- Our Bank
- For Sale
TYPES OF FRAUD
Phishing - Criminals use fraudulent emails (known as phishes) or pop-up web pages that appear legitimate and are designed to deceive you into sharing personal or account information. The phishes often include logos of legitimate companies, content from their web sites, and names of real employees. Many scammers randomly generate email addresses - that's why you may have received fraudulent emails that appear to be from banks you do not have an account with. They may also obtain email addresses online from Web pages, chat rooms, online auctions, directories or other sources.Watch for emails that:
We will NEVER ask for sensitive information, such as account numbers, access IDs or passwords, via e-mail. Tips from the American Bankers Association for safeguarding your information:
Pharming - Pharming occurs when you type in a Web address and it redirects you to a fraudulent Web site without your knowledge or consent. The Web site will try and look similar to the legitimate site in hopes of capturing your confidential information.
Credit Card Fraud - Credit Card fraud can occur when someone takes your card and uses it without your consent. It can also happen when the card sits safely in your wallet.
Phone Solicitations - Scammers will attempt to randomly call people with hopes to lure them with cash gifts or prizes in exchange for personal or account information.
Print Fraud - Scammers will use local and community newspapers publishing fake advertisements with special rates and offers. If clients call, they are asked for their personal information and for an advance payment before the transaction can be completed.
Check Scams - Scammers will overpay for an item purchased and ask the difference to be wired back. Most times the check was counterfeit or forged for a higher amount.
Mail Fraud - Mail fraud occurs when scammers illegally intercept your mail or when you receive unrealistic offers.
If you become a victim, contact:
Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.
No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.
Order copies of your credit report once a year to ensure accuracy. You may call 1-877-322-8228 for a FREE credit report from any or all three credit reporting agencies. (The law allows credit bureaus to charge you up to $9.00 for an additional copy of your credit report.)
Make sure it is accurate and includes only those activities you have authorized.
By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don't underestimate the importance of this step.
Equifax - www.equifax.com
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285
Experian - www.experian.com
To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)
TransUnion - www.transunion.com
To order your report, call: 800-916-8800
To report fraud, call: 1-800-680-728