Fraud Defense

Every day, thousands of people fall victim to fraudulent emails, texts, and calls from scammers pretending to be their financial institution. We want to change that. Our accountability is to our members. In the moments that matter, Envista is there for you.

Amid life's uncertainties, Envista stands as a pillar of trust and reliability, safeguarding your every moment with unwavering security and confidence. We’ve put together some helpful tips to educate and protect you. When in doubt, reach out. Ask us if you are unsure about a situation. We are here to help.

 

How to Report Fraud

To report fraudulent activity on your account:

  • Call Envista at 785-228-0149  

To report fraudulent activity on your debit card or credit card:

  • During Business Hours: Call Envista at 785-228-0149  
  • During weekend or evening hours: Call Falcon Fraud Protection Center at 1-855-961-1602

If reporting fraud outside of business hours, please visit or contact Envista the next business day to get replacement cards and/or start any necessary dispute processes.

To report lost or stolen:

  • Credit Card: Call 1-800-991-4965
  • Debit Card: Call 1-888-263-3370
  • Money Order: Call 1-800-666-3947

 

Top Tips for Fighting Fraud

  1. Do not share your Online Banking username, password or one-time passcodes. This is critical.
  2. Use alerts and notifications in Online Banking. Set transaction alert preferences to send alerts for all transactions.
  3. Be careful with your card information. Use your cards wisely and do not give out your security info unless you trust the merchant.

Learn more about Card App

Fraud Red Flags

Take caution if...

  • They use urgent or fear-inducing language.
  • They request your information like one-time codes, Login ID, passwords and social security numbers.
  • They ask you to click on a link.
  • They use misspelled words and/or odd grammar.
  • They use spoofed phone numbers or email addresses to mimic financial institutions.
  • Someone you don't know is asking you to purchase gift cards, send a wire, purchase bitcoin, etc.
  • You're being asked to reinvest your money in bitcoin or send money elsewhere due to a "compromised account."
  • Someone is coaching you to withdrawal cash and tell Envista false information.

The first step to fighting fraud is to simply pause and evaluate.

When in doubt, reach out.

 

Common Scams

We want you to be informed and prepared. We've put together a few resources to help you recognize the signs of fraud. Your financial security is our priority - watch our video series to remain vigilant and and learn how to protect your online accounts and personal information.

Account Takeover Scams

Commonly, account takeovers happen through phishing. This is when cybercriminals use misleading emails, social media posts, phone calls, texts, or DMs that lure you to click on a bad link, download a malicious attachment or share your information. If you take the bait, the hackers can get access to your device or account.

                

Credit & Debit Card Fraud

Credit and debit card fraud involves the unauthorized use of another person's card information to make purchases from their account or access their funds.

Card fraud occurs through a variety of channels: online scams, card or mail theft, and password harvesting are some of the most common.  Know how to defend yourself and rest assured Envista is continually monitoring for threats and suspicious activity. As a conscientious consumer, there are a number of things you can do to protect yourself as well.

Be Careful with Your Card Information

  • Carry only the cards you need so there is less for a potential thief to take and fewer cards you'll have to freeze if your wallet is lost or stolen.
  • Utilize mobile wallet as a card backup.
  • Shred documents containing personal information.
  • Never give your account number to anyone on the phone unless you initiated the call to a company you know to be reputable.

Use Your Card Wisely

  • Never sign a receipt leaving lines, such as the total, blank. The information on a blank receipt may be changed after you've already signed it. Drawing a line through any blank spaces may help.
  • Watch your card during a transaction and make sure you get it back.
  • Look for irregularities with an ATM, gas pump or other card reading device before using it, especially with the card slot. If it looks odd, it may be a skimmer used to capture your card information. If you notice it after you've inserted your card, alert the card issuer.
  • Be cautious when using your cards online. Only enter information on websites you're 100 percent sure are legitimate or use a third-party site when you can.

Set Travel Alerts

If you plan to travel internationally or domestically, you can add travel notifications as an added safeguard. Setting a travel notice provides our fraud monitoring notice that your spending habits will change. This allows you to continue to use your cards on your trip while alerting if transaction happen outside of your travel plans. Please call 785-228-0149 and be sure to provide the location and dates of your travel, including layovers if you'll have connecting flights.

Other Scams

 

Here's How We're Protecting You

Using state-of-the-art fraud prevention systems, your account is monitored for fraud and unusual activity and you will be notified of any suspicious activity. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, Visa's Zero Liability policy ensures that you won't be responsible for unauthorized charges to your account.

Envista has partnered with Falcon Fraud Protection to safeguard your debit and credit cards against fraud. Your card activity is monitored 24 hours a day, 7 days a week. If suspicious activity occurs, a text, email or call is made to the contact Envista has on file for you. It is extremely important for us to have a current phone number and email where you can be contacted. If you ever get a call from Falcon, know that they are doing their job to prevent potential fraudulent use of your card. They will ask you several questions to help identify you.

Please note that you will NEVER be asked to provide any of the following information:

  • Your full card number
  • The expiration date on your card
  • Your card's PIN number
  • The CVC code on the back of your card
  • Your full social security number 
  • Your online banking credentials (login, password or one time passcode)

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Q: What is Falcon fraud monitoring?

A: Falcon is a service we utilize to monitor signature-based credit card transactions for fraudulent activity.

Q: Do I have to enroll with Falcon to have my cards monitored for unauthorized or fraudulent activity?

A: No. Falcon monitors all Envista cards for fraud. No enrollment is required.

Q: Is there a cost for the Falcon monitoring service?

A: There is no cost for this service and all Envista cardholders are covered by this service.

Q: What types of transactions are considered suspicious or fraudulent?

A: Falcon monitors and analyzes transactions and assigns a rating to the transaction. Based on your normal spending patterns, if a questionable transaction is detected on your Envista debit or credit card, Falcon will contact you to verify the transaction. In some cases, the transaction may be declined at the point of purchase if the fraud rating is high.

Q: How will I be notified if a transaction is considered suspicious or fraudulent?

A: If fraudulent activity is detected, Falcon will attempt to contact you via text or email. Should you not have a mobile number or email on file, Falcon will call the primary number on file. Texts and emails sent by Falcon will not contain a link. Messages will only ask you to reply yes or no. Upon replying ‘no’ Falcon will not call you, rather they instruct you to call Envista directly.

Q: Will I still need to monitor my account on my own?

A: Yes, although Falcon does detect a great deal of fraud, it cannot detect all fraud.  Monitoring your accounts daily is the best way to protect all of your accounts from fraud. 

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Additional Resources

To learn more about identity theft and ways to protect your identity, please visit these resources: