Card/ATM Security

Advanced Protocols for Card Security

WyHy has implemented robust protocols internally and collaborates closely with our card and ATM partners to ensure the security of your transactions. Here's how we safeguard your information:

EMV Chip Cards:

Over the past few years, the transition to EMV chip cards has significantly reduced the risk posed by magnetic stripe cards. EMV cards utilize encryption technology that makes it extremely challenging for fraudsters to clone your card or gather card information for online use. By leveraging this technology, we enhance the security of your transactions.

Card Management Services:

Our online banking portal offers convenient card management services that give you control over your cards. You can deactivate, reactivate, or put your card on hold as needed. Additionally, you have the option to set up text alerts for transactions and other account activity. These alerts enable you to receive notifications for withdrawals, deposits, and more, empowering you to stay informed and identify any suspicious activity quickly.

Ensuring ATM Security

We have implemented comprehensive security measures at our ATMs to ensure the utmost safety of your transactions. Here's what we do to protect you:

Anti-Skimmer Technology:

Our ATMs are equipped with cutting-edge anti-skimmer technology, which safeguards your card information and reduces the risk of card compromise. Skimmers are devices used by fraudsters to intercept card information during transactions. By implementing this advanced technology, we add an extra layer of security to your ATM experience.

Detecting and Reporting Skimmers:

To protect yourself, it's essential to be aware of the presence of skimmers. They can often be detected physically or visually. For example, at gas stations, look out for security tape (usually red) with the word "void" or if it has been cut. These signs may indicate the presence of a skimmer, and in such cases, it is advisable to report it to the gas station attendant and pay inside for your gas. Additionally, be cautious of any physical attachments on card readers that appear loose, crooked, or cover important elements. If you suspect a skimmer, notify the business immediately so they can address the issue. In case you have inadvertently used a compromised card reader, review your online banking portal to confirm the legitimacy of your transactions. You can also utilize our card management portal in online banking to disable the affected card.

Best Practices for Enhanced Security

While we prioritize your security, there are also actions you can take to further protect yourself. Here are some simple yet effective tips:

•  Choose Complex PIN Numbers: When setting a PIN for your debit card, opt for a complex combination that is difficult for fraudsters to guess. Avoid using easily recognizable patterns such as repeating numbers, sequential sequences, or numbers associated with personal information available online.
•  Ensure Secure Online Transactions: When making online transactions, be cautious and verify the web address for accuracy. Double-check that it starts with "https://" to indicate a secure connection that encrypts data in both directions. If following a link within an application, copy and open it in a formal web browser to ensure a secure connection.
•  Leverage Digital Wallets: Digital wallets, such as Apple Pay, Google Wallet, and Samsung Pay, offer an additional layer of security. These platforms enable you to load your debit and credit cards for secure online