HUNTSVILLE, Ala. (WHNT) - You used to have to show up in person if you wanted to rob a bank. Now you just need a keyboard.
Target admits millions of customers had credit card and now debit information stolen from their systems.
The information includes PINs, though the corporation says they remain encrypted.
Banks like Renasant and their respective insurers often wind up liable for the lost funds.
At Renasant Bank, they feel the fallout through constant visitors, phone calls, and reports, but the people paying attention are doing the right thing.
Renasant Bank's Madison County President Linda Green says, "I just think it's our individual responsibility as account holders to pay attention, because I think most of us think it's not going to happen to us, and it can."
When we thought the thieves only took credit card information from the superstore, you had more time to fix things before you paid your bill.
Now that we know they may have access to debit cards, things happen much quicker here at the banks.
Green notes, "The main concern would be that with a debit card breach it affects cash in your checking account."
That's why we have to stay vigilant.
Green suggests a routine, "I would recommend checking it daily as you can and certainly as you get further from the event itself, you can make those decisions."
So if you shopped at Target from Black Friday until mid-December, keep on top of your accounts and track transactions.
Because even if you swiped your card at Target and thieves make the next swipe, the bank can help you off the hook.
Green emphasizes, "As a general statement, consumers are not responsible for fraud on their accounts."
She simply requests you act quickly, "Immediately contact your bank and work with them through that process, which would include filing a police report as well as working with your bank on specific transactions."
At Renasant, the bank will work with its insurers to make sure customers can refill their accounts after fraudulent charges.
It's extra relief after the holidays, when many of us visiting the bank already have less on hand than we'd like.
But it's just part of running a bank branch in this era.
Target may have called extra attention to credit and debit fraud, but banks like Renasant have honed their response for years.
"This is life today," says Green, "In the days of electronic banking, this is something we deal with on a relatively consistent basis. This one just happened to be bigger than most."
While a big breach like this can shake your confidence, the people at the banks feel confident they can restore it along with your funds.