How Your Transactions are Protected
Identity Theft Protection
Consumers are protected in a number of ways against unauthorized electronic transactions, but it’s very important to do your part. These protections do not apply to business accounts:
Report lost or stolen debit/ATM cards within two business days.
If you lose your debit/ATM card (or other access device) report it immediately. By contacting your financial institution within two business days of discovering the loss, you limit your liability to $50. Waiting more than two business days to report the loss increases your liability up to $500.
Important! Review your statement every month.
If you find an unauthorized electronic transaction, you have 60 days to report it to your financial institution in order to limit the amount for which you are liable. If you wait more than 60 days you become liable for the unauthorized transactions. So review your statements every month and report any suspicious activity immediately.
The security of your money and identity is as important to us as it is to you. Let's work together to protect it.
Who is FIBT?
First International Bank & Trust (FIBT) is a full-service, family-owned, independent community bank serving a wide range of communities across North Dakota, South Dakota, Minnesota, and Arizona.