Home  |  Careers  |  Locations  |  FAQs   
Untitled-10
     
Testlogin

IDENTITY THEFT AND FRAUD

Identity Theft

Identity theft is when fraud is attempted or committed using identifying information of another person without their authority such as name, date of birth, social security number, or mother's maiden name.  Fraud is committed when these criminals:

  • Conduct unauthorized transactions on existing accounts.
  • Take over an existing account through prolonged use or by emptying an account.
  • Establish or attempt to establish new accounts (credit cards, loans, etc.) using acquired information.

How to protect yourself

  • Protect your personal information.  Only give out this information if you know how it will be used or shared and you’ve initiated the contact.
  • Only provide your Social Security Number or Driver’s License number when absolutely necessary. 
  • Don’t keep unnecessary information you don’t need in your wallet or purse.
  • Check your credit report at least once a year.
  • Review your account statements promptly and report any discrepancies or suspicious transactions immediately.
  • Shred or tear up statements, checks, credit card solicitations, charge receipts, expired cards and documents containing personal information.
  • Promptly pick up delivered mail and deposit outgoing mail at a postal mailbox or the post office.

Reporting identity theft

  • Contact your First Bank branch location immediately. 
  • Contact the Federal Trade Commission’s Identity Theft Hotline at 1-877-ID-THEFT (1-877-438-4338).     
  • Contact the three main credit bureaus to report fraud and request copies of your credit report. Fraud flags and statements will be added to your report saying that all potential creditors should contact you to verify credit applications.
    • Equifax – to report fraud, call 1-800-525-6285.  To request a copy of your credit report, call 1-800-685-1111.
    • Experian – to report fraud or request a copy of your credit report, call 1-888-397-3742.
    • TransUnion - to report fraud, call 1-800-680-7289.  To request a copy of your credit report, call 1-800-916-8800.
  • Report the theft of mail to your local postal inspector.

 

Internet/Online Fraud

First Bank will never ask a customer to provide, verify or update their personal, account or financial information via email or pop-up windows.  This includes: Social Security Number, passwords, Personal Identification Numbers (PIN), or ATM, Credit or Debit Card numbers.  If you receive an email requesting such information, do not respond and never click on a link contained in a suspicious email.

Phishing

Phishing involves the use of fraudulent email or browser pop-up messages that appear to be from a legitimate source, often using a company name, logo and/or graphic. A typical scam consists of:

  • Receipt of an email message stating you need to update or validate your account information.
  • The message suggests a dire consequence, such as your online access expiring or being suspended, if you do not respond.
  • Via a link in the message, it directs you to a Web site that looks legitimate, but is not.

THE INTENT IS TO TRICK YOU INTO DIVULGING YOUR PERSONAL INFORMATION, such as your account number, social security number, User ID or Password so they can commit crimes of a monetary nature or identity theft.  It may also be an attempt to deliver and install malicious code (malware) that can harm your computer.

Reporting a fraudulent email

If you receive a suspicious email that appears to be coming from First Bank, please forward a copy of the suspicious email to idtheft@fbol.com.  If you discover a potentially phony First Bank Web site, please forward the Web address (url) to idtheft@fbol.com

To report unauthorized transactions on your account, contact your branch or 800-760-2265.

Pharming

Occurs when you enter a Web address but are redirected, without your consent or knowledge, to a fraudulent site that looks similar to a legitimate site.  The intent of the fraudulent site is to capture confidential information.

Lottery/Sweepstake/International Scams

Lottery, Sweepstake and International scams involve unsolicited letters and emails that individuals and companies receive offering the recipient large sums of money for assistance in transferring millions of dollars to American banks.  They offer recipients a percentage of the money transferred as compensation for their help. Individuals/companies who respond are asked to provide their account information in order to have the money transferred to them.  Once these scam artists have your account information, they not only don’t transfer money to the account, they use the account information to steal money.  View an example of a Lottery/Sweepstake scam or an International scam.  These offers are originated out of the country, often Nigeria, Canada or Spain. 

One of the newest scams is the Account Manager or Money Transfer Agent.  Recipients receive an email or advertisement on the web trying to recruit them to be an account manager or transfer agent for a fictitious company.  These scam artists steal money from an unsuspecting person’s account, then transfer the money into the manager/agents’ account.  The criminals then ask that the money be sent back to them.  Again, the compensation is the manager/agent gets to keep a percentage of the money as their ‘commission’.  This opens the personal accounts of the manager/agent up to fraud – and if the account is used in an online scheme, the owner can be liable for lost funds.

The Secret Service, which handles complaints related to these types of schemes, believes many people have responded to these requests for assistance and sent money, but have not reported their losses due to embarrassment.

