New Debit Card Fraud Tool
Visa® 3-D Secure
QNB Bank has a new fraud protection service called Visa® 3-D Secure (3DS), that adds an additional layer of security for online shopping purchases made with your QNB Bank debit card.
How Visa®3DS Works
The 3DS system is set up to look at suspicious patterns of transactions. The transaction can follow one of three paths:
- Green – low risk; the transaction is automatically approved
- Red – high risk identified; the transaction is denied
- Yellow – medium risk; the customer must complete a multi-factor authentication by receiving and entering a one-time passcode for the transaction.
Customers will be presented with the method they want to receive the one-time-passcode (OTP). Once selected, they will be sent to the customer's contact information on file at QNB Bank. The options include SMS text, email, or phone call. (Message and data rates may apply.)
Fraud Tip: QNB Bank representatives will never ask you for your passwords, passcodes, PINs, debit card numbers, or expiration date.
If the online purchase activity isn’t deemed suspicious through the 3DS system, it will be approved or denied through the normal Visa® and banking approval process. If 3DS rules are triggered, the cardholder will be asked to authenticate the transaction. Cardholders will receive a popup message with our bank logo in the upper left corner. Customers will have three attempts to authenticate themselves. If there are three failed attempts, the cardholder will be directed to contact the bank.
If no 3DS rules are triggered, or if a 3DS rule specifically allows the transaction, it is allowed. After passing through the 3DS system, the transaction is also evaluated by the Card Fraud Center, which may prompt another layer of validation. If the customer is registered in MyCardRules™, those self-established parameters would still apply.
Customers who experience a failed authentication may contact the Bank for additional support. Our Customer Service Center is available by phone at 215-538-5605 or 800-491-9070, by email at [email protected], or by utilizing the chat feature found on this website.
Additional Fraud Protection
QNB Patrol
Online and Mobile Banking session security service
Consumer & Business Fraud Education
Protect yourself and your business from fraud and scams by staying informed. Visit our Fraud Education pages to learn how to identify common schemes, safeguard your accounts, and take proactive steps to avoid becoming a victim. Explore valuable resources and tips tailored for both individuals and businesses:
