Fraud

For Cards:

If you believe your Card information has been lost, stolen or compromised in any way, call BankORION immediately at the number on the back of your Card or at 309.526.8011 to suspend service. For lost or stolen cards after hours, please call 800.472.3272. For Fraud protection after hours, please call: .866.750.9107 or 877.253.8964.

For Identity:

If you suspect identity theft, here's a list of steps to take immediately.

• Contact us immediately at 309.526.8011. 
• Call the credit bureaus:
  • TransUnion: 1.800.680.7289 or transunion.com
  • Equifax: 1.800.525.6285 or equifax.com
  • Experian: 1.888.397.3742 or experian.com
• Contact any creditors you might have. Close those accounts that were hacked and open new ones.
• Change passcodes, passwords or login credentials on any open accounts.
• File a police report. You can also report a crime through the Federal Trade Commission hotline at 1.877.IDTHEFT or online at identitytheft.gov. 

It's always a good idea to update your passcode frequently. Do you need to reset your passcode now? Here are 4 easy steps to reset your passcode:

Click the "Reset Your Passcode" button above. This will take you to our secure online banking platform to change your passcode information.

• Validate your account. Here you will input your Access ID, Primary Email Address and the last four digits of your SSN or TaxID. 
• Answer your security question. 
• Deliver a temporary passcode through your email or phone. 
• Reset your passcode and hit submit!

Notify Me Alerts

You can set up alerts through our online banking platform. Login to the BankORION Online Banking from a web browser. Click the "Alerts" button at the top of the page, then click "Settings." From the Settings page, you will be able to create alerts that will go to either your email or your mobile device. There are many options to choose from including but not limited to, getting balances, alerts for overdrawn accounts, and alerts for transactions over a certain amount. To get started, click on the login button at the top of this page.

BankORION Alerts Powered by VISA®

Alerts from BankORION powered by Visa help you reduce fraud and monitor your spending anytime, anywhere. With near real-time alerts, you can receive updates on your Visa® card activity through email. So you can act quickly to reduce fraud and monitor your account—wherever you are. Click the link below to learn more:

At BankORION, our goal is to protect your accounts from fraudulent activity. We monitor debit card and ATM transactions for fraudulent activity through eNFACT, a fraud detection program. Fraudulent activity may include a sudden change in location, a sudden string of costly purchases, or a pattern of new fraud trends. eNFACT learns your normal spending patterns over time and any transaction that meets the criteria set up to create a fraud case will automatically trigger a call or text from eNFACT.

If we suspect fraudulent debit card use, eNFACT will be calling or texting you to validate your transactions.

eNFACT May Call You:

If fraud use is suspected, you may be called to validate your transactions. Your participation in responding to the call is critical to prevent future risk and avoid restrictions we may place on your card.

• The automated call center will ask you to verify recent transaction activity on your card.
• You’ll be asked to verify your identity and provide your 5 digit zip code, date of birth or the last four digits of your social security number.
• You’ll be able to respond via your touchtone keypad.
• You’ll be provided a toll-free number to call should have you additional questions.

eNFACT May Text You:

All card holders with a valid mobile phone number in our system are automatically enrolled in this program. If fraud use is suspected, you may get a text to validate your transactions from either one of these numbers: 37268 or 20733. Your participation in responding to the text is critical to prevent future risk and avoid restrictions we may place on your card.

• The automated text center will ask you to verify recent transaction activity on your card.
• The text will appear with "BankORION Fraud Center," the charge amount and the last four digits of the card.  
• You'll need to reply to the text with either a "Yes" or "No". If it is a valid charge and you reply "Yes," you will be able to proceed with the transaction. If you reply "No," the transaction will be declined.

Here's How You Can Protect Yourself:

Unless absolutely required for a legitimate business purpose, you should never offer your:

• Address and Zip Code
• Phone Number
• Date of Birth
• Social Security Number
• Card or Account Number
• Card Expiration Date
• Your PIN is private – never offer your PIN to anyone.

Online, Think Before you Click:

• Never send account information through email or text.
• Never click links to websites you don't know.
• Be alert when you are keying in your account information online.

To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone numbers (home, work and cell) and address at all times. BankORION will never ask for account information, numbers or passwords via email. If you are asked for this information, do not reply to the email and instead contact BankORION immediately. To contact eNFACT Security about debit card issues, please call toll-free 877-253-8964 24 hours a day. During regular business hours, please call the Fraud Department at BankORION at 309.526.8011.