Skip to Content

FNBO Fraud Protection

Happy couple sitting at a coffee bar looking at their mobile phone

Keeping your identity safe in a variety of ways.

1 Visa's Zero Liability policy covers U.S. issued cards only and does not apply to PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit

2 Zero Liability does not apply to MasterCard-branded cards issued: to an entity other than a natural person; primarily for business, commercial, or agricultural purposes; outside of the U.S. region; or if a PIN is used as the cardholder verification method for the unauthorized transaction(s).