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Online fraud occurs when someone poses as a legitimate source (like your bank, favorite shopping site or internet service provider) in order to obtain your personal information. This information is then used to conduct transactions on existing accounts. Methods used by fraudsters to commit online fraud are typically fake emails, pop-up messages and/or web sites.
Your Relationship With First Bank
First Bank will never ask you to provide, verify or update your personal information by sending an email, a text or using a pop-up message or link. If you receive such a message that appears to be from First Bank requesting you to provide or validate personal information, DO NOT RESPOND.
First Bank representatives may call you regarding activity on your account or you may be contacted through our automated systems to verify transaction activity on your account(s), such as debit card or Business eBanking activity. For your protection, we may ask you to verify your zip code and transaction activity.
Another type of fraud can occur when you sell something online. If the buyer of your product or service wishes to write a larger check than the original selling price, be suspicious. In this type of fraud, after the buyer issues the larger check, he or she will ask the seller to remit the difference back to the purchaser. This is typically in the form of a wire payment. Often, the check originally used to make the ‘overpayment’ and purchase of the product or service is fraudulent. As a result, the seller is not only out the item sold, but also any money that was returned to the purchaser as an “overpayment.” You should be suspicious even if the check is a money order or a government-issued check.
Regulation E and Your Online Accounts
Regulation E is a consumer protection regulation which provides a basic framework to establish the rights, liabilities, and responsibilities of consumers in electronic fund transfer systems such as Business eBanking.
A consumer’s liability for unauthorized Business eBanking transactions is limited when the transactions are reported to us within specific time frames. Sole proprietorships and other types of businesses are not protected by Regulation E liability limits.
These protections apply to transfers (between First Bank accounts), bill payments, personal payments and account-to-account transfers (between an account at First Bank and accounts at other financial institutions) that are processed through Business eBanking.
Reporting Unauthorized Transactions
Tell us at once if you believe your Business eBanking user credentials been compromised or if someone has transferred or may transfer money from your account without your permission.
The best way to minimize your loss is to call us immediately. The unauthorized use of your Business eBanking services could cause you to lose all of your money in your accounts, plus any amount available under your overdraft protection plan.
You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed to you (or 90 days if the transaction was from an account maintained at another financial institution). If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods.
Your Account Statement
Promptly review your account statements. If you determine fraudulent activity has occurred on your account. Provide your name and account number and describe the transaction and amount in question and explain why you believe it is an error. Contact us with this information immediately by one of the following methods (do not use email to report these incidents):
To protect your First Bank accounts from unauthorized eBanking transactions follow these important steps.
For businesses, Regulation E does not provide liability protections if fraudulent activity occurs on their accounts. This includes transfers (between two First Bank accounts), bill payments, personal payments and account-to-account transfers (between an account at First Bank and an account at another Financial Institution) that are processed on their accounts through Business eBanking.
Business eBanking customers are encouraged to periodically perform a risk assessment, which includes a threat assessment as it relates to their Business eBanking activities. Controls to mitigate those risks should be considered and enhanced, if determined necessary, as part of the assessment.
Remember, First Bank will never ask you to provide and/or update personal or account information such as, account number, PIN, User ID or password, social security number, by phone call, automated phone message, email or a pop-up message. A bank representative may call you to verify activity on your account (Debit Card transactions, bill payment, personal payment and/or account-to-account transfers) that appears suspicious or to provide you with information about products and services we offer.
When you contact us, we may ask for personal information in order to authenticate you before releasing any account information.
To learn more about how we can help you protect your business contact the First Bank Treasury Management Officer in your area.
Your security is important to us. When communicating via email, please do not include any personal, business or confidential account information. Thank you!
Existing Account Support