Mastercard® Identity Check

Leveraging state-of-the-art technology, Mastercard Identity Check using 3-D Secure (3DS) helps verify that your online purchases are truly yours. In the event of uncertainty, you may be asked to further authenticate your identity via a one-time passcode. This service (which comes at no charge to you) helps make shopping online more secure by protecting against unauthorized use of your card. There’s no need to download anything, install software or register.  It’s sophisticated, yet simple,  for greater peace of mind.

During an online purchase, you may be guided through an extra check to verify your identity. If you encounter this extra step, simply follow the instructions on your screen. This helps us ensure you’re you and better protect you from fraud.

5 Things You Need to Know about your Debit MasterCard

1.  Make sure the bank has updated contact information including your current address, email address, and phone number.
2.  Suspicious transactions may trigger a call from the bank's fraud monitoring service.  You may obtain the telephone numbers to expect from your bank.  
3.   Let your bank know if you are traveling out of the state and especially overseas.  Often, blocks are applied to select countries where fraud is common.
4.  Check account activity online with internet banking.  Also use the manage your card options if you discover unauthorized charges.
5.   You can change you PIN at your bank's ATM.

More Important Debit Card Information

To protect your security and account, it may become necessary for Citizens Bank to temporarily block Debit MasterCard® activity in certain countries and areas. Citizens Bank Debit MasterCard® transactions are currently blocked for the following: 

  • Australia
  • India
  • Ireland
  • Cyprus
  • Slovakia
  • Spain
  • Turkey
  • United Arab Emirates 

If you plan on traveling, please be sure to check the blocked list before using your Citizens Bank Debit MasterCard® . If you would like to use your card in one of these areas, please contact customer service at 866-882-2265. For your convenience, the list will be updated on a regular basis. 

As the level of fraudulent activity decreases, we will lift the block on a particular state or country. 

ATM based PIN transactions will still be permitted for obtaining cash.

Consumer News, October 2018

What You Need to Know About Credit and Debit Card Billing Issues

People are making more purchases than ever with credit and debit cards. The more you use your cards, the more likely it is you will experience a credit or debit billing issue, such as an unauthorized purchase, a charge for an incorrect amount, or a returned item not properly credited to your account.

stack of credit cards
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Using Credit & Debit Cards Safely

Whether you are traveling, enjoying a night out or shopping, be careful and aware of your surroundings when using your credit cards and Citizens Bank Debit MasterCard® for purchases and cash withdrawals from ATMs. Guard your card numbers and pin numbers carefully and be especially aware of people holding cell phones near you. With camera phones becoming popular, thieves can take a photo of your card and have your name, number and expiration date which they could then use to make purchases on your account.

What If My Wallet Is Lost or Stolen?

  1. Prepare a list of everything in your wallet including account numbers and telephone contact information (or photocopy the front and back of all of your cards) so that you have the information to quickly report the loss. Keep this list in a safe place other than your wallet. If you are traveling keep a copy of your passport for identification. File a police report immediately in the jurisdiction where your wallet is stolen, which proves to credit providers that you were diligent.
  2. Cancel your credit cards immediately if they are stolen. However, the key is having the toll-free numbers and your card numbers handy so you know whom to call. 
  3. Immediately call the three national credit-reporting organizations and place a fraud alert on your name and Social Security number. This alert notifies companies that review your credit that your information was stolen and that you must be contacted by phone before new credit can be authorized. 
  4. File a police report immediately in the jurisdiction where your wallet is stolen, which proves to credit providers you were diligent.