Welcome to Southern Missouri Bank of Marshfield

ATM Cards
Debit Cards
You Can Help Protect Yourself From Debit Card Fraud
Important Information Regarding Compromised Debit Cards

ATM Cards

Having our ATM card is like having your personal teller. It’s there when you need it to complete a variety of transactions—without having to come directly to Southern Missouri Bank Of Marshfield. You can withdraw or transfer funds any time of day, anywhere one our many machines is located.

Fast and Easy: Now there’s no need to drive across town to get cash or transfer funds form one account to another. One of our ATMs is probably close to where you work or shop. So, you can take care of your financial business, without taking a lot of time.

Worry free when you’re out of town: No need to worry about running out of money when you’re out of town. Your card can be used at many ATMs around the country—or even around the world.

Safeguarded if lost or stolen: When you receive your ATM card, you’ll also be assigned a personal identification number (PIN). It’s added security against someone making transaction without your consent.

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Debit Cards

Our card goes beyond conventional checking: Most checkbooks can only do one thing—checking. Our Visa Check Card does this and much more. Visa Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else. Use your card wherever VISA debit card is accepted. Plus, Visa Check Card performs all the functions of an ATM card. It’s the checking-withdrawing-and-transferring funds card all in one.

Fast and one-step easy: Forget having to round up your checkbook, a pen and two forms of identification. With Visa Check Card, every purchase is as simple as using a credit card.

Worry free when you’re out of town: No need to worry about getting your checks cashed out of town. You may use your card wherever VISA debit card is accepted.

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Provides all the advantages of an ATM card: Need to withdraw or transfer funds? No problem. Visa Check Card gives you access to all these services wherever you need them.

Economical and ecological: Eliminate the need to purchase checks (and the risk of running out when you’re at the checkout). Visa Check Card saves money in check printing fees while it saves valuable resources.

Safeguarded if lost or stolen: When you receive your Visa Check Card, you’ll also be assigned a personal identification number (PIN). It’s added security against someone making transactions without your consent.

Just like balancing your checkbook: Every month in which a transaction is completed, you’ll receive an account statement that includes the date, location and amount of every transaction you made.

So stop by the bank and see one of our friendly representatives to sign up for you Visa Check or ATM card today!

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You Can Help Protect Yourself From Debit Card Fraud

Southern Missouri Bank of Marshfield and Visa® are working closely together to catch any fraudulent behavior and protect your account. There are also some simple things you can do. And remember, your Visa check card is backed by Visa’s Zero Liability policy, so even if your card or its number is ever lost or stolen, you won’t be responsible for unauthorized charges.

Protect Your Personal Identification Number (PIN):

Never write down your pin. Memorize it as soon as you get it.
Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.
Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links. Visa, your bank or any other legitimate online merchant will never ask for your PIN or other personal financial information via email.
At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.

Spot Suspicious Activity And Protect Your Account:

Review your monthly checking account statements to spot any unauthorized purchases. You can also monitor your account activity online at any time at https://myonlinebanking.somobank.com.
If you spot any unauthorized charges, please contact us immendiately at 417-859-1292 or 417-859-5592.
Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report.
You should contact the three credit reporting agencies listed below to notify them of any suspected fraud or identity theft.

Equifax® - 800-525-6285 or www.equifax.com
Experian® - 888-397-3742 or www.experian.com
TransUnion® - 800-680-7289 or www.transunion.com

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Important Information Regarding Compromised Debit Cards

We have recently been notified by Visa that some debit card numbers and PIN numbers may have been compromised due to information theft from the card processor, Heartland Payment Services, in New Jersey. Heartland Payment Services is not affiliated with Southern Missouri Bank of Marshfield in any way. Additional information on this data breach can be found at www.2008breach.com.

For the security of those individuals with compromised cards, we have decided to issue new cards and PIN numbers. When we are notified that a card has been compromised, we will send you a letter of notification. You should receive your newly issued cards and PIN numbers in the mail a few days after the notification.

When you receive your notification, the limit on your debit card will be reduced to $100 per day. This includes any PIN number transactions that you authorize. After about two weeks, we will close the compromised cards. Then you will no longer be able to use the old card. If possible we would appreciate it if you could return the old cards to the bank in person, but at the very least, you should destroy the card by cutting it up before disposing of it.

Please understand that this circumstance in no way affected Southern Missouri Bank of Marshfield, and that the bank had no control over what has happened. However, we are taking these necessary steps to protect you.

In addition, we will review your account for any transactions that seem unusual. However, we strongly recommend that you review your most recent statements and confirm that you recognize all Debit and ATM transactions. In addition, we highly suggest that you review account activity daily through our secure website. If you have not enrolled in our internet banking product (My Internet Banking), then please visit https://myonlinebanking.somobank.com. Also, you may come in to one of our facilities, and we will help you enroll.

We apologize for this inconvenience, but feel that it is in your best interest to take care of this situation as soon as possible.

If you have any further questions, please feel free to contact us.

As indicated above, we will be sending letters, and reissuing new cards and new PIN numbers to those that are affected.

