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Security Alert: Card Cracking

Among the various types of bank fraud schemes, card cracking is becoming popular and places bank customers at risk of becoming accomplices in criminal activity. 

Card cracking occurs when a bank customer responds to a solicitation for easy money in exchange for their banking information. 

A typical card cracking scenario can occur as follows:

  1. Customer responds to an online or social media post promising quick money
  2. Customer provides fraudster their online or debit card information including PIN number
  3. Fraudster uses card to deposit a counterfeit or altered check via an ATM
  4. Fraudster uses card to withdraw the available funds from the deposited check
  5. Fraudster provides a portion of the funds to the customer
  6. Fraudster instructs customer to file a Reg E claim indicating they have lost their card or had it stolen
  7. Bank reimburses the customer the funds from the counterfeit or altered check which by that time has been returned unpaid
  8. The customer has become an accomplice to bank fraud

This infographic from the American Bankers Association is a helpful resource to become familiar with this type of scheme.  

If you believe you have become a victim of card cracking, please contact us immediately at 703-584-3400. 


Source: ABA