Never disclose your PIN number to anyone or allow anyone else to use your card. Do not write your PIN number on or near your card. The only way someone could use your card at an ATM is if they obtained your PIN number. If you have a debit card, someone could potentially use your card without your PIN, so it is extremely important to notify us immediately if your card has been lost or stolen. In any case, on consumer accounts, you are not liable for any charges not incurred by you or transactions done fraudulently.