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USB Offers Free Fraud Protection for Debit Card Customers

Fraudulent activity can strike anyone, at any time. At Union State Bank, your account security is our highest priority.  We monitor debit card and ATM transactions for suspicious activity 24-hours a day through EnFact, an intuitive fraud detection program. In addition, USB customers can monitor and manage their cards directly with the CardValet® mobile app.

When transactions occur that are not consistent with your normal card activity, you may automatically receive notifications from Union State Bank through EnFact. The EnFact system uses three different methods to alert customers to potential fraud: email, text and automated phone calls. Union State Bank and EnFact will never ask for account information, account numbers or passwords via email. If you are asked for this information, do not reply to the email and instead contact Customer Support at (866) 557-0060 during normal business hours.

Union State Bank also recommends customers download the free CardValet® mobile app to further protect their debit card transactions. CardValet® provides an additional level of security for debit card customers by providing real-time transaction alerts and customizable usage controls which allow you to define when, where and how the debit card is used. With CardValet® both business and personal banking customers can actively manage their money and take charge of your card usage. Parents can remotely control and monitor their children’s spending, while businesses can ensure spending policy compliance.

Within CardValet® spending limits can be established to allow transactions up to a certain dollar value and decline transactions when amounts exceed your defined thresholds. Transactions can be monitored and managed for specific merchant categories such as gas stations, department stores, restaurants entertainment, travel, and groceries. And your transactions can also be monitored for specific transaction types: in-store purchases, e-commerce transactions, mail/phone orders and ATM transactions.

Additional personalized settings include the “My Location” control which can restrict transactions to merchants located within a certain range of your location (using your phone’s GPS). The “My Region” control uses city, state, country or zip code on an expandable interactive map to restrict transactions to a specific region. Or, use the CardValet® app to turn the card on or off as you choose. When the card is “on,” transactions are allowed in accordance with your usage settings. When the card is “off,” no purchases or withdrawals are approved until the card is subsequently turned back “on.” This control can be used to disable a lost or stolen card, prevent fraudulent activity in the case of a data breach, or control spending.

Find more information on these fraud prevention tools here:



About Union State Bank: Founded in 1908, Union State Bank has banking locations serving communities of Arkansas City, Newton, Udall, Winfield, and Wichita in Kansas and in Bartlesville and Edmond, Oklahoma. Union State Bank offers a full range of electronic, deposit and cash management services, as well as business and agriculture, commercial real estate, construction, mortgage, residential and consumer loans. Member FDIC. Equal Housing Lender, NMLS# 412388