Security

 

FACTS

WHAT DOES TRADITION BANK DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.  Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us.  This information can include:

  • Social Security number and income
  • Account balance and payment history
  • Credit history and credit scores

 

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business.  In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Tradition Bank chooses to share; and whether you can limit this sharing.

Personal Information

 

 

 

 

 

Reasons we can share your personal information

Does Tradition Bank share?

Can you limit this sharing?

For our everyday business purposes - Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus

Yes

No

For our marketing purposes - To offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes - Information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes - Information about your creditworthiness

No

We don't share

For non-affiliates to market to you             

No

We don't share

 

Questions?       Call 713.666.2511 or go to traditionbank.com

1.    What we do

2.     How does Tradition Bank protect my personal information?

3.     To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include computer safeguards and secured files and buildings.

4.     We restrict access to non-public personal information about you only to those employees who need to know that information to provide products or services to you.

How does Tradition Bank collect my personal information?

We collect your personal information, for example, when you

  • Open an account or deposit money
  • Pay your bills or apply for a loan
  • Use your credit or debit card

 

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • Sharing for affiliates' everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you

 

State laws and individual companies may give you additional rights to limit sharing.

 

Definitions

Affiliates

Companies related by common ownership or control.  They can be financial and non-financial companies.

  • Tradition Bank does not share with our affiliates.

Non -affiliates

Companies not related by common ownership or control.  They can be financial and non-financial companies.

  • Tradition Bank does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Tradition Bank does not jointly market.

 

HOW TO FILE A COMPLAINT

Tradition Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Tradition Bank should contact the Texas Department of Banking through one of the means indicated below:

In Person or U.S. Mail:

2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294

Telephone No.:

(877)-276-5554 (toll free)

Fax No.:

(512)-475-1313

E-mail:

consumer.complaints@dob.texas.gov

Website:

www.dob.texas.gov



COMO SOMETER UNA QUEJA

Tradition Bank está regularizado por las leyes del estado de Texas y por ley está sujeto a descuido regulatorio por el Departamento Bancario de Texas. Cualquier consumidor que desee presentar una queja en contra de Tradition Bank deberá comunicarse con el Departamento Bancario de Texas por uno de los medios indicados a continuación:

En persona o por correo:

2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294

Número de Teléfono:

(877)-276-5554 (toll free)

Número de Fax:

(512)-475-1313

Correo electrónico:

consumer.complaints@dob.texas.gov

Website:

www.dob.texas.gov


 

CÁCH NỘP ĐƠN KHIẾU NẠI

Tradition Bank được thành lập đúng theo luật lệ của tiểu bang Texas, ngân hàng hoạt động dưới quyền kiểm soát của Texas Department of Banking.  Nếu khách hàng cần khiếu nại về ngân hàng hoặc cách ngân hàng bán chi phiếu, xin liên lạc trực tiếp với Texas Department of Banking bằng những cách sau đây:

Bằng bưu điện :

2601 North Lamar Boulevard, Suite 300
Austin, Texas 78705-4294

Điện thoại:

(877)-276-5554 (toll free)

Điện thư:

(512)-475-1313

Điện toán:

consumer.complaints@dob.texas.gov

Mạng lưới điện toán:

www.dob.texas.gov

 

Security

  • Mobile Access Banking from Tradition Bank
  • Tradition Bank Card Protection
  • Identity Theft and Fraud
  • ATM Safety Precautions

 

Mobile Access Banking from Tradition Bank

Mobile Access Banking with Tradition Bank lets you access account information in an instant.  Simple and secure, mobile banking makes banking available on your terms - quickly and easily. You can access balance information, transfer funds, view account history, check transaction detail and verify account details.*

Tradition Bank offers mobile banking on any web-enabled mobile device to all Online Banking customers.  If you have access to the web on your mobile phone or web-enabled mobile device, your banking will be easy, fast and convenient.

Best of all, Tradition Bank's Mobile Access Banking service is free*, secure and keeps your accounts at your fingertips. Get more information about Mobile Access Banking or try it now and see for yourself just how easy it is to bank on the go, at your convenience.

Mobile Access Banking Security

Your personal information is protected by advanced encryption technology to prevent unauthorized access.