Thank you,
Amy S. Wilkerson
Vice President/Information Security Officer

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	ATM Cards Debit Cards You Can Help Protect Yourself From Debit Card Fraud Important Information Regarding Compromised Debit Cards ATM Cards Having our ATM card is like having your personal teller. It’s there when you need it to complete a variety of transactions—without having to come directly to Southern Missouri Bank Of Marshfield. You can withdraw or transfer funds any time of day, anywhere one our many machines is located. Fast and Easy: Now there’s no need to drive across town to get cash or transfer funds form one account to another. One of our ATMs is probably close to where you work or shop. So, you can take care of your financial business, without taking a lot of time. Worry free when you’re out of town: No need to worry about running out of money when you’re out of town. Your card can be used at many ATMs around the country—or even around the world. Safeguarded if lost or stolen: When you receive your ATM card, you’ll also be assigned a personal identification number (PIN). It’s added security against someone making transaction without your consent. (Back to Top) Debit Cards Our card goes beyond conventional checking: Most checkbooks can only do one thing—checking. Our Visa Check Card does this and much more. Visa Check Card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write out a check. You can purchase groceries, gas, or anything else. Use your card wherever VISA debit card is accepted. Plus, Visa Check Card performs all the functions of an ATM card. It’s the checking-withdrawing-and-transferring funds card all in one. Fast and one-step easy: Forget having to round up your checkbook, a pen and two forms of identification. With Visa Check Card, every purchase is as simple as using a credit card. Worry free when you’re out of town: No need to worry about getting your checks cashed out of town. You may use your card wherever VISA debit card is accepted. (Back to Top) Provides all the advantages of an ATM card: Need to withdraw or transfer funds? No problem. Visa Check Card gives you access to all these services wherever you need them. Economical and ecological: Eliminate the need to purchase checks (and the risk of running out when you’re at the checkout). Visa Check Card saves money in check printing fees while it saves valuable resources. Safeguarded if lost or stolen: When you receive your Visa Check Card, you’ll also be assigned a personal identification number (PIN). It’s added security against someone making transactions without your consent. Just like balancing your checkbook: Every month in which a transaction is completed, you’ll receive an account statement that includes the date, location and amount of every transaction you made. So stop by the bank and see one of our friendly representatives to sign up for you Visa Check or ATM card today! (Back to Top) You Can Help Protect Yourself From Debit Card Fraud Southern Missouri Bank of Marshfield and Visa® are working closely together to catch any fraudulent behavior and protect your account. There are also some simple things you can do. And remember, your Visa check card is backed by Visa’s Zero Liability policy, so even if your card or its number is ever lost or stolen, you won’t be responsible for unauthorized charges. Protect Your Personal Identification Number (PIN): Never write down your pin. Memorize it as soon as you get it. Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN. Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links. Visa, your bank or any other legitimate online merchant will never ask for your PIN or other personal financial information via email. At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body. Spot Suspicious Activity And Protect Your Account: Review your monthly checking account statements to spot any unauthorized purchases. You can also monitor your account activity online at any time at https://myonlinebanking.somobank.com. If you spot any unauthorized charges, please contact us immendiately at 417-859-1292 or 417-859-5592. Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report. You should contact the three credit reporting agencies listed below to notify them of any suspected fraud or identity theft. Equifax® - 800-525-6285 or www.equifax.com Experian® - 888-397-3742 or www.experian.com TransUnion® - 800-680-7289 or www.transunion.com (Back to Top) Important Information Regarding Compromised Debit Cards We have recently been notified by Visa that some debit card numbers and PIN numbers may have been compromised due to information theft from the card processor, Heartland Payment Services, in New Jersey. Heartland Payment Services is not affiliated with Southern Missouri Bank of Marshfield in any way. Additional information on this data breach can be found at www.2008breach.com. For the security of those individuals with compromised cards, we have decided to issue new cards and PIN numbers. When we are notified that a card has been compromised, we will send you a letter of notification. You should receive your newly issued cards and PIN numbers in the mail a few days after the notification. When you receive your notification, the limit on your debit card will be reduced to $100 per day. This includes any PIN number transactions that you authorize. After about two weeks, we will close the compromised cards. Then you will no longer be able to use the old card. If possible we would appreciate it if you could return the old cards to the bank in person, but at the very least, you should destroy the card by cutting it up before disposing of it. Please understand that this circumstance in no way affected Southern Missouri Bank of Marshfield, and that the bank had no control over what has happened. However, we are taking these necessary steps to protect you. In addition, we will review your account for any transactions that seem unusual. However, we strongly recommend that you review your most recent statements and confirm that you recognize all Debit and ATM transactions. In addition, we highly suggest that you review account activity daily through our secure website. If you have not enrolled in our internet banking product (My Internet Banking), then please visit https://myonlinebanking.somobank.com. Also, you may come in to one of our facilities, and we will help you enroll. We apologize for this inconvenience, but feel that it is in your best interest to take care of this situation as soon as possible. If you have any further questions, please feel free to contact us. As indicated above, we will be sending letters, and reissuing new cards and new PIN numbers to those that are affected. Thank you, Amy S. Wilkerson Vice President/Information Security Officer (Back to Top)








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