Fraud Prevention

Financial Peace of Mind

QNB Bank proudly offers round-the-clock fraud prevention services to all QNB Debit Card holders through automatic fraud monitoring, Visa® 3-D Secure for online shopping, and optional card management tools. We also provide monitoring to protect online banking sessions from fraudulent activity along with online and mobile banking alerts.

Hands typing secure login credentials on laptop

Debit Card Fraud Monitoring

A Fraud Center automatically monitors your QNB Debit Card transactions 24/7 to identify potential fraud. If potential fraud is detected, you will be contacted by SMS text, email, or phone and asked to verify whether the transaction was fraudulent or valid. You will NEVER be asked for your private personal information. You will only be asked to identify if you did or did not make a transaction with your QNB Debit Card.

Visa® 3-D Secure

QNB Bank provides a 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.

Debit card online shopping security

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:

  1. Green – low risk; the transaction is automatically approved
  2. Red – high risk identified; the transaction is denied
  3. 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.

MyCardRules™ App

Take Full Control of Your Cards

Managing debit card fraud is easy with the MyCardRules™ Mobile App. You are in full control of your QNB Debit Card; the app allows you to:

Turn your card off to stop all transactions and turn it back on when you want to use it.

Control when and where your cards are used.

Set up real-time alerts to keep you informed when your cards are used.

Stop certain types of transactions.

MyCardRules gives you the flexibility, certainty, and security you need at the touch of your fingers, right from your mobile device. Get started today by downloading the MyCardRules app from the App Store® or Google Play™.

Learn More

QNB Patrol

QNB Bank offers a fraud protection service, QNB Patrol, which detects potentially fraudulent online banking sessions in real-time.

online banking session security

How QNB Patrol Works

The system is set up to examine QNB Online Banking Users' typical login behavior and compare it to historical login activity and knowledge. If the login behavior falls into the category of "suspect," and the activity is considered high-risk, the system will require the User to provide additional authentication by receiving a Secure Access Code (SAC), a one-time numeric passcode before high-risk tasks can be completed.

How will a User be contacted when suspect activity is detected?

If QNB Patrol identifies the login activity as suspect and high-risk, it will require additional User validation. The SAC is sent to the User's contact information on file at QNB Bank. The options include SMS text or phone call*. TIP: It is vital that you keep your contact information up-to-date at QNB Bank.

*Message and data rates may apply.

What happens if QNB Patrol cannot validate the User's access?

If the system cannot validate the User or determines that the attempt to log into their online banking profile is fraudulent, the system will block the high-risk activity from being completed.

Keep Your Info Up-to-Date

To review and update your contact information in Online Banking and Mobile Banking, you have options:

Call the Customer Service Center: Contact QNB during business hours and speak to a representative.

Self-Service: Click on Menu > Services > Address Change and click Submit to save your changes. When entering or updating your phone number, the system requires both home and mobile numbers. If you do not have a home number, enter your mobile number in both places or vice versa. 

Visit any QNB Bank Branch Office: For in-person support, stop by any of our 12 conveniently located branch offices.

To protect our customers and allow processing time, contact changes may take up to 48 hours.

What if I Have Questions or Need Assistance?

Users who experience a failed OTP authentication may contact the Bank for additional support. Customer Service Center contact information is below:

    • 215-538-5600 (main number with an auto attendant with dial-by-number options)
    • 800-491-9070 (toll-free with an auto attendant with dial-by-number options)
    • 215-538-5605 (direct dial into the QNB Bank Customer Service Center)
    • QNB Chat found on this website.

Online & Mobile Banking Alerts

Create alerts through QNB Online & Mobile Banking; you specify the conditions that trigger that alert, so you stay on top of what is important to you.

To add an alert in Online & Mobile Banking, open the main menu, choose the “Settings” tab, and select “Alerts”. From there, select the “+ New Alert” button to create a new account alert, history alert, transaction alert, or reminder.

You can also toggle on/off the built-in Security Alerts for your accounts. Security Alerts notify you immediately when security scenarios occur, i.e., change in user profile, password or login ID change, and more!

