First Choice Bank credit cards have $0 fraud liability insurance, but please report fraudulent or suspicious account activity to your card issuer immediately.
If you report the card lost or stolen before fraudulent charges appear, you are not responsible for any of the charges.
If you notify the bank within two business days after you realize the card is missing, your liability is limited to $50 in fraudulent charges.
Additionally, if your credit card number is stolen, like in a data breach, you are not liable for any unauthorized use.
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