Before using Mobile Access Banking, keep these important tips in mind:

  • Information such as account numbers may appear truncated on the screen of your web-enabled mobile device or phone.
  • All transfer accounts must be set up in Online Banking prior to making transfers in Mobile Access Banking.
  • All terms and conditions applicable to Online Banking apply to Mobile Access Banking.
  • You may be charged access rates depending on your carrier. Check with your service provider for details on specific fees and charges for web or data plans.
  • Password-protect your mobile device and lock your device when it is not in use. Keep your mobile device in a safe location. Frequently delete text messages from your financial institutions on your mobile device, especially if they contain sensitive information.
  • Never disclose personal identifying information about your accounts via a text message, such as account numbers, passwords or any combination of information that can be used to steal your identity.
  • If you change your mobile number or lose your mobile phone, immediately contact the bank at (713) 666-2511 to change the details of your Mobile Access Banking profile.
  • Do not hack or modify your device, as this will leave it susceptible to infection from a virus or Trojan. When possible, install mobile security software on your device (if available).
  • Be aware that malware exists and fraudulent applications will continue to pop up.  Don't download applications onto your phone without checking them out first. Verify the legitimacy of an application before downloading it to your smartphone and that the app publisher or seller is legitimate. Only use trusted websites to download applications.
  • Monitor your financial records and accounts on a regular basis and consider having electronic alerts on account activity sent to your e-mail or mobile device.  Regularly review your statements with online banking.  This will enable you to spot any suspicious activity.

 

Is the Tradition Bank Mobile Access Banking service secure?

Mobile Access Banking offers the same security features and protections that are applied to Tradition Bank's Internet Banking product, including dual authentication plus your security question may be asked to ensure the protection of your privacy.  Note: Always remember to log off when finished.

After how many incorrect logon attempts will Mobile Access Banking be locked?

Your Mobile Access Banking access will be locked after the third invalid Access Code and Password entry.  If you lock yourself out of Mobile Access Banking, you will also be locked out of Online Banking.

I lost my mobile phone. Whom should I notify at Tradition Bank?

If your phone is lost or stolen, please immediately call customer service at (713) 666-2511.We will temporally disable your Internet/Access Banking profile to prevent unauthorized access. We will require you to change your password.  You will want to monitor your accounts via Online Banking for any unusual account activity.  If you suspect any fraud contact us immediately.

For More Information

 

Contact:

Call:(713) 666-2511

Email:susie@traditionbank.com

*Note:You may be charged access rates depending on your carrier. Web access or mobile data plan from your carrier  is needed to use Tradition Bank Mobile Access Banking. Check with your service provider for details on specific fees and charges your carrier may charge for Web access or data plan they offer.

 

Tradition Bank Card Protection

To protect your account, your ATM and Check Card transactions are monitored for potential fraudulent activity, which may include a sudden change in locale (such as when your issued card is used unexpectedly outside of Texas or overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the U.S. or the world.

If fraudulent ATM or Check Card use is suspected, you will be called to validate the legitimacy of your transactions.  Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Tradition Bank, or our card processors fraud detection center, may contact you.
  • Calls placed by a bank employee will register as 713-666-2511 as the caller ID
  • You'll be asked to verify your identity.
  • You'll be asked to verify recent transaction activity on your card.

Your security is our No. 1 priority. We aim to minimize your exposure to risk and the impact of any fraud to your account.  To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

Before you travel, please contact us to discuss your travel plans and for tips to assist with uninterrupted card transactions.

 

Identity Theft and Fraud

At Tradition Bank, we are committed to providing quality service to you, whether you visit us online, by telephone, or in person at one of our banking centers.  We are dedicated to the responsible use and protection of your personal information.  The policies below outline our commitment to protecting your privacy, regardless of how you conduct business with us.

Learn about identity theft, types of fraud and the latest scams aimed at obtaining your personal financial information and how to keep from becoming a victim.

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

1. Protect your personal information.  Only give out this information if you know how it will be used or shared and you have initiated the contact.

2. Only provide the last four digits of your Social Security Number or Driver's License number when absolutely necessary. 

3. Do not keep unnecessary information you do not need in your wallet or purse.

4. Check your credit report at least once a year.

5. Review your account statements promptly and report any discrepancies or suspicious transactions to the bank immediately.

6. Shred or tear up statements, checks, credit card solicitations, charge receipts, expired cards and documents containing personal identifying information.

7. Promptly pick up delivered mail and deposit outgoing mail at a postal mailbox or the post office.

 

Reporting identity theft

Contact your Tradition Bank Banking Center 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

Tradition Bank will never ask you to provide, verify or update your 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.

