Online Banking
Scammers use various tactics to deceive individuals. Be on the lookout for:
If you suspect a scam, report it to the appropriate authorities:
Scammers are persistent and sophisticated, but staying informed and cautious can help protect your finances and personal information. Always verify before you trust, and report suspicious activity promptly to help prevent further fraud.
1. Contact your bank, financial institutions and creditors
2. Secure your email and other communication accounts
3. Check your credit reports and place a fraud alert on them
4. Contact ChexSystems at 888.478.6536 to place a security alert on the compromised checking and savings accounts when a deposit account has been impacted.5. Contact the Federal Trade Commission to report an ID theft incident: visit ftc.gov/idtheft or call 877.438.4338.6. File a report with your local law enforcement
Get a copy of the report to submit to your creditors and others that may require proof of the crime.
To report a lost or stolen VISA® debit card after business hours: 800-791-2525.To report a lost or stolen Visa® credit card after business hours: 800-325-3678.
Here are some good tips to remember!
Cyber Security - Phishing Tips
We have been made aware that there may be a Zelle® Text Scam that has been circulating.
The text appears to be an attempt to confirm a Zelle transfer of $600 (for example).This text is not valid – it is a scam.The goal is to get the customer to reply ‘no’ to the text so the scammer knows the phone number is valid.
From there the scammer will contact the customer impersonating a bank or Zelle employee to ‘resolve’ the matter. The scammer will have Zelle send a dual authentication text to the customer using the customers phone number. The scammer will ask the customer to verify the code that was sent to their phone, and that is how they get access to the account. The customer thinks the code is a harmless verification, but it gives the scammer immediate access to Zelle.
A Zelle® or Bank employee will never ask you for a verification code like this.
If you receive a text like this, please ignore and/or delete it. DO NOT reply to the text, click on any links, or call phone numbers offered in the text.
Unfortunately, if you follow through with a scam like this and authorize a payment, you may NOT get your money back. Trust your gut and delete any unsolicited messages.
Identity theft occurs when someone uses your personal identifying information, like your name, Social Security number, or credit card number, without your permission to commit fraud or other crimes.
The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.
The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.
Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.
There are many money movement apps available nowadays such as Venmo, CashApp, Paypal, Zelle, Samsung Pay, Apple Pay and Google Pay. Here are some tips to keep these accounts secure.
Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can potentially provide the same convenient access for criminals. We recommend following these tips to keep your information – and your money – safe.
Let us know when you will be traveling. Our debit card monitoring system analyzes transaction activity in order to prevent and protect you from fraudulent charges. One factor analyzed is location. Debit card usage outside of a usual location could cause your card to be flagged or blocked. Just give us a call and we can make sure you don't experience any card interruptions.
Other tips to remember when traveling:
The Consumer Financial Protection Bureau gives consumers four steps they can take to determine if fraudulent charges or debits have been made on their accounts:
Phishing is a type of online scam where criminals make fraudulent emails, phone calls, and texts that appear to come from a legitimate bank. Every year, people lose hundreds, even thousands of dollars, to these scams. The communication is designed to trick you into entering confidential information (like account numbers, passwords, PINs, or birthdays) into a fake website by clicking on a link, or to tell it to someone imitating your bank on the phone.
If you suspect that an email or text you receive is a phishing attempt:
If you receive a phone call that seems to be a phishing attempt:
To report a lost or stolen VISA® debit card after business hours: 800-791-2525.To report a lost or stolen Visa® credit card after business hours: 800-325-3678
First State Bank & Trust helps protect our customers by monitoring transactions to detect possible fraud.
In addition to using best practices for data security, including data encryption and firewalls, these additional measures have been taken to ensure your privacy:
While First State Bank & Trust works to protect your banking privacy, you also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your First State Bank & Trust account information is protected, including:
You are leaving our website. We are not endorsing or guaranteeing the products, information or recommendations provided by the organizations linked to our website. We are not liable for any failure of products or services advertised on those sites. We are not responsible for the validity, collection, use or security of information by organizations that may be linked to our website. We encourage you to read the privacy policies of websites reached through the use of links from our website.
