Credit & debit card security

Think uses multiple monitoring solutions and security procedures to safeguard your accounts, detect, and prevent fraud 24/7. Learn more.

As we monitor our credit and debit cards for potential fraud, we may suspend use of your card at certain locations if we believe they pose a security risk to you. You will not be liable for any unauthorized use of your account. We will notify you if we learn your card needs to be reissued.

Monitor your account information:

The best protection against fraud is to monitor your account on a regular basis and watch for suspicious activity (Online & Mobile Banking make this easy). If you notice any suspicious activity, please call us right away at 1-800-288-3425. You can also send us a secure message via Think Online.

Within Think Online you can set up several kinds of "alerts" to help you do this. Learn more.

If you think you've been a victim of fraud, here are a few basic and important steps you can take.


  • Sign your cards as soon as they arrive.
  • Contact us or your credit card companies before traveling to avoid unnecessary security calls or denied transactions.
  • Use Think Online to keep track of your account.
  • Save receipts to compare with your billing statements, reconcile accounts monthly and report any questionable charges. Destroy them in a secure manner.
  • Report lost or stolen cards immediately.
  • Immediately ask about suspicious charges found on your account.
  • Cancel and cut up any unused credit cards. If you have an unused credit account, call the creditor first to cancel the card before throwing the card out.
  • When using your card at an ATM, be aware of you surroundings and cancel the transaction if you notice anything out of the ordinary. Consider having someone accompany you to the machine. Don't count your money at the machine


  • Don't lend your card(s) to anyone.
  • Don't leave cards or receipts laying around.
  • Don't sign a blank receipt (draw a line through any blank spaces above the total).
  • Don't write your account number on a postcard or the outside of an envelope
  • Don't give out your account number over the phone unless you're dealing with a reputable company.
  • When you receive a replacement card, destroy the old card
  • Do not send your card number through email, as it is typically not secure
  • Know your billing statement cycles and contact your customer service center if you suddenly stop receiving your regular statement.
  • Change your PIN every six months. When you select your PIN, don't choose a number or word that appears in your wallet (such as name, birth date, or phone number). Memorize your PIN. Don't write it down anywhere, especially on your card, and never share it with anyone.
  • When using your card online, make sure it completed using a secure, encrypted connection at merchants you know and trust. Make sure you logoff for any site where you make a purchase
  • Report all crimes immediately to the operator of the ATM or local law enforcement.
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Insurance products are offered through Think Insurance (MN license # IA-538), not Think Mutual Bank. Insurance products are not FDIC insured, are not insured by any federal agency, and are not a deposit or guarantee of Think Mutual Bank. This is not a policy. For a complete statement of coverages and exclusions, please see the policy contract.

The financial advisors of Think Financial Planning offer securities and advisory services through Commonwealth Financial Network®, member FINRA/SIPC, a Registered Investment Adviser. Investments are not insured by the FDIC and are not deposits or other obligations of, or guaranteed by, any depository institution. Funds are subject to investment risks, including possible loss of principal investment. Think Mutual Bank is not a registered broker-dealer or Registered Investment Adviser. Think Mutual Bank and Commonwealth are separate and unaffiliated entities. Fixed insurance products and services offered by CES Insurance Agency, Think Insurance, or Think Financial Planning. Think Financial Planning is headquartered at 5200 Members Pkwy NW, Rochester, MN 55901. Check the background of this firm on FINRA's BrokerCheck.

This information is provided for new customers who live or work in Minnesota, and for existing customers residing in the states of AR, AZ, CA, CO, FL, IL, IN, IA, KS, KY, MA, MD, MI, MN, MO, MT, NM, NV, NY, ND, NC, OH, PA, SD, TN, TX, UT, VA, WA, WI, WY. No offers may be made or accepted from any resident outside of these states due to various state regulations and registration requirements regarding investment products and services.