Target Stores Security Breach Update

On Thursday, December 19, nationwide retailer Target Stores alerted their customers of the potential for debit and credit card fraud as a result of a data compromise from purchases made in their stores from November 27 (Black Friday) to December 15.  According to current information, the compromise did not impact online purchases at Target.com.  The Secret Service and other entities are working with Target to obtain additional information.  Please visit Target’s website (Target.com ) for important information concerning this breach.

First Commerce is closely monitoring this issue.  Our top priority remains to maintain the privacy and the security of our cardholders.  At this time, you do not need to call First Commerce to learn if you are impacted.  You may continue using your First Commerce debit card knowing that we are always working to protect your financial information.

We would like to make you aware of the actions we are taking and ones you should consider.

ACTIONS BEING TAKEN BY FIRST COMMERCE

First Commerce monitors your debit card activity 24 hours a day, 7 days a week and will contact you immediately at your home telephone number if we identify a suspicious transaction(s).  If we believe your account is at risk for fraud, we will notify you and reissue the card.  Since we take proactive steps to help minimize any occurrence of fraud and protect all of our members, fraud does not actually have to occur on your account for us to use these measures on your behalf.

Please note: All of your First Commerce debit cards are protected and you will have zero liability if you are the victim of a fraudulent transaction.

ACTIONS YOU SHOULD TAKE

IF YOU SHOPPED IN A TARGET STORE BETWEEN NOVEMBER 27 AND DECEMBER 15, 2013:

Closely monitor your account for any suspicious or unusual activity.  Please do this regularly and do not wait until you receive your monthly statement.  To assist you in this endeavor, we provide free services including iAlerts!, real-time texts/emails customized based on your choices (transactions, balances, etc.); iBranch! online banking, and iBranchMOBILE, our mobile banking app that allows you to check your account on the go. You may sign up for these free services here .

IF YOU DISCOVER SUSPICIOUS TRANSACTIONS AND SUSPECT THAT YOUR DEBIT CARD NUMBER HAS BEEN BREACHED:

You may report your debit card as lost/stolen by calling (850) 922-7282, option 3, or 1-800-417-8715.  PLEASE BE ADVISED THAT THIS WILL CANCEL YOUR DEBIT CARD, IMMEDIATELY TERMINATING IT, AFTER WHICH IT CAN NO LONGER BE USED FOR ANY PURCHASES.  IT COULD TAKE UP TO 15 BUSINESS DAYS BEFORE YOU RECEIVE A REPLACEMENT CARD, which is partially dependent upon mail transit times.

IF YOU FIND AN UNAUTHORIZED TRANSACTION:

You should pull your credit report after one to two months to check to see if any new credit has been established in your name without your permission. You are entitled to a free credit report from each credit bureau once every 12 months under federal law.  You may obtain your free credit report by visiting www.annualcreditreport.com .

You should also report the transaction to the Federal Trade Commission (FTC) to protect yourself from identity theft.  Visit the FTC’s website at www.consumer.gov/idtheft or call the FTC at 1-877-438-4338.  You can also visit this site for additional resources pertaining to identity theft.

Thank you for placing your trust in First Commerce. If you have any questions or concerns, please don’t hesitate to contact us .