Answers to Frequent Questions Regarding the Target Store Breach

The debit and credit card breach at Target has affected many people and we are as concerned as you that your account is protected. We have compiled a short list of frequently asked questions that you may be asking. Please do not hesitate to contact Deposit Services if you have any concern that your account may have been compromised.

Q: What are you doing to protect my personal account information, especially in this case?

A: Working with Visa, National Bank & Trust offers consumers multiple layers of security protection against fraud, including Visa’s Zero Liability policy, the cardholders’ ultimate protection. With Zero Liability, consumers are not responsible for any unauthorized purchases made on their Visa cards.

Q: What should I do if I experience fraud on my account?

A: Please monitor your account – both your monthly statement and online – and let us know immediately if you see unauthorized purchases.

Q: Can you tell me if my card information was stolen in this incident or if it has been used fraudulently?

A: Although certain card account data may have been compromised in this incident, it does not mean data related to your account was taken, or that fraud has occurred on your account. Please be assured that we are actively monitoring the activity on your account and continuing to work to protect you from fraud.

As always, please review your monthly and/or online statement carefully and call us back immediately if you see any suspicious activity. All Visa consumer credit and debit cards are protected with Visa’s Zero Liability policy in the event fraud does occur, which means you pay nothing for unauthorized purchases on your account.

Q: What part of my information was stolen?

A: Target has confirmed that the customer name, credit or debit card number, the card’s expiration date, the CVV (the code on the magnetic stripe) and encrypted PIN information may have been compromised. It’s important to note, though, that although your information may have been compromised, it does not necessarily mean fraud has occurred or will occur on your account. We are actively monitoring the activity on your account and working to protect you from fraud.

In the event any fraud occurs on your card, all consumer Visa credit and debit cards are protected with Visa’s Zero Liability policy, which means you pay nothing for fraudulent activity on your account. Please continue to monitor your account and let us know immediately if you notice any charges to your account that you don’t recognize.

Q: Is my PIN number safe?

A: According to Target, even the stolen PIN data should remain secure since it was encrypted. The PIN information was fully encrypted at the keypad, remained encrypted while it was in Target’s system, and remained encrypted when it was removed from Target’s system.

According to Target, it does not have the key to decrypt the PIN information within its system. The PIN information can only be decrypted when it is received by Target’s external, independent payment processor. According to Target, this means that the “key” necessary to decrypt that data has never existed within Target’s system and could not have been taken during this incident.

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