For some time now, Iowa State Bank and SHAZAM have been working together to protect your debit card from fraud. In the past, you may have received a phone call from a SHAZAM Fraud Specialist to verify one of your transactions. Currently, those phone calls are made after the transactions has already occurred, in hope of halting further fraudulent transactions.

In the near future, we will enhance this service to begin monitoring debit card transactions as they occur and declining those with the greatest likelihood of fraud. We believe that this will provide a new and valuable layer of protection to your account.

In the future if your debit card is declined at a merchant location, one of the reasons may be that it was flagged as highly likely to be fraud, based on the way you typically use your card. If your transaction is declined for that reason, you'll receive a phone call from SHAZAM Fraud Specialist to verify the transaction. If it was a legitimate transaction, the details will be made part of your card profile so that these types of transactions have a greater chance of being approved in the future.

Iowa State Bank values the trust you have placed with us, and we will continue to look for new ways to protect your debit card. I you have any questions or concerns, please contact your local Iowa State Bank.