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EMV "Chip" Cards help prevent fraud.
If you're wondering what that new gold chip is on your credit or debit card, you are not alone. It is a tiny piece of technology called an EMV chip that will make a big difference in card security. 


EMV chip cards are a major advancement in card security technology, with an embedded microchip that stores and generates the information required to authenticate, authorize and process transactions. EMV chip cards do everything the magnetic stripe on the back of your card does now, but the chip gives you added security benefits. Every time you use your card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This prevents stolen data from being fraudulently used. Community State Bank will begin issuing EMV enabled credit cards to our customers in November 2015.

Counterfeit Credit Cards on the Rise
Banking experts are reporting an increase in counterfeit card fraud in Wisconsin. Experts predict this trend will only increase over the next few months. While banks are already taking steps to counteract this sudden swell in criminal activity, what can consumers do to protect themselves during this surge in counterfeit card fraud?


Protect Your Card
Counterfeit cards are made by loading legitimate credit or debit card information onto a fake card. Protect your card's information by watching carefully for devices such as skimmers and by never writing down or giving out your PIN. If you shop online, be sure to only used trusted websites that have "https:" (not "http:") in the front of their URL. In addition, never access any website that transmits sensitive information (including shopping, online banking, etc.) from an unsecured Internet connection, such as the public Wi-Fi at a coffee shop.

Monitor Your Accounts
The other key to minimizing the damage caused by counterfeit card fraud is for consumers to monitor their accounts and set up account alerts. Check purchases made on your card using online banking or a mobile application frequently. If you only ever check your statement, you're only going to catch fraudulent purchases once per month. A better practice is to look every other day to see if someone has accessed your credit card information and used it to made fraudulent purchases.

Tell us you'll be traveling.
Make sure to let us know that you'll be traveling and where you're going. In order to protect customers against fraud, we monitor your normal spending habits, including geographic location. If out-of-area purchases suddenly show up on your account, the bank may flag or block those transactions as potentially fraudulent. Also keep these numbers handy in case you need to report a lost or stolen card. 

Emergency Contact Numbers


Lost or Stolen Credit Card

  • Credit Card: (800) 883-0131
  • Outside of United States: (813) 868-2891

Lost or Stolen Debit Card

  • Debit Card (866) 508-2693

CSB Customer Service

  • Identity Theft (262) 878-3763
  • Fraudulent Activity (262) 878-3763
  • Lost/Stolen Checkbook: (262) 878-3763


If you do notice suspicious activity on your card, notify your bank and credit card company immediately. The quicker you react, the sooner the bank can stop the fraud and ensure that you don't lose any money. Call the numbers above or use the number you have on your statement for the bank, not a number you may have received via email or text message (which is a common scam technique). Consumers can also visit www.GoChipCard.com to learn more about how EMV cards offer better security and how to use them.