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Protect Yourself

Card Security

  • Sign the signature stripe on the back of your credit card as soon as you receive it.
  • Never let anyone else use your card.
  • Keep your card in a safe place.
  • Don’t let your card bend or get scratched.
  • Keep your card away from magnetized objects and phones.
  • Get your card back anytime you use it.
  • Keep your card transaction(s) and ATM receipts to check against your statement.
  • Read correspondences from your bank before discarding as they may contain important card
    account information and not just marketing material.

Online Transactions

  • Make sure the online shop is reputable. Get more information if unsure.
  • Check if the online shop has a Return and Refunds policy.
  • Use a secure browser connection when entering card details.
  • Check that the site URL begins with “https” or look for a locked padlock or unbroken key
    symbol at the bottom right of your browser window.
  • Don’t make your password/CVV easily identifiable and don’t disclose it to anyone.
  • Print out a copy of the transaction record for any online purchase you make.

Fraud Prevention/ Detection

  • Check your account balance regularly.
  • Call us immediately on +234 805 852 8865, +234 803 836 5120, if you suspect fraudulent transactions.
  • Keep your card in a safe place where no one else has access to it.
  • Keep your card in sight at all times to ensure no one copies your card details (to avoid skimming/cloning)
  • Never send your Credit Card number by email
  • The Bank will never ask you to update your cards details online or via email.
  • Report any request to do so immediately to the Bank.

Phone Transactions

Phone Transactions

  • Don’t give your card details when you have initiated a call to a company you are not are familiar
    with.
  • Keep your card in sight at all times to ensure no one copies your card details.

Pin Protection

  • Memorise your PIN, don’t ever write it down.
  • Never tell anyone else your PIN.
  • Don’t choose a PIN that is easily associated with you e.g. your birth date.
  • Don’t let anyone see your PIN when using ATMs or POS.
  • Change your PIN periodically, and if you think it may have been compromised, change it immediately.
  • Use a different PIN for different cards.

NOTE
If your card is stolen or lost or your PIN is compromised, Please notify us immediately.