How to be Proactive With Your Credit Cards

(NATIONAL/SIOUX CITY, IA) With more than 40 million credit cards on the line in a Target security breach, you may be wondering if your card is one of them!

So what can you do if you think your card has been compromised? It's a question many people here in Siouxland are probably asking themselves. We found out.

Hackers may have hit Target right in the bullseye but more than 40 million bank accounts around the country are what the bad guys were really aiming for.

And since many of us reach into our wallets the most for plastic, we wanted to know how you could protect yourself right now.

Cause lets be honest, if you haven't shopped at Target in the last few weeks you can probably consider yourself lucky.

But Dillon Retzlaff, President of Pinnacle Bank in Sioux City, says don't rush to shut down your card.

"Constantly check your account, periodically. I would advise so on the daily. If you see any activities you don't recognize or seem suspicious then you contact your local bank immediately," said Retzlaff.

He says if the bank deems it fraud, it'll most likely give you your money back.

"Most banks have an agreement with Visa, pinnacle bank included where we'll give you immediate credit back and theirs no liability on fraud so you are protected," he said.

So yes, you can breathe that sigh of relief and what's even better -- Pinnacle bank says it hasn't discovered any fraud relating to the target breech just yet.

That's because Pinnacle has been preemptively checking its customer's accounts for anything out of the ordinary.

"We do have active monitoring fraud systems in place so they track typical consumer spending so if they see anything out of the norm they freeze the account and we contact customers to verify whether that was a valid purchase or not," said Retzlaff.

And even with the credit card madness, Dillon says it's still safer to use a card instead of cash.

"Unfortunately if cash is stolen, it's gone. We can't refund that," he said.

Dillon also says using a card is safer then checks, mainly because checks have your routing and account number so if a hacker got a hold of that the entire bank account is at risk.

The Secret Service and outside forensics company are investigating the case. Meanwhile, the company is asking customers who think they may be victims of the breach to call an 800 number it set up. When we tried that hotline earlier Thursday, we weren't able to get through. That number is 1-866-852-8680.