Security Fraud Prevention Center
At Forreston State Bank, our first priority is protecting your sensitive personal information. We adhere to strict bank-wide security procedures to safeguard your accounts, and we work to proactively detect and prevent fraud. Forreston State Bank utilizes advanced Online Banking security technology to ensure your privacy and protect your identity.
Here are some tips on how you can protect yourself.
Phishing and Spoofing
The most common types of Online Fraud are Phishing and Spoofing. These usually come in the form of fraudulent e-mails that appear to originate from legitimate sources. These e-mails ask customers to verify personal information (phishing) or link to counterfeit (or spoofed) Websites that appear real.
Watch for e-mails that:
- Urge you to act quickly because your account may be suspended or closed, or to update your personal information.
- Don't address you by name, but use a more generic one like "Dear Valued Customer."
- Ask for account numbers, passwords, Access IDs, or other personal information.
Forreston State Bank will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via e-mail.
Other Common Fraud Methods
Criminals may also use other contact methods to obtain your private information. These include text messages (also known as short message phishing or "smishing") and through phone calls (also known as voice phishing or "vishing"). You might receive a text message, phone call, or voice mail warning that your account may be suspended, frozen, or compromised unless you visit a particular website or call a designated phone number where you will then be asked for personal information. These scare tactics are designed to convince you to provide your information or face negative consequences.
Again, Forreston State Bank will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via e-mail.
What is Identity Theft?
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 section contains valuable information explaining 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.
- Don't give out personal information on the phone, through the mail, or Online unless you've initiated the contact or are sure you know who you're dealing with.
- Don't carry your Social Security card with you; leave it in a secure place.
- Carry only the identification and credit and debit cards that you need.
- Don't put your address, phone number, or driver's license number on credit card sales receipts.
- Social Security numbers or phone numbers should not be put on your checks.
- Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.
- Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead.
- Secure personal information in your home, particularly if you have roommates or hire outside help.
- Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call your local U.S. Postal Service to request a Vacation Hold.
- Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
- Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?
Check Your Credit Report
Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized. Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies.
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.
Free Credit Report
To obtain your free credit report, consumer can call 1-877-322-8228, or order online at
www.annualcreditreport.com or complete the Annual Credit Report Request Form, available
at www.ftc.gov/credit and mail it to:
Annual Credit Report Request Service
P.O. Box 105281,
Atlanta, GA 30348-5281
To Report Fraud:
call: 800-525-6285 or
write: PO Box 740241
Atlanta, GA 30374-0241
Consumer Credit Reporting Agencies
To Report Fraud:
This website was created by the federal government to help people be safe, secure, and responsible online. This website is part of the National Initiative for Cyber security Education.