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:

Consumer Fraud Education
Business Fraud Education

FAQ's

Debit Card Fraud Monitoring FAQs

Q: What must I do to enroll or register for this fraud monitoring service?
A: All transactions on your QNB Debit Card will automatically be monitored 24/7 to identify potential fraud. All we need from you is a current phone number on file. To make sure we have your current phone number on file or to update your phone number, please call our Customer Service Center at 215-538-5605.
Q: What is the fee for the automatic debit card fraud monitoring service?
A: There is no fee.
Q: How will I know whether or not the call is legitimate?
A: All Fraud Center calls will originate from an 800 number. Keep in mind, the Fraud Center will never ask you to give your card's number, expiration date, PIN, or CVV. Never give out your personal private information (i.e., full social security number, bank account numbers, usernames and passwords) no matter how legitimate the request may sound.
Q: What happens to my debit card if you are unable to reach me?
A: While we do not wish to cause you any inconvenience, our primary objective is to protect the security of your account. Therefore, if we are unable to verify the suspicious activity on your account, the transactions may be rejected and your card may be temporarily blocked from future transactions.
Q: What should I do if I plan on traveling internationally?
A: If you are planning an international trip, please contact our Customer Service Center beforehand at 215-538-5605 and let us know what international destination(s) you will be visiting. This will allow us to place an alert on your card to permit transactions in these specified travel areas.
Q: Is my QNB Credit Card monitored?
A: Your QNB Credit Card through Elan is monitored by Elan's fraud protection.

MyCardRules App FAQs

Q: What is MyCardRules?
A: MyCardRules is an easy-to-use mobile app that lets you set card controls, add transaction restrictions and receive transaction alerts within minutes.
Q: Why is it a better way to manage my cards?
A: You can conveniently manage your card from your mobile device. You will have complete control of how, when and where your QNB Debit Card is used. By establishing rules, restrictions and alerts that meet your unique spending preferences and habits, the application adds an extra layer of fraud prevention – and peace of mind.
Q: Is the app secure?
A: Yes, managing your cards with MyCardRules is safe and secure. Your account is password protected and highly encrypted.
Q: What is the fee for this service?
A: There is no fee to use MyCardRules.
Q: How do I get started?
A: After you download the MyCardRules app, select “New User” and then enter your card information to begin the registration and login process.
Q: What do I do if a transaction is not valid?
A: If a transaction is not valid, you are responsible for contacting QNB Bank to report fraudulent QNB Debit Card transactions.
Q: How many QNB Debit Cards can I register for MyCardRules?
A: You may enroll up to ten QNB Debit Cards.
Q: What if I receive a text alert for an amount higher than what I authorized from a gas station or restaurant?
A: Some gas stations will process a pre-authorization for an amount greater than what was actually pumped. The correct amount will be debited from your account. In addition, some restaurants will process a pre-authorization for an amount greater than the bill amount and the tip. The correct amount will be debited from your account.
Q: What if I am traveling out of the country?
A: You would need to notify QNB Bank prior to international travel. In addition, you should enable international “location controls” within the MyCardRules app and add the country(s) that you plan to visit.
Q: I lost my QNB Debit Card. Can I turn it off within MyCardRules?
A: Yes. In the MyCardRules app main screen, you will see an image of your QNB Debit Card – simply use the toggle feature to slide the toggle to the “off” position. Once you find your QNB Debit Card you can slide the toggle to the “on” position to turn your QNB Debit Card on. If you are unable to locate your card, contact QNB Bank or visit a QNB Bank branch to have your card permanently closed and to obtain a new card.
Q: What if I receive a new card?
A: You can add a new card easily within the MyCardRules app. Swipe your registered cards to the left until you see the "+ Add Card" button. Be sure to delete/remove the old card AFTER you have added the new card. If you delete the old card first, you will lose your username/password with MyCardRules and will have to recreate an account.
Q: What if I need help regarding the MyCardRules service?
A: You can utilize the "Help" functionality built into the app's main menu or you can contact our Customer Service Center at 215-538-5605.

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