Debit Card Security

At Union Bank, we take fraud seriously. That’s why we offer three ways to help secure your debit card.

Protect ItMyCardRules™Fraud Center Monitoring

  • Prevent fraud by suspending your debit card so it can't be charged until you are ready to use it.

  • Get started! Open your Union Bank NC mobile banking app and select Preferences > Manage Cards > Select a Card > Suspend Card > Suspend. Return to 'Manage Cards' to reactivate.


  • Set up restrictions on how your card can be used.

  • Get started! Open the MyCardRules™ app and set your Control Preferences for locations, merchant types, transaction types, and/or spend limits.


  • We automatically monitor your card activity and block suspicious transactions until you confirm the transaction is valid.

  • Add "Union Bank Fraud Center" as a contact in your phone so you'll know how to respond to our call or text. Contact your local branch for confirmation of the phone number and SMS text shortcode from which you will receive a message.

Additional Security Tips:

  • Protect your Personal Identification Number (PIN). You should memorize your PIN and never write it down on anything in your wallet or on the card.

  • Keep your card in a safe place to avoid damage or theft. Protect your debit card as if it were cash.

  • Be smart with online transactions. Shop with credible merchants and look for secure transaction symbols like the padlock icon on your browser. These symbols mean your information will be encrypted and therefore safer.

  • Set alerts to monitor debit card activity using MyCardRules™.* You can also set usage restrictions and temporarily suspend your card.

  • Regularly update your contact information (i.e. mobile number, e-mail, address, etc.) that is on file with the bank. This will make it faster for us to notify you of any suspicious transactions.

  • Don’t use public wireless access for financial transactions. Make sure you are using a password-protected wireless signal to check your bank account balance, pay bills and shop so that hackers have less chance to capture your password and account information.

  • Let the bank know your travel dates and destination if you’re planning to travel outside of North Carolina.

  • Monitor your accounts regularly. Use services like online banking, mobile banking and MyCardRules™ to review your transactions at any time. Alert us immediately if you see any suspicious transactions.

  • If your Union Bank debit card is lost or stolen, disable the card immediately using online banking (under the Options menu), the Union Bank NC mobile app (tap Preferences, then select Manage Cards) or by calling 888-297-3416. Contact the bank during business hours to order a new card.

  • Always try to have another payment option available to you – such as another card, cash or check – in case your debit card doesn’t work.

  • Examine card readers for signs of tampering. Crooks use ATM skimmers to steal debit card information. Before using an ATM, shake the card reader to ensure that there are no foreign objects attached to it. Check the pin pad if there are any hidden cameras or false keypads. If anything looks crooked, loose, or damaged, it might have been tampered.

*To learn more about MyCardRules, click here.