Important Information for
Check Card Users

Helpful Information So You Can Use Your Check Card When You Want To

To combat Check Card Fraud, INSOUTH Bank uses industry leading technology to help identify and prevent suspected fraudulent Check Card activity. However, occasionally it is necessary to block signature based (credit) check card transactions in other states, foreign countries, and at various merchant locations where fraudulent activity is prevalent. We take these preventive actions very seriously in order to protect INSOUTH Bank account holder’s funds. We apologize for any inconvenience this may cause, but assure you that this action is taken to protect you and your account.

Fraud Prevention Services (7 days a week/24 hours a day)

HotCarding Services

International Hot Card

To Help Prevent an
Interruption in Check Card Access:

  • Use Your PIN

    If your card is denied, use your PIN. When necessary, INSOUTH Bank will block certain transaction types involving your check card. These transactions are usually concentrated to a particular vendor or type of merchant. In most cases, you will able to process PIN based transactions, referred to by most merchants as “Debit”.

  • Let Us Know

    Let us know if you are traveling domestically or internationally. Contact the E-Banking Department at 1-866-348-3614, Mon-Fri, 8:00AM-5:00PM. We will notify our Fraud Detection service and reduce the likelihood that your transactions will be blocked. Take other forms of payment in case your check card is Lost or Stolen.

  • Make Sure Your Info Is Updated

    Make sure your contact information is up to date. Representatives from our Fraud Detection service may call you if there has been any suspicious activity with your check card. It is important we have the best phone number on file to reach you in the event that you have a transaction blocked – in most cases, your mobile number. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.