Fraud Prevention

Phishing

If you receive an email asking your to "click a link" and verify things such as account number, passwords or credit card information, you could be a victim of a "phishing" scam. Legitimate companies will never ask for this type of personal information in an email. Instead of following the directions in the email, contact the company directly. This way, you can be sure you're speaking with the business or vendor you intended.

Identity Theft

Identity theft is a crime in which someone uses your personal information to borrow money, make withdrawals or charge items in your name. While identity theft has become more prevalent, experts agree you can take steps to help protect yourself against it.

• Don't respond to unsolicited requests for account numbers, credit card numbers or Social Security numbers, even if someone says they need to "verify."
• Keep track of your checks by double checking new deliveries and storing both new and cancelled checks in a safe place.
• Be cautious of something that seems too good to be true, especially if it requires that you disclose personal information. Many identity thieves use the promise of prizes as a lure.
• Avoid PIN numbers that are easy to figure out.
• Invest in a paper shredder and use it for statements, ATM receipts or other documents that may include your financial information that you want to throw away.
• Check all credit card and bank statements for accuracy.
• Obtain a copy of your credit report yearly and check it for accuracy.

ATM Safety

ATM machines have made banking more convenient today than ever before. With the touch of a few buttons, you can withdraw cash make deposits and transfer funds from virtually anywhere an ATM is located.

You should always use common sense when you are using an ATM, but the best advice we can give you is simply not to use an ATM if you feel at all uncomfortable doing so. ATM's provide convenience, but they haven't replaced our tellers! If you prefer, continue conducting your business inside our branches.

Here are a few tips to protect you:

• Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.
• Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify us if your card is lost or stolen.
• Keep your PIN number secret. Don't write it down anywhere... especially on you card!
• Never give any information about your ATM card or PIN over the telephone. If you receive a call asking you to verify your PIN, do not give out the information. Notify the police immediately.

When using your card, you should:

• Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time. Your best bet at night is to park close, take someone with you (if at all possible), and if the lights around the ATM are not working, don't use it.
• Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM before taking it out of your purse or wallet.
• Be careful that no one can see you enter your PIN. If other people are around, use your body to "shield" the ATM keyboard as you enter it.
• To ensure your account information remains confidential, always take your receipts or transaction records with you.
• Don't count or display any money you receive from the ATM. Immediately put it into your pocket or purse and count it later.
• If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car walk to the ATM, be sure to lock your car.

These tips are simply guidelines. While ATM crime is rare, it can happen. Following these tips can help to ensure your safety.