Security Tips

• When you receive your card, you should immediately sign the signature panel on the back.
• Never let anyone else use your card.
• Keep your card in a safe place - don't allow it to be bent or scratched and keep away from magnetic objects eg. purse clasps, work security passes.
• Always destroy cards when they expire by cutting them in half through the magnetic strip.
• Carefully discard receipts from card transactions and ATMs once you have checked these against your account statement. This will help prevent others acquiring information about you and your cards.
• Make sure you get your card back everytime you use it.

• Memorise your PIN - never write it down anywhere.
• Never disclose your PIN to any other person, including any additional cardholders, family members, bank staff or Police. Bank staff or Police will never ask for this information.
• Do not choose a PIN that is easily associated with you eg. your birth date, phone number or parts of your card number.
• Don't let anyone else see your PIN when you enter it at an ATM or EFTPOS terminal. This is called "shoulder surfing" and is the most common form of PIN disclosure.
• If you become aware of, or suspect your card or your PIN has been lost, stolen or disclosed, you should notify us immediately. Call us on 0800 406 406 (+64 6 968 3754 for international callers), or visit any bank displaying your credit card symbol.

• When using your card to purchase on-line, look for reputable Internet stores. If you are unsure, request more information from them about the company and the goods and services they are selling.
• Check that the on-line merchant or store has a return and refunds policy.
• Always use a secure browser connection when entering credit card details on-line. Check that a locked padlock or unbroken key symbol is shown in the bottom right of your browser window or the site has a URL that starts with "https".
• If you have to use a password to access a service, make sure this isn't easily identifiable and don't disclose it to anyone.
• If you make an on-line purchase, print out a copy of the transaction for your records. This will make it easier to check against your credit card statement.

• Regularly check your credit card account balance. If you suspect there are fraudulent transactions on your account, call us immediately.
• At work, keep your bag and other personal belongings locked in a cupboard or drawer.
• Only give your credit card details when making a purchase - do not provide them for any other reason.
• Don't give your card number or PIN number over the telephone to 'cold' callers. Only make the telephone transaction when you have initiated the call and you are familiar with the company.
• Never send your credit card number via e-mail. If you have access to a facsimile machine, send a fax order with your credit card number included. This method is more secure than e-mail.
• When you are planning a holiday make sure you have the emergency 24-hour telephone numbers for your cards with you, so you can report any theft or loss immediately.
• When you're overseas, always keep an eye on your TSB Bank VISA card. Don't let your card out of your sight, and never leave cards unattended in a hotel room, at the beach or in a parked car.

• Observe your surroundings before using an ATM. If the machine is obstructed from view or poorly lit, visit another ATM.
• Take a friend with you - especially at night.
• Have your card out and ready to use.
• Shield the screen and keyboard so anyone waiting to use the ATM cannot see you enter your PIN or transaction amount.
• Put your cash, card and receipt away immediately. Count your money later, and always keep your receipt.
• If you see anyone or anything suspicious, cancel your transaction and leave immediately. If anyone follows you after making a transaction, go to a crowded well-lit area and call the Police.
• When using an enclosed ATM that requires your card to open the door, avoid letting strangers follow you inside.
• When using a drive-up ATM, make sure all passenger car doors are locked and windows are up.
• Do not leave your car unlocked or engine running when you get out to use an ATM.
• While many ATM's are available 24 hours a day, some may be open only during local business hours. To be on the safe side, plan your withdrawals ahead of time.

• TSB Bank VISA cards may be used in overseas ATM's displaying the VISA logo.
• ATM withdrawals overseas are dispensed in local currency and are debited from your account in NZ dollars, based on the exchange rate. A fee may also apply.
• There is a daily limit of NZ$1,000. Transactions above this limit, once converted to NZ dollars, will be declined. For example this will be about $795 Australian at an exchange rate of 0.7953.