 

Fraud Advisory for Businesses: Corporate Account Take Over

Cyber criminals are targeting the financial accounts of owners and employees of small and medium sized businesses, resulting in significant business disruption and substantial monetary losses due to fraudulent transfers from these accounts.

Cyber criminals employ various technological and non-technological methods to manipulate or trick victims into divulging personal or account information. Such techniques may include performing an action such as opening an email attachment, accepting a fake friend request on a social networking site, or visiting a legitimate, yet compromised, website that installs malware on their computer(s).

The cyber criminal's goal is to get the employee to open the infected attachments or click on the link contained in the email and visit the nefarious website where hidden malware is often downloaded to the employee's computer. This malware allows the fraudster to "see" and track employee's activities across the business' internal network and on the Internet. This tracking may include visits to your financial institution and use of your online banking credentials used to access accounts (account information, log in, and passwords). Using this information, the fraudster can conduct unauthorized transactions that appear to be a legitimate transaction conducted by the company or employee.  To learn more read the paper created as part of a joint effort between the United States Secret Service, the Federal Bureau of Investigation, the Internet Crime Complaint Center (IC3) and the Financial Services Information Sharing and Analysis Center (FS-ISAC).(http://www.ic3.gov/media/2010/CorporateAccountTakeOver.pdf)

 

Phishing

Phishing involves the use of fraudulent email or internet 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 Website that looks legitimate, but it 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 Tradition Bank, please forward a copy of the suspicious email to idtheft@traditionbank.com.  If you discover a potentially phony Tradition Bank Web site, please forward the Web address (url) toidtheft@traditionbank.com

To report unauthorized transactions on your account, contact your local Banking Center or 713-666-2511.

 

Pharming

Occurs when you go to a Website but are redirected without your consent or knowledge, to a fraudulent Website which looks similar to a legitimate site; the intent of the fraudulent website is to capture confidential information.

 

Lottery/Sweepstake/International Scams

Lottery, Sweepstake 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.  International scams involve unsolicited letters and emails that individuals/companies receive offering the recipient large sums of money for assistance in transferring millions of dollars to American banks.  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 from the individuals/companies.  These offers are originated out of the country, often from Canada and Nigeria.

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 the manager/agent gets to keep is 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 did 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.(http://www.ic3.gov/default.aspx)

 

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

1. 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 or the phone.

2. Install and update anti-virus software regularly. To learn more about computer security visit the FTC's Information Security website. (http://www.ftc.gov/infosecurity/)

3. Make sure your computer is updated with the most recent patches and security updates.

4. 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 or Tradition Bank Secure Email under contact us tab on the bank's website.  

5. Immediately delete any emails from an unknown source prior to opening it.  If you open a suspicious email, do not click on a links or attachments provided in the email.

6. 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.

7. Prior to sending confidential information or financial transactions through a Website, 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.

8. 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.

9. Be careful when using a computer in a public area where someone could watch you enter your User ID and password.

10. Review your account statements promptly and report any discrepancies or suspicious transactions immediately.

11. Install anti-spyware on your computer to help prevent your personal and account information from being collected without your knowledge.

12. Clean the hard drive of a computer before disposing of it

 

Card Fraud

Tradition Bank will never ask a customer to provide, verify or update your 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 Tradition Bank ATM, contact the Banking Center location of the ATM or (713)666-2511.
  • 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 (713)-666-2511.

 

Card Data Compromises

Many news reports have recently surfaced surrounding banks and merchants whose systems are hacked and card data is obtained.  Tradition 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

Tradition 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 Tradition Bank ATM/Debit Cards, call (713) 666-2511 or (800) 554-8969.

 

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 call the bank at (713) 666-2511.

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; 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 the bank or your credit card financial institution to warn of possible fraud on your account.

When vacationing, contact your bank regarding your plans.  Most banks including Tradition Bank monitors suspicious activity, including geographic shifts in cardholder use. The Bank 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 carefully review credit card and bank statements upon receipt.  If there is suspicious activity on your account, notify the Bank or Credit Card Company immediately.

 

Reporting ATM or Debit Card Fraud

To report suspicious activity on your card or account, contact us immediately at (713)-666-2511during regular business hours.  To report fraud or a lost or stolen debit card after hours, call (800) 554-8969.

 

Telephone/Cell phone Fraud

Tradition 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:

  • Receiving an email, voice mail, or text message which asks the recipient to call a phone number; you are directed to an automated system or customer service representative that asks you to enter your 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 3 digit verification number on the back of the credit card or card number and/or PIN
  • To reactivate their account or debit/credit 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, tell them that you will call them back, call the bank or 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.

