We would like to make our customers aware of a data breach at Wendy’s restaurants. The breach was first announced to the public in May. At that time, the breach was determined to have affected only 300 of the franchise’s locations. The breach time frame was originally thought to be between October 2015 and mid-February 2016. Recent news indicates that the breach was larger than first indicated and that it was ongoing, possibly into the month of June.
We suggest that our customers use caution when visiting any Wendy’s restaurant if they intend to pay by debit or credit card. It may be wise to choose another payment option until the breach is confirmed to be contained. The franchise has indicated that the second type of malware has been discovered and disabled. However, due to the sophistication of the malware and the severity of the breach, we want to prevent our customers from having any further complications.
Tennessee State Bank utilizes fraud monitoring systems to assist in detecting possible fraud on a 24/7 basis. Your Visa Debit or Credit card has zero liability for unauthorized transactions. You should refer to your card agreement for information on what would be considered an unauthorized transaction.
Fraudwatch Plus is our fraud monitoring service for Debit and ATM cards. Fraudwatch Plus is available 24 hours a day, 7 days a week and the phone number is (866) 842-5208.
IMPORTANT ANNOUNCEMENT - 5/19/16 - Due to a large volume of debit card fraud, we have blocked certain merchants for credit transactions outside of Tennessee. This means some transactions may require a PIN to be processed. If you are planning to travel outside of Tennessee, please call (865) 429-2273.
Important! If your debit card has been lost or stolen, please contact us immediately:
|During office hours - (865) 429-2273 Mon-Thurs. (8am-5pm) and Friday (8am-6pm)|
|Lost/Stolen Debit Cards (after hours) - (800) 791-2525|
|Unauthorized Transfers for Consumer Accounts Information|
|Error Resolution Notice|
- TSB Debit Card Application or debit card upgrade request
- The Smoky Mountains Charity Cards
- School Spirit Cards
- The Patriot Charity Cards
- Automatic Teller Machine Locations (ATMs)
- Debit Card Travel Tips
- Debit Card Limits
- Changing PIN
- Lost/Stolen Debit Card
- Fraud Monitoring Service
- Verified by Visa® for Debit Card Holders
Tennessee State Bank's Debit Card is referred to as the Super Access Checking Card. This card has the Visa® logo on it and is accepted any place that honors a Visa® credit card. The Super Access Checking Card can now be upgraded to The Smoky Mountains Charity Card, School Spirit Card or The Patriot Charity Card. Tennessee State Bank offers ATM services at each of our branches. ATM services are also at offsite locations.
If you are traveling out of the area, please contact our office and inform us of the dates you will be traveling. This will prevent the appearance of fraud occurring on your account and we will notify our Fraudwatch system. We do have a block on all non-US transactions. If you travel outside of the US, we will need to lift the Non-US flag to allow your transactions to be approved.
In order to prevent debit card fraud, it is sometimes necessary to place blocks on certain merchant types or transactions in certain states or areas. If you are out of state and are declined during a transaction, ask the merchant to run your card as a debit with your PIN. If you are still experiencing problems, call our office at (865) 429-2273.
We have pre-set daily limits on our debit cards. They are as follows:
ATM Transactions- $500.00
POS Transactions- $2500.00
If you need to make a transaction that is over these limits, please call us at (865) 429-2273 during business hours and we can temporarily increase it to allow the transaction to complete.
New debit cards will have a computer generated PIN that will be received a few days after you receive your card. You may use the PIN you receive, or you may bring the card into any of our branches and choose a different number at any time.
Lost/Stolen Debit/ATM Cards (after hours): (800) 791-2525
Fraudwatch Plus is a new fraud monitoring service for our Debit and ATM cards. If suspicious activity is detected, a Fraudwatch operator will contact the cardholder. The operator will never ask for confidential information such as account number, full card number, or social security number. The operator will identify the Debit or ATM card by stating the last four digits of the card number and will ask the cardholder to verify recent activity. If fraud is confirmed, the card will be blocked and the cardholder will need to contact TSB for a new card and/or to file disputes. If the operator is unable to reach the cardholder, a temporary block may be placed on the card until activity can be confirmed. It is very important that we have a correct phone number on file for your Debit or ATM card. If you have changed your phone number recently, please contact us immediately.
The Fraudwatch Plus phone number is (866) 842-5208 and is available 24 hours a day, 7 days a week. If you have any questions about this new service, please call us at (865) 429-2273.
Verified by Visa adds an extra layer of security to make online purchases more secure. This is a change from previous use of Verified by Visa®. If your online transaction requires further verification, a box will appear with the Verified by Visa® logo. It will require you to enter the last four digits of your SSN, expiration date and billing address zip code. Once the information is verified, the transaction will proceed through the checkout process. If you have any questions or problems regarding Verified by Visa® for your debit card, please call (865) 429-2273.