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Pathfinder Bank cares about your safety and security and we want to assure you that we take every step possible to protect your personal and financial information. Click on the tabs below to learn about the various services and security features we provide.



Through our partnership with Fiserv, all of our Visa Debit Card customers are automatically enrolled in Enfact, a free 24-hour security protection service. EnFact from Fiserv monitors your ATM and Visa Check card transactions for potentially fraudulent activity. These activities may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent ATM or debit card use, we'll be calling you to validate the legitimacy of your transactions.

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. 

  • Our automated call will ask you to verify recent transaction activity on your card.
  • You'll be able to respond via your touchtone keypad.
  • You'll also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. You can easily review your account statements by using our online or mobile banking, both of which are available 24/7.

The Enfact, (FREE 24 Hour Service Access) number is 800.472.3272 and can be located on the back of your Visa Check Card. Please do not hesitate to contact your local branch office or our Electronic Commerce department at 315.343.0057 with any questions or concerns.

EMV Chip Cards

Pathfinder Bank will soon begin reissuing enhanced-security debit chip cards to you and other cardholders.

These high-tech cards that are accepted in the U.S. and around the world contain an embedded computer chip that adds a new layer of protection against fraud for purchases made at the point of sale and when used at ATMs. Information programmed into the chip is personalized for your account and each transaction at a chip-enabled terminal generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting.

Using a chip card is easy:

  1. Insert your card, face up and chip end into the chip-enabled terminal. 
  2. Leave the card in the terminal during the entire transaction.
  3. Follow the instructions on the screen and either sign your name or enter your PIN as needed. Be sure to remove your card and take your receipt when the transaction is complete.

You'll make payments online or by phone the same way as you do today.

While some merchants have already installed chip-enabled terminals, the entire conversion process is expected to take a few years to complete. That's why chip cards will continue to have a magnetic stripe on the back. That way, if a merchant's terminal or an ATM is not yet chip-enabled your transaction can still be processed by swiping the magnetic stripe the same way you do today.

There is no need to request a new card and there is no extra charge. You'll automatically receive your new chip card in the mail before your current card's expiration date. Once your new card arrives, be sure to activate it for use and then destroy your old card. 


CardValet gives our personal and business debit cardholders the ability to actively manage their debit card usage by defining when, where and how their debit card is used.

Getting started is easy. Simply download the free CardValet app to your mobile device then customize usage settings and alert preferences. Your card, your terms!

Learn more about how CardValet can help you!

How You Can Protect Yourself

Keep us up-to-date with your contact information

When banking with us (either online or in person), make sure that your contact information is correct and up to date. Having your current phone number and address will help us better contact you during incidences involving fraud on your account.

If you want to update or correct any personal information we hold about you: Stop into one of our branches, call us at (315) 343-0057, or sign on to Online Banking and edit your information under “Other Services”. 

Regularly review your account statements

Check your statements frequently to verify that the transactions properly reflect the amounts you have authorized. You can check your statements easily through our online or mobile banking, both of which are accessible 24/7. 

If your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the paper statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.

To notify us, call the Pathfinder Bank Electronic Commerce Division at 1-800-811-5620 or 315-207-8042, or write Pathfinder Bank, 214 West First Street, Oswego, NY 13126.

Protect your information

Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and ZIP code
  • Phone number
  • Date of birth
  • Social Security number
  • Card or account number
  • Card expiration date 

Your PIN is private; NEVER give it out.

In stores and at ATMs, always cover your card and PIN, and watch for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs
  • People watching your transactions
  • Cashiers taking your card out of sight; take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

Be cautious of email and social media scams

  • Never respond to unsolicited emails that ask you to verify your card or account number by replying or clicking on a link; such emails are not sent by legitimate businesses are trying to trick you into giving them your information
  • Be cautious of clicking on links to websites through social networking sites; such sites can look legitimate but may collect data or put spyware on your computer

Visit for more tips and information regarding debit and credit card fraud.


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