Customers with a Canandaigua National Bank & Trust MasterCard Debit Card are automatically protected by EnFactSM – no enrollment needed.
EnFact is a Fraud Detection Program that monitors debit card and ATM transactions for potentially fraudulent activity. This activity may include a sudden change in locale, a sudden string of costly purchases, or any pattern associated with new fraud trends seen around the world. If fraudulent ATM or debit card use is suspected, we will call you to verify the authenticity of your transaction(s).
For your protection:
- Our automated call will ask you to verify recent transaction activity on your card.
- You will be able to respond via your touchtone keypad.
- You will also be provided a toll-free number to call should you have additional questions.
If we are unable to reach you, we will leave you a message supplying a toll-free phone number and a 6-digit personal message code for you to respond to the call. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your debit card.
To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.
If you will be using your debit card while traveling, please contact us to let us know the dates and destination, so that we can provide this information to Fraud Prevention Services in order to prevent your card from being blocked due to "out of the ordinary transactions."
We strongly encourage you to verify your contact information to ensure that you are able to be reached in the event of suspected fraudulent activity. Please visit your local Canandaigua National Bank & Trust bank office and speak to a representative, or send a secure message within Online Banking containing your current information. In the subject line of the message, please indicate: Current Contact Information.
You may not know it, but you have round-the-clock protection against the increasingly savvy perpetrators of debit card fraud. That's because the debit cards we issue are protected by EnFact.