When Target announced their stores had been hacked and a potential 40 million customers credit and debit card information stolen they instructed customers who has used their Target Redcards to sign into their account to check for fraudulent purchases, but the site was down for the day and when customers called the hot line there was no answer.
But if you used a credit or debit card from your bank Chief Technology and Security Officer at First Bank & Trust in
"We'd like our customers to just keep an eye on their accounts, their online banking channels, and mobile channels. If they see any unauthorized transactions we need them to go ahead and call the bank as soon as possible so we can get their debit card canceled and re-issued."
Quisenberry said the hackers aren’t using your information to buy, instead they took it to sell.
"What they do is they go online to one of these online auction sites, these are usually black market sites, and they takes blocks of 1,000 or 5,000 credit card numbers or debit card numbers and they auction those off to bad guys that are going to sell them or use them, they'll reproduce a credit card and start using those at point of sale and online."
If you do find something wrong on your bank statement you can get help at your bank but Quisenberry said they also have to wait for approval before they issue is resolved.
"The customer will need to come into the bank and fill out a debit card dispute form. Once that dispute form is filled out we actually submit that to visa, and visa is fully aware of the data breach, so they'll review all the information and if it coincides with the data breach they will send us back an approval or denial whether that money will be refunded or not."
Your money is at risk but SuperGeeks owner, Jon Benton, said you should also be concerned with identity theft.
"The breach, they got names, addresses, the credit card numbers, the security codes on the back of the credit cards, and in a lot of cases that's enough to steal someone’s identity or open an account in their name."
Benton said the companies Experian, Equifax, and TransUnion, have online services that offer free identity theft protection for people whose information has potentially been stolen.
"It will email you a report once a month saying 'no new activity' and if someone does, during a fraud alert, try to open an account in your name they will actually call you before that account is opened just to verify it."
The hackers have the potential to use your information at any time so Benton warns you to keep a close eye on your bank statements and credit score every month even if you think you are in the clear.
"That could happen in the next month, the next year, so it needs to be a continuous thing, even though this is bad and it happened right now, people need to continue to follow these best practices."
To see Target's full statement you can visit https://corporate.target.com/discover/article/Important-Notice-Unauthorized-access-to-payment-ca?intc=importantguestinfo