FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government



Tap Smarter.

Your Debit Card Safety Guide is Here.

It's easier to tap with confidence when you know what to look for.


Over the next few months, our branches are highlighting safer ways to pay—like using card controls and digital wallets. It’s the perfect time to get familiar with the scams tied to swiping and learn how to outsmart the fraudsters who rely on distraction.


CyberSmart is part of that effort—your go-to snapshot of what to watch for and how to stay one step ahead.

Warning Signs & How to Stay Safe

Skimming Devices

Criminals install fake card readers over real ones to secretly copy your card when you swipe.

Inspect Card Readers

Tug on the reader before using it. If it’s loose or looks odd, avoid it and alert staff.

Data Breach Cloning

Hackers steal your card info from company data leaks and use it to make fake purchases.

Card Controls

Take control with real-time alerts, limits, and instant locks—right in the HCN Bank mobile app under the Cards menu.

Proximity Scanners

Thieves use wireless devices to grab your card info without touching it—just by standing nearby.

Use RFID Shields

Carry your card in a sleeve or wallet that blocks signals.

Fake Shopping Sites

Scammers create fake stores or apps that steal your payment info when you check out.

Verify Before You Buy

Stick to trusted retailers and double-check URLs. Avoid deals that seem too good to be true.

Phishing Texts

You get a fake message claiming there’s an issue with your account, asking you to share card details.

Don’t Click

Don’t click or reply. Call your bank directly to confirm any alerts.

Debit Card Theft

Sometimes, the simplest way scammers get your card is by stealing it from your mail or finding it where you left it—like at a restaurant or store.

Act Fast if Lost

If you lose your card or suspect theft, lock it immediately using our banking app and call the Lost or Stolen line at (833) 221-8663.

Tap. Pay. Done.

Safer than a card swipe.

Smarter than cash.


Apple Pay® keeps every transaction secure with Face ID, Touch ID, and encryption.


Set up Apple Pay in seconds:


  • Open the HCN Bank Mobile app on your iPhone.


  • Tap on Cards.


  • Tap on Add to Apple Pay


  • Follow the prompts to add your HCN Bank debit card.

Need Help? Contact Us!

If you're concerned about financial security or suspect a scam, we're here to help.

Visit us at your local branch or call (951) 766-4100 to speak with our team.

Stay safe, Stay CyberSmart

hcnbank.com/cybersmart • (951) 766-4100
 

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Apple Pay and Touch ID are trademarks of Apple Inc.