They are doing maintenance when you can't log in, as has been my experience. I tried logging in earlier but could not, so I called. I was transferred to a human after giving the information the recorded voice asked for. This person answered and immediately thanked me for my patience because there was no information for me while maintenance was updating the accounts, and it would be 8 a.m. before I could get any information. I had made a charge, and I was surprised I did not get a notice on my app, email, or text—all of the other credit cards I have sent me such a notice. The charge was substantial, so this is more concerning. It is what it is.
If you are concerned that someone will use your card if it is in their possession where it says to sign for your name instead, you can write "ask for identification."
Wouldn’t it help if the card (or names, number and expiration date were attempted to be copied off) was later stolen for card not present transactions? That about all I could see it helping with? A person would need to remember what they actually were if they wanted to do a card not present transaction themselves.
When I dispose of a expired credit card I cut it into 3 or 4 pieces making sure I separate my name info and card info onto different pieces. Then I'll put one or two in the recycle bin one day and later put the other piece(s) into the recycle bin.
My shredder has a slot for credit cards and CDs. Credit cards are no longer embossed, as use of carbon copy readers are no longer allowed.
If someone has the acct #, exp date and code they can make online or phone purchases without the card. Sometimes zip code is also required but not always.
Nobody checks signatures anymore. The signature panel on new cards is so tiny that what I can squeeze in there bears little resemblance to my actual signature. The same is true when I sign on an electronic capture device with my finger.
Mine usually show up at or soon after the statement date after the $5,000 spent is reached.
If you do an Internet search (I use Freespoke.com) for FNBO, you will find that this is a LARGE bank with billions in assets. It is a part of the Nebraska banking system. Don't let the rinky-dink fool you. This is a large bank with substantial assets.
Shred it in a million tiny pieces.
Being part of the Nebraska banking system doesn’t make it seem impressive or less rinky-dink…. but I was born in Jersey, so who am I to judge
I’m not a big fan of TD Bank either…when I did a 0% balance transfer with them I wanted to set up automatic payments for a fixed amount in order to pay off the balance before the 0% promotion ran out. For some reason their minimalist website doesn’t let you do automatic payments for fixed amounts, only minimum payments or statement balance, those are the only options.
