An independent community bank serving the Eastern Shore since 1880

VISA-3D Secure

With check card fraud increasing and online shopping more popular than ever, 1880 Bank is pleased to introduce VISA-3D Secure.

It is important for us to take steps to protect you, our customer, from fraudulent online transactions. One option is to utilize VISA-3D Secure, a way to add an extra layer of security to your shopping experience. VISA-3D Secure helps prevent people from using your details without your permission. And it is good for retailers who want to make sure their customers are protected.

VISA-3D Secure is an advanced anti-fraud tool.  It requires an additional level of verification in the form of a one-time passcode (OTP) to prove only valid cardholders make purchases. VISA-3D Secure is designed to authenticate Card-Not-Present transactions to reduce fraud and false declines with a friction-free checkout experience for consumers.

How does this work?

When you shop online at participating merchants, before processing the authorization request, VISA-3D Secure may complete a real time evaluation of the transaction to help authenticate that the online user is actually you.  Risk analytics are used to evaluate the transaction’s attributes and origin, for example, IP address, device and location.  These additional security checks are to ensure that your card details have not been compromised. We want to make sure that it is really you making the purchase before your payment is authorized. After all, nobody would expect to take cash out of an ATM without using their PIN. VISA-3D Secure gives you the same high standards of protection on the internet as well.

You may notice a message from VISA-3D Secure on your screen after you have entered your VISA card details. Please follow the prompts to complete your transaction.  You will be offered an opportunity to authenticate your identity by using a one-time passcode by SMS text through cell phone or email. Once you receive this code you must enter the code in the message box.  Should you not retrieve and enter this code, your online transaction may be declined.  Therefore, it is important to ensure that this information (mobile phone and email information) is current with us, 1880 Bank.  If you are uncertain that we have the most up to date information for you or if you have any questions about VISA-3D Secure, please contact us at 1-844-301-1880, or visit one of our six convenient branch locations.

Thank you for banking with 1880 Bank.