“Thank you for calling First Federal.

Please enter your twelve-digit account number or stay on the line for customer service.”

David typed in the numbers, his thumb striking the glass with deliberate force.

“First Federal customer support, this is Marcus,” a young man’s voice said through the little speaker.

“How can I help you today, Mr.

Miller?”

“I need to report an unauthorized secondary debit card on my main checking account,” David said.

His voice was perfectly flat and calm.