Customer Awareness
First Security Bank's Commitment to Security
First Security Bank will NEVER request personal information by email or text messaging including account numbers, passwords, personal identification information or any other confidential customer information. Fraudulent emails may be designed to appear as though they are originated by First Security Bank. Do not respond to any email communications which request any type of personal or confidential information and do not go to any links listed on that e-mail. These communications are not originated by First Security Bank! Never give out any information that the Bank already has, to a caller, texter, or e-mail sender. If you contact us, we will verify information that we have on file to confirm your identity but we will never contact you and ask for your debit/credit card number or your full SSN. If we need to contact you, it will always be done in a manner that protects your personal, confidential information and we will clearly identify ourselves. One of our top priorities is to safeguard YOUR confidential information and we work diligently to do so. We always work with the local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible. We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it. Immediately report any suspicious emails or websites to First Security Bank by forwarding the message to: customerservice@firstsecuritybk.com
If you suspect identity theft or have any questions regarding this notice, please contact First Security Bank at (662) 563-9311 and ask to speak to a customer service representative.
Online Banking Security
First Security Bank is committed to protecting your personal information. Our Online Banking uses several different methods to protect your information. All information within our Online Banking uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a cryptosystem that creates a secure environment for the information being transferred between your browser and First Security Bank, in addition to the security features put in place by First Security Bank.
Here are some tips on keeping your information secure.
- Never give out any personal information including User Names, Passwords, SSN, Date of Birth.
- Create difficult passwords which include letters, numbers & symbols.
- Don't use personal information for your user names or passwords like Birth Date & SSN.
- Avoid using public computers to access your Online Banking.
- Don't give any of your personal information to any web site that does not use encryption or other secure methods to protect it.
– Additional Resources –
Federal Trade Commission:
https://consumer.ftc.gov/identity-theft-and-online-security
Equifax:
PO Box 105069
Atlanta, GA 30349-5069
www.equifax.com
To order a report: (800) 685-1111
To report fraud: (800) 525-6285
Experian:
PO Box 2002
Allen, TX 75013-0949
www.experian.com
To order a report: (888) 397-3742
T o report fraud: (888) 397-3742
Trans Union:
PO Box 1000
Chester, PA 19022
www.transunion.com
To order a report: (800) 916-8800
To report fraud: (800) 680-7289
What is Identity Theft?
Identity theft involves the unlawful acquisition and use of someone's identifying information, such as:
- Name
- Address
- Date of Birth
- Social Security Number
- Drivers License
- Mother's Maiden Name
- Bank or Credit Card Account
Thieves then use the information to repeatedly commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, and social security benefits, renting apartments and establishing services with utility and telephone companies. It can have a negative effect on your credit and create a serious financial hassle for you.
How do I protect myself?
You should report lost or stolen checks or credit cards immediately. Never give out any personal information including birth date, SSN or passwords. Shred all documents containing personal information, like bank statements, unused checks, deposit slips, credit card statements, pay stubs, medical billings, and invoices. Don't give any of your personal information to any web sites that do not use encryption or other secure methods to protect it. Review your Credit Report annually.
Debit Card Protection
Debit card usage has increased dramatically in recent years and fraudulent use of debit cards has also increased. We at First Security Bank have some suggestions for you for the care and usage of debit cards. NEVER give your debit card information when requested by phone, email, or texting. We at First Security Bank will never request information from you in this manner. Please contact us if you receive any such request. It is a good idea to pay by credit card if your card leaves your sight. An example might be when a waiter takes your card from your table in a restaurant or when ordering online. Debit cards are easier to process illegally vs. credit cards.
What You Can Do
- Install and keep up to date antivirus software protection.
- Be sure and use a firewall on your computer.
- Don't click on links in emails.
- Don't surf to pages you are unsure of.
- If you are a commercial account, you should perform your own risk assessments and evaluations on all online accounts.
Protect Your Small Business Account
Corporate account takeover is a type of fraud where thieves gain access to a business’ finances to make unauthorized transactions, including transferring funds from the company, creating and adding new fake employees to payroll, and stealing sensitive customer information that may not be recoverable. The American Bankers Association recommends following these tips to keep your small business safe.
- Educate your employees. You and your employees are the first line of defense against corporate account takeover. A strong security program paired with employee education about the warning signs, safe practices, and responses to a suspected takeover are essential to protecting your company and customers.
- Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location. Do not use unprotected internet connections. Encrypt sensitive data and keep updated virus protections on your computer. Use complex passwords and change them periodically.
- Partner with your bank to prevent unauthorized transactions. Talk to your banker about programs that safeguard you from unauthorized transactions. Positive Pay and other services offer call backs, device authentication, multi-person approval processes and batch limits help protect you from fraud.
- Pay attention to suspicious activity and react quickly. Look out for unexplained account or network activity, pop ups, and suspicious emails. If detected, immediately contact your financial institution, stop all online activity and remove any systems that may have been compromised. Keep records of what happened.
- Understand your responsibilities and liabilities. The account agreement with your bank will detail what commercially reasonable security measures are required in your business. It is critical that you understand and implement the security safeguards in the agreement. If you don’t, you could be liable for losses resulting from a takeover. Talk to your banker if you have any questions about your responsibilities.
Source: American Bankers Association (ABA)(opens in new tab)