Fraud is a fact in this day and age. Especially with the birth and growth of the online purchase, but not all fraud is limited to the card-not-present transaction. We have to be careful of full-blown identity theft as well as credit card number theft. Consumers are very concerned about someone obtaining their credit, debit or check card numbers, and with good reason. But new fraud-protection services offered by FSB are helping to decrease the incidence of identity theft and credit card fraud.