If your checkbook has been lost or stolen, please contact KANZA Bank immediately. 888-532-5821
If your debit card has been lost or stolen, please call:
During regular business hours (8am to 5pm), please contact KANZA Bank at 888-532-5821.
After business hours, please contact our service provider, Data Center Inc (DCI) at 620-694-6767. This service is available 24 hours a day, 7 days a week.
If You Become A Victim
Print and follow these steps to reclaim and restore your identity.
Contact banks and credit institutions.
Put a stop payment on any missing checks and close accounts that are compromised.
Change online passwords.
Update all access information for accounts and cards associated with the fraud.
File a police report.
Contact the police department in the community where the fraud took place.
Contact the post office.
Ensure that no address changes have been requested on your residence or business.
File a complaint with the Federal Trade Commission.
Report your complaint at http://www.ftc.gov/faq/consumer-protection/submit-consumer-complaint-ftc.
Contact the Social Security Administration.
Ensure that there's no unauthorized activity associated with your SS#.
Contact the three major credit bureaus.
It is your right and duty as a consumer to notify the credit bureaus of fraud, and to request that any associated inquiries be removed from your accounts. Request that fraud alerts be placed on your accounts and that creditors contact you before opening any new accounts or making changes to existing accounts. Contact the credit bureaus at the links and phone numbers below.
If your credit card has been lost or stolen, contact Banker's Bank of Kansas immediately at 800-999-5725.
SecurLOCK Fraud Detection Solution
Fraud is an ever-growing concern and KANZA Bank has taken steps toward providing a state of the art fraud detection/prevention solution SecurLOCK. It is free and all debit card customers are automatically enrolled. Our Fraud Alert Management service adds a layer of protection from possible account fraud by detecting debit card fraud quickly and accurately, minimizing your risk and protecting against losses.
Each of your debit card transactions is assigned a score on a risk-based scale; the higher the score, the greater the likelihood of fraud. To assign the risk score, the complex scoring model takes into effect many different aspects of your spending history coupled with common criminal tactics. Our service uses individual cardholder, transaction, and merchant data to detect a wide range of debit card fraud, including the following categories, which comprise more than 95 percent of all debit card fraud losses:
- Lost or Stolen Card Numbers
- Non-Receipt (Mail Theft)
- Counterfeit - including Skimming
- Card Not Present
Transactions are monitored 24-hours a day, seven days a week.
Debit card holders will be alerted when potential fraud is detected. The standard order of engagement for communication is:
- Voice Call
Alerts generated overnight result in an email only until texting hours are available. Texts will be sent 7:00 am to 10:00 pm in the cardholder's time zone. Calls will be made from 8:00 am to 9:00 pm in the cardholder's time zone. If a mobile phone is on record, a text alert will be triggered first. If we do not receive a response to the text(s), the system sends an automated voice call asking to confirm if authorizations are valid or unrecognized. If you select "Not Recognized," the call will be transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting confirmation. If the transaction(s) cannot be authorized, it will be declined.
Account activity should be reviewed as often as possible. This can be done online, using a mobile device or tablet or though monthly bank statements. Any time a suspicious or unauthorized transaction on an account is identified, it must be reported immediately. This can be done in person, by phone or in writing. The quicker the transaction is reported, the quicker KANZA Bank can act to identify and prevent any further suspicious or unauthorized activity. In addition, please keep us informed of any changes to your contact information so that in the event of suspected fraud, calls may be directed to you as quickly and efficiently as possible.
KANZA Bank will not send you emails requesting personal or account information. These fraudulent messages are called "phishing". If you have received and responded to a message that appears to be from KANZA Bank, notify us immediately by calling 888-532-5821. You may also forward the email to email@example.com.