title = "Debit Card Services"

content = """
Debit cards are the primary transaction method for most checking account holders.
Understanding card features, security measures, and problem resolution enables
effective support for customer card needs.

**Card Types and Features:** Silvergate issues Visa debit cards with EMV chip
and contactless payment capability. Cards support purchases at merchants worldwide,
ATM withdrawals, and cash back at point-of-sale. Daily limits: $2,500 for
purchases, $500 for ATM withdrawals, with additional $500 available through
cash back.

**Instant Issue Cards:** Branches maintain blank card stock for immediate
replacement of lost, stolen, or damaged cards. Instant issue cards activate
immediately upon PIN selection. Initial daily limits are lower ($1,000 purchases,
$300 ATM) for the first 24 hours as a security measure, then increase to standard
limits automatically.

**Card Activation:** Cards issued by mail require activation before use.
Customers may activate through mobile app, online banking, or automated phone
system using card number and SSN verification. Activation required within 60
days of issuance or the card becomes invalid.

**PIN Management:** Personal Identification Numbers can be changed at any
Silvergate ATM or through the mobile app for instant issue cards. Forgotten PINs
require card replacement since PINs are encrypted and cannot be retrieved.
Never store or attempt to look up customer PINs.

**Travel Notifications:** Advise customers traveling internationally to place
travel notifications on their accounts. Without notification, foreign transactions
may trigger fraud blocks. Notifications can be placed through mobile app, online
banking, or by calling customer service with destination countries and travel
dates.

**Card Security Features:** Cards include real-time fraud monitoring, which may
decline suspicious transactions and contact the customer for verification.
Customers can temporarily lock and unlock cards through mobile app if a card
is misplaced. Locking prevents new transactions but does not affect recurring
payments.

**Disputed Transactions:** When customers report unauthorized debit card
transactions, treat as potential fraud. Immediately block the card to prevent
further unauthorized use. Issue instant replacement if customer visits branch,
or order mailed replacement if calling. File Regulation E claim and refer to
Fraud Department.
"""  # noqa: E501

version = "0.0.1"
