Credit and Debit Card Security

The convenience of credit and debit cards have changed the way we do business and become a preferred way of purchasing for many. Huntington credit and debit cards are accepted by most stores, eliminate the need to carry cash, and are often easier to use than a check. At the same time, physical cards and card information have become prime targets for criminals. Since this will continue to be a growing issue of concern for consumers and the financial services industry alike, Huntington has developed a checklist of the latest security tips and recommend that you implement each of these safety precautions to protect your credit and debit card information.
General Precautions
  • Activate and sign the signature panel on your credit and debit cards as soon as you receive them.
  • Always keep your credit or debit card in a safe and secure place.
  • Keep a record of all your card account numbers in a safe and secure place and include the customer service numbers to call if your cards are ever lost or stolen.
  • Only have as many cards as you need and carry as few as possible, while keeping seldom used cards in a safe place and destroying unused and cancelled cards.
  • If you receive a replacement card, destroy your old card. If you are expecting a new or re-issued credit card and do not receive it, contact Huntington immediately at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.
  • Shred all credit card applications you receive and any documents containing your credit or debit card number. • Never lend a credit or debit card to anyone as it can increase the risk of improper user and theft.
  • Never write your card number on personal checks used to make credit card payments.
  • Never provide credit or debit account information to anyone over the phone unless you initiate the call and you know the company is reputable. Legitimate companies do not call you to ask for card numbers over the phone. Huntington will never reach out to you in this way to request sensitive account information.
  • If you plan to move, notify Huntington in advance of your change of address. • Regularly obtain your credit report, and make sure everything appears correct.

If you believe you have been a victim of fraud related to your Huntington credit or debit card, notify us immediately at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.

PIN Care & Maintenance
  • Ensure the Personal Identification Number (PIN) you select is unique and not easily identifiable (e.g. birth date, last 4 digits of SSN, etc.). If you own multiple cards, use different PIN numbers across your cards.
  • Do not write your PIN number on your card or keep these numbers in your wallet or purse.
  • Do not store your card or PIN numbers within your smart phone as mobile devices are also common targets for thieves.
  • If you have forgotten your PIN or would like to select a new one, please contact Huntington at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.
ATMs & Retail Locations
  • Use ATMs with surveillance cameras and be aware of people and your surroundings. Shield the ATM keypad with your hand or body while entering your PIN to prevent others from viewing your PIN and potentially using it to gain access to your information later.
  • Secure your card and cash after completing your transaction and before exiting the ATM area.
  • Shop with merchants you know and trust.
  • Keep an eye on your credit or debit card every time you use it, and make sure you get it back along with a receipt.
  • Never sign a charge slip without totaling the receipt and making sure to draw lines through unused spaces.
  • Use Apple Pay™. Paying with Apple Pay is private as the retailer never sees your name, card numbers or security code. Apple Pay stores your eligible physical credit and debit cards as virtual cards. A virtual card has a different number (Device Account Number) than your physical credit and debit card, so your card information won’t be accessible from your digital wallet if your mobile device is either lost or stolen. Payments can be conducted at merchants simply by holding up the phone to the contactless reader. Alternately, payments can be made within apps on the iPhone using a single touch.
Online
  • Never respond to emails that request your credit or debit card information or verification of your personal information via email or a website. Huntington does NOT initiate emails seeking personal information such as account numbers, card PINs and Social Security numbers. If you receive a suspicious email, please forward it to us at idtheft@huntington.com or contact us at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.
  • Do not send your credit or debit card information through email.
  • Never provide your credit or debit card information on a website that is not secure. While no indicator is a guarantee, check for indicators such as a website URL that begins “https:” (the "s" stands for "secure") and a lock icon in the window of the browser (NOT in the web page display area).
  • Shop with merchants you know and trust. Read their privacy policy and find out what security features are in place to protect your transaction.
  • After completing a purchase transaction make sure to logout from the website. If the website does not provide a logout option shut down your browser and clear the browser history and cookies to prevent unauthorized access to your card information.
  • Use Apple Pay™. Paying with Apple Pay is private as the retailer never sees your name, card numbers or security code. Apple Pay stores your eligible physical credit and debit cards as virtual cards. A virtual card has a different number (Device Account Number) than your physical credit and debit card, so your card information won’t be accessible from your digital wallet if your mobile device is either lost or stolen. Payments can be conducted at merchants simply by holding up the phone to the contactless reader. Alternately, payments can be made within apps on the iPhone using a single touch.
  • Consistently validate that each of your computers has up-to-date software installed including operating system, anti-virus and a current browser. Ensure your anti-virus is enabled and performing scans on a regular basis.
Statements & Receipts
  • Check your statements regularly and monitor your card for unusual transaction activity. Report any unauthorized transactions immediately. To report suspicious card activity, or lost/stolen cards, please contact Huntington at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.
  • Go paperless with Online Banking. Paper financial statements delivered to your mailbox often include your name, address and account numbers — information you don't want to land in the wrong hands. Checking your balances and viewing your account statements online is safer than having information sent through the mail and can reduce the risk of identity theft.
  • Keep all your credit card receipts and compare them to your account statement. Treat your credit card statement like your checking account statement and reconcile it monthly. Once you have reconciled your statements, shred all receipts and discard them at home.
  • If your credit card statement does not arrive as expected, contact Huntington at 1-800-480-BANK (2265) 24 hours a day, 7 days a week. A missing statement could mean an identity thief has taken over your account and changed your billing address to cover their tracks.
Reporting & Resources

Regularly review account statements and credit reports as you are in the best position to identify suspicious card activity in your account. If you believe you have been a victim of fraud related to your Huntington credit or debit card, notify us immediately at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.

  • Report a lost or stolen card at 1-800-480-BANK (2265) 24 hours a day, 7 days a week.
The law requires each of the major nationwide consumer reporting agencies to provide you with a free copy of your credit report, at your request, once every 12 months.
  • To order your free annual report from one or all the national consumer reporting companies:
  • Or complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service,
P.O. Box 105281,
Atlanta, GA 30348-5281. You can print the form from ftc.gov/credit.
Do not contact the three nationwide consumer reporting companies individually; they provide free annual credit reports only through:  To buy a copy of your report, contact:

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24 hours a day, 7 days a week. 1-800-480-BANK (2265)