Please keep in mind, there is NO legitimate reason for someone to give you money (in any form including money order, check or wire transfer) only to ask you to send the money back.  It’s illegal for a company to require you to buy something or pay a fee in order to win or claim a prize.  Should you receive one of these letters, please do not reply, but report the letter to the Internet Fraud Complaint Center.

 

Other Internet/Online Fraud

Fraud can also occur when selling items online.  If the item is being purchased by a check, the seller may request the purchaser issue a check for an amount greater than the asking price.  The ‘seller’ is asked to wire the difference back.  Frequently, the original check used is counterfeit or forged. 

How to protect yourself

  • Protect your personal information, account numbers, User ID & password, card numbers and PINs.  Use caution when providing this information to persons/entities over the Internet.
  • Install and update anti-virus software regularly. To learn more about computer security visit the FTC's Information Security web site.
  • Make sure your computer is updated with the most recent patches and security updates.
  • Never send your personal or account information using your personal email.  To send this information to us, use the secure messaging feature in Online Banking.
  • Immediately delete any emails from an unknown source prior to opening it.  If you do open a suspicious email, never click on a link or attachment provided in the email.
  • Be cautious of emails that warn you that your account may be at risk, fraudulent activity or charges exist on your account or convey a sense of urgency. These often include details of the suspicious activity requesting you respond to the email or ‘click here’ to visit their site to update your information.
  • Prior to sending confidential information or financial transactions through a Web site, look for  the lock icon on your status bar in the lower right corner.  This signifies information is secure during transmission.  By double clicking the padlock, you can view the security certificate.  Also, look for the ‘s’ in the ”https” of the URL in your Web browser when engaging in financial transactions.  This indicates scrambling or encryption of the communication.
  • Keep your password confidential.  Change passwords regularly using a combination of numbers, letters and special characters.  Avoid using obvious passwords like mother’s maiden name, children or pet names, Social Security Number or date of birth.
  • Be careful when using a computer in a public area where someone could watch you enter your User ID and password.
  • Review your account statements promptly and report any discrepancies or suspicious transactions immediately.
  • Install anti-spyware on your computer to help prevent your personal and account information from being collected without your knowledge.
  • Clean the hard drive of a computer before disposing of it.

 

Card Fraud

First Bank will never ask a customer to provide, verify or update their personal information, account number, card number and PIN, User ID and Password, or other financial information via email, live or automated phone call, or text message.  If you are contacted by any of these methods requesting personally identifiable or account information, do not respond. 

Note: Remember, we may call you to verify card activity that appears suspicious or to provide you with information about products and services we offer.

Skimming

“Skimming“ is a method by which thieves capture the magnetic stripe data from your card and use it to create a new, counterfeit card.  These counterfeit cards are then used to process unauthorized transactions against your account.  There are two main methods of skimming card information:

  • A small device that appears to be a part of the machine is placed over the card insertion slot of an ATM, gas pump, or other self-service kiosk.  As you slide your card into the ATM, this device “reads” the data on the stripe and either stores it or transmits it to a nearby location.  Often times, there is also a small, hidden camera that captures your keystrokes as you input your PIN into the machine. 
  • The device is carried by an employee in a merchant’s store location.  When the employee walks away with your card to complete your transaction, they swipe the card through the skimming device and capture the magnetic stripe data.

How to protect yourself

  • Look at the ATM, gas pump or self-service kiosk before using it.  If it doesn’t look right, don’t use it.
  • If you see an attachment on an ATM that looks suspicious, don’t use the ATM.  Notify the institution that owns the machine as soon as possible.  If it’s a First Bank ATM, contact the branch location of the ATM or 800-760-BANK (2265).
  • Never give your PIN to anyone or write it on your card.
  • Review your monthly statements immediately and notify us of any discrepancy by calling  800-760-BANK (2265).

Card Data Compromises

Many news reports have recently surfaced surrounding banks and merchants whose systems are hacked and card data is obtained.  First Bank takes an active role in reviewing these instances and is taking action to protect your account.  If we receive a report that includes your information, we will:

  • Immediately review your account activity and contact you if we find something suspicious.
  • Send you a new card if the data obtained puts your account at risk.  If we do this, we will allow you to continue using your existing card for a period of time until you receive your new card.  During this interim period, we will continuously review your account activity and look for suspicious transaction activity. 

