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Mastercard^® Debit Card Benefits

Protect your money and data while staying in control of your spending. Your debit card is built for Convenience, Control, and Security.

• Use your Dedham Savings Mastercard^® Debit Card worldwide for purchases and ATM withdrawals, with every transaction automatically recorded from your checking account.
• Manage your card in the Dedham Savings mobile app with Card Controls. Get real‑time alerts, monitor activity, and lock your card if it’s lost or misplaced.
• Contactless chip technology creates a unique code for each transaction, helping protect against fraud.

Mastercard^® Zero Liability

• With Mastercard^® Zero Liability Protection, Dedham Savings will not hold you responsible for unauthorized purchases made in store, over the phone, online, or via a mobile device.
• As a cardholder you will not be held responsible for unauthorized transactions if you have used reasonable care in protecting your card from loss or theft and you promptly reported the loss or theft to Dedham Savings.
• For additional protections with respect to unauthorized transactions please contact Dedham Savings.

Note: Mastercard^® Zero Liability does not apply to certain commercial cards, or unregistered prepaid cards, such as gift cards.

How We Protect Your Account

To protect your account, we monitor your ATM and Debit Card transactions for potentially fraudulent activity, which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas or in another state), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or Debit Card use, we’ll be calling, texting or emailing you to validate the legitimacy of your transactions. Calls, SMS Text Messages* and emails are made 7 days a week between 8am and 9pm. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

• Our automated call or text will ask you to verify recent transaction activity on your card
• You’ll be able to respond via your touchtone keypad
• You’ll also be provided a toll-free number to call should you have additional questions.
• Automated calls will only include a request for your ZIP Code, and no other personal information, unless you confirm that a transaction is fraudulent. Only then will you be transferred to an agent who will ask questions to confirm their identity before reviewing your transactions.
• Automated calls won’t ask for non-public personal information such as social security number, account number, debit card number or the 3-digit security code on the back of a card.
• Our text alert will always be from a 5-digit number and NOT a 10-digit number resembling a phone number
• Our text messages will NEVER include a link.
• Our text will include transaction detail and ask you to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop” only.
• If you receive a voice or a text message from us and are unsure about responding to it, please call our Contact Center at 781.329.6700, 8:00 – 5:30 Monday to Friday, Thursdays ‘til 6:00, and Saturdays 9:00-1:00.
• Fraud Alert emails are generated 8:00 AM – 9:00 PM 7 days a week.

Our goal is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, keep us informed of your correct phone number and address at all times.

Automated phone calls and SMS text messages will provide an option to opt out of the service. You may also opt out verbally by contacting any Branch or calling our Contact Center at 781.329.6700. If you have previously OPTED OUT of SMS Text Messages, to enroll again please visit your local branch or contact the Contact Center by calling 781.329.6700

If you are traveling anywhere, please inform us of your travel plans so we do not suspect transactions made out of the state or country as fraudulent transactions and place restrictions on your card. You may contact our Contact Center at 781.329.6700 or email us.

Protect Yourself

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud.

1. Unless absolutely required for a legitimate business purpose, avoid giving out your address and zip code, phone number, date of birth, Social Security number, card or account number or card expiration date.
2. Your PIN is private; never give it out.
3. In stores and at ATMs, always cover your card and PIN, and watch for cell phone cameras, mirrors, or other tools used to view cards and PINs; people watching your transactions; cashiers taking your card out of sight (take it to the register yourself); any unusual activity at ATMs (if you feel uncomfortable, go to another ATM).
4. Online, you should never respond to unsolicited emails that: ask you to verify your card or account number (such emails are not sent by legitimate businesses) or link to websites that can look legitimate but may collect data or put spyware on your computer.
5. As always, please feel free to call our Contact Center at 781.329.6700 if you have any questions.