By Amy Falke
Details of this trip have been buzzing around your head for the past few weeks and now, as you start your drive to the airport, the to-do list runs through your head one more time. You begin to mentally check things off your list. Ask neighbor to take care of animals, check. Adjust the thermostat, check. Call the bank, check.
What? Call the bank—why would you call the bank?
Letting the bank know your travel plans helps prevent an unexpected block on your bank card. Because Bank of American Fork values cardholder safety, we try to anticipate normal cardholder activity. If a cardholder does something that is outside their normal activity, a “possible fraud” alert may be triggered and a temporary block may be placed on the card. This block remains on the card until the customer confirms the validity of the transaction with the bank or with the fraud monitoring service provider. For example, if most transactions for a card have been in Utah County, when the card registers a transaction in Miami, Florida, it can trigger an alert and may block the card.
The prevalence of international card fraud has caused Bank of American Fork to implement practices that protect customers in these areas, as well. Certain countries have been identified as having higher fraudulent card activity and using your card in these countries may create a block on your card. If a customer is planning to travel internationally, he or she can contact the bank and request that their card be temporarily released from the automatic block. Once the customer returns home, they will not need to contact the bank again. The country blocks will automatically be placed back on the card based on the timeframe provided in the travel plans.
Providing the bank with travel notes of planned locations and time-periods prior to your departure allows the bankcard department to make the necessary adjustments that can ensure uninterrupted card service during and after your trip. For additional questions or to place travel notes, speak to a teller or new accounts person at your local branch, send a secure message through your online banking, or call customer service at 800-815-BANK.