Card Security

First Bank continuously trends your transaction activity and looks for suspicious transactions that might fall outside of your normal spending patterns.  If we find something suspicious, we will temporarily restrict your card and make attempts to contact you.  Once we’re able to validate the legitimacy of your transaction, we’ll reinstate your card.  In addition to this, we recommend the following things to help keep your personal information and accounts safe:

  • If your card is lost or stolen, contact us immediately using one of the following telephone numbers:
    • For First Bank ATM/Debit Cards, call 1-800-760-BANK (2265)
    • For First Bank Credit Cards, call 1-888-295-55409 (for consumer credit cards) or 1-800-819-4249 (for business credit cards).
  • You will never be contacted directly by companies like MasterCard® or Visa® to verify personal or card information, your PIN or to request that you transfer funds or process transactions to protect your account. If you are concerned about the legitimacy of such requests, contact 800-760-BANK (2265).
  • Make a list of ATM, debit card, credit card, and bank account numbers, as well as the customer service telephone numbers for each.  Keep this list in a safe and secure place so you can easily notify the necessary companies in case you lose your wallet or purse.  This will also mitigate the risk of fraud.
  • Whether at home or traveling, only carry ATM, credit and debit cards that are necessary.  If traveling, cancel unused cards or secure them in a safe place while you’re away.
  • Memorize your Personal Identification Number (PIN).  Never write it on the card or anywhere else it could be compromised. 
  • It’s not a good idea to use the last four digits of your social security number, date of birth, address or numbers that may be easily obtained by identify thieves as your PIN.
  • Never give out your credit or debit card numbers over the telephone or on the internet unless you have a trusted business relationship with the person or company.
  • Never leave ATM, credit or debit cards lying around where anyone has access to them. 
  • Always keep your receipts for card purchases or withdrawals.  Never throw them in a public trash container where they could eventually be found.
  • Be aware if a merchant takes your card out of your sight for an extended period of time.  Most merchants will process transactions within your view.  If you become suspicious, contact your financial institution to warn of possible fraud on your account.
  • When vacationing, contact your bank regarding your plans.  Most banks monitor suspicious activity, including geographic shifts in cardholder use.  They may choose to temporarily restrict the card until the activity can be validated.  By informing us up front, you can prevent unnecessary inconveniences while traveling.
  • Always thoroughly review credit card and bank statements upon receipt.  If there is suspicious activity on your account, notify the Credit Card company or bank immediately.

Reporting ATM or Debit Card Fraud

To report suspicious activity on your card or account, contact us immediately at 800-760-BANK (2265).

 

Telephone Fraud

First Bank will never ask a customer to provide, verify or update their personal information, account number, card number and PIN, User ID and Password, or other financial information via email, live or automated phone call, or text message.  If you are contacted by any of these methods requesting personally identifiable or account information, do not respond. 

Note: Remember, we may call you to verify card activity that appears suspicious or to provide you with information about products and services we offer.

 

Vishing

Vishing stands for voice-phishing.  Vishing involves the use of email, voice messages, automated calls, or text messages that appear to be from a legitimate source, such as a debit or credit card issuer, financial institution, police department, etc., but are, in fact, criminals that are attempting to gain information to be used for illegitimate purposes. A scam often consists of:

  • Receipt of an email, voice mail, or text message asking the recipient to call a phone number.  They are directed to an automated system that asks them to enter their account number, debit card and PIN, Social Security Number, or other personally identifiable or financial information.
  • Receipt of a text message asking the recipient to reply to the message in order to:
    • Activate an account or newly issued debit/credit card by entering the account number or the card number and/or PIN
    • Verify that a debit/credit card is in their possession by entering the card number and/or PIN
    • To reactivate their account or debit card, commonly used to make people think that it’s recently been suspended or deactivated
  • Receipt of an automated call stating the recipients account or card has been blocked.  They are directed to select a menu option and asked to enter account number, debit/credit card and PIN, Social Security Number, or other personally identifiable or financial information.

THE INTENT IS TO TRICK YOU INTO DIVULGING YOUR PERSONAL INFORMATION, such as your account number, social security number, User ID or Password so they can commit crimes of a monetary nature or identity theft.  If you believe the call may be legitimate, call the customer service number provided by the financial institution at the time the account was opened or the number on the back of the debit/credit card.

Mail Theft

Mail theft occurs when someone illegally intercepts your mail.  Their intent is to get personal information, such as account numbers, social security number, credit card numbers, etc.  They then use this information to commit identity theft.  If you have reason to believe your mail has been stolen, contact your local post office or your local postal inspector.

 

Learn More About Fraud

              National Identity Theft Website (FTC)

              Phishing video

              On Guard Online

              FDIC Online Education Tool

              Giving the Bounce to Counterfeit Check Fraud

 
  Terms of Use  |  Security Center  |  Privacy  |  Site Map  |  Contact Us  |  Deposit Account Agreement
© 2014 First Banks, Inc.  All rights reserved.   Member FDIC .  Equal Housing Lender.
FIRST BANK is a registered trademark of First Banks, Inc.