Security Department.

    If you plan on traveling abroad or take a vacation, it is best to let us know when and where.  This is especially true if you are traveling abroad as most fraudulent activity occurs over seas.  We will refer to these notes before making a decision about the transaction and how to status your card.

    Bloomfield State Bank has implemented this security feature to your account as debit card fraud has rapidly increased.  We want to protect you and your accounts held at Bloomfield State Bank.

    Should you ever have questions regarding your accounts or any service Bloomfield State Bank provides, please do not hesitate to contact us.

    If you have questions during normal business hours, please contact:
                                        Kerri Frye
                                        Bloomfield State Bank
                                        EFT Services
                                        (800) 319-6110

    At anytime, cardholders may contact our Debit Security Departmentís 24 hour hotline:
                                        Debit Security Department
                                        Bloomfield State Bank
                                        (800) 500-1044

    To contact us if you received a call regarding a Debit Card transaction:
                                        Debit Security Department
                                        Bloomfield State Bank
                                        (800) 890-5097

       
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    800-319-6110
    Bloomfield State Bank
    48 N. Washington
    Bloomfield, IN  47424