If you do not know who is making a request for personal information, delete the text message/email/voice mail or hang up.

Never give out personal information, such as your social security numbers, bank account numbers or ATM/debit/credit card numbers, to anyone you do not know.

  

Smishing scams

Criminals set up an automated system to text people in an area code.  The victims receive messages like: "There's a problem with your account," or "Your ATM card needs to be reactivated," and are directed to a phone number or website asking for personal information.  Armed with that information, criminals can steal from victims' bank accounts, charge purchases on their charge cards, create a phony ATM card, etc.

Sometimes, if a victim logs onto one of the phony websites with a smartphone, they could also end up downloading malicious software that could give criminals access to anything on the phone.  With the growth of mobile banking and the ability to conduct financial transactions online, smishing attacks may become even more attractive and lucrative for cyber criminals. 

Don't respond to text messages from unknown or blocked numbers on your mobile phone.  

Treat your mobile/smart phone like you would your computer…don't download anything unless you trust the source.

Don't respond to unsolicited e-mails or texts or phone calls requesting personal information, and never click on links or attachments contained within unsolicited e-mails or texts.

 

"Phone-by" download scam

Criminals try to get users to Download Malware from a malicious website.  Phone scammers try to convince you to install a piece of software that would allow them to remotely monitor and control your computer.

While you are using your PC, you receive a call from a "call center" telling you that your PC was about to crash and that they were calling to assist you.  The call center representative advises you to log onto a website and provides the web address.  Then the criminal tells you to click on a link on that website called 'Remote Assistance' which would enable them to have access to your PC.

Another variation of the scam consists of someone calling and saying they were "technical support" from the user's Internet Service Provider, and emphasized that it was not a sales call.   The caller asked if users' computer had been running slow lately, or if you had seen "404 or 403 errors" when surfing the web, etc.  The caller asks: "Can you turn on your computer, and bring up a web browser? You respond "It's already up?"  Now go to this website ... and click on the 'Remote Assistance' icon." The "Remote Assistance" icon is a link to a file which contains malware to monitor and control your PC.

Be suspicious of unsolicited phone calls/messages or email from individuals asking about your computer or you, or soliciting personal or sensitive client or confidential company information.  

If an unknown individual claims to be from a legitimate organization, try to verify his or her identity directly with the company.

Keep your PC up-to-date with the latest patches and security updates.

Review anti-virus signatures, anti-spyware, and firewall software for current updates.

Do not reveal personal or financial information, and do not respond to email solicitations for this information. This includes following links given by unknown individuals or sent in emails or opening attachments. 

If you do not know who is making a request for personal information, delete the text message/email/voice mail or hang up.

 

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. (https://postalinspectors.uspis.gov/)


Learn More about Fraud

National Identity Theft Website (FTC) (http://www.ftc.gov/bcp/edu/microsites/idtheft/)

Phishing video (FTC) (http://www.ftc.gov/phishing)

OnguardOnline.gov (http://www.onguardonline.gov/default.aspx#)

Giving the Bounce to Counterfeit Check Fraud (FTC)(http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre40.pdf)

FDIC Online Education Tool (http://www.fdic.gov/consumers/consumer/guard/index.html)

Federal Bureau of Investigation (FBI) New E-Scams and Warnings(http://www.fbi.gov/scams-safety/e-scams)

U.S. Computer Emergency Readiness Team (CERT) and the Federal Trade Commission   (http://www.us-cert.gov/nav/nt01)

 

ATM Safety Precautions

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. The following suggestions may be helpful.

  • Be aware of your surroundings, particularly at night.
  • Consider having someone accompany you when the automated teller machine is used after dark.
  • Refrain from displaying your cash at the ATM.  As soon as your transaction is completed, place your money in your purse or wallet.  Count the cash later in the safety of your car or home.  Do not leave your receipt at or near the ATM.
  • It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction.
  • Consider using another automated teller machine or coming back later if you notice anything suspicious.  If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM card and leave.
  • Go to the nearest public area where people are located if you are followed after making a transaction.
  • Do not reveal your Personal Identification Number (PIN) to others.  Avoid allowing others to view your PIN entry into an ATM.  Memorize your PIN and do not write your personal identification number or code on your ATM access device.
  • Report all crimes to law enforcement officials immediately.

 

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