Security Resources

Top 10 precautions online banking customers should consider according to FDIC Consumer News.

1. If you bank online, frequently check your deposit accounts and lines of credit to spot and report errors or frequent transactions, just as you should with traditional banking.
2. Never give your Social Security number, credit or debit card numbers, personal identification numbers (PINs) or any other confidential information in response to an unsolicited e-mail, text message or phone call, no matter who the source supposedly is.
3. Don’t open attachments or click on links in unsolicited e-mails from anyone you don’t know or you otherwise aren’t sure about.
4. Watch out for sudden pop-up windows asking for personal information or warning of a virus.
5. Use a mix of security tools and procedures.
6. Beware of check scams.
7. When shopping online, deal with reputable merchants and be wary of unbelievably low prices.
8. Using a credit card generally offers more purchase protection than a debit card or other electronic forms of online payment.
9. Be on guard against scams hiding behind online coupon offers.
10. Be careful if you download banking software onto a cell phone.

ID TheftSmart

In the last year, approximately 13 MILLION Americans were victims of identity theft. Last year in the United States, someone was victimized by identity theft every two seconds. The Federal Trade Commission estimates $16 billion were stolen from 12.7 million identity theft victims in the last year.

Early detection of fraudulent activity by:

1. New account openings
2. Credit inquiries
3. Payment delinquencies
4. Public record changes
5. Change of address

Now through December 31st, 2017 NO CHARGE for single bureau credit monitoring!*

* No charge for the Experian Credit Bureau from now until December 31, 2017. After this date customers will be charged a monthly fee of $5.99. This charge will be auto deducted from their First Security Bank checking or savings account. If the customer wishes to cancel ID Theftsmart they must call First Security Bank by 12/31/2017 to avoid unwanted fees.

Get started today with 2 easy steps!

1. Step 1: Contact Us to sign up and receive your credit monitoring ID#
   Contact Us
    
2. Step 2: Credit Monitoring Login/Registration with ID#
   Login/Registration

Social Networking Security

Social networking websites such as Facebook and MySpace allow you to reconnect with old friends and make new ones.  They allow you to share ideas and the events of your life with the people in your network. However, the ease with which people can obtain the personal information you make available can be cause for security concerns. If you use social networking sites, you can protect yourself by following a few simple guidelines.

Limit your available personal information 

Be wary of making too much personal information available online. Online banking and e-commerce sites frequently use “challenge questions” to help you recover a forgotten password, or for other security purposes. Often, your online profile will contain enough information to answer these questions. If a hacker has access to this information, he may be able to break into your online banking account. In fact, some online quizzes are nothing more than veiled attempts to gather answers to challenge questions.

Use privacy settings to restrict who can access your information…

Most social networking websites provide a way to limit what information is available and who can see it. Familiarize yourself with how the privacy settings work, and set them to limit your exposure as much as possible. If your social networking website has no privacy settings, consider taking your online socializing elsewhere.

… But don’t rely on them

E-commerce websites are held to a higher security standard than most other websites. Social networking sites have a spotty track record when it comes to protecting personal information. Even if your favorite website provides privacy settings, it may not enforce them as well as advertized.

Vary your password

Use a password for social networking websites that is different from the ones for your e-mail, e-commerce and financial websites. Ideally, you should use a different password on each website.

Know who you are “friending”

Consider refusing friend requests from people you don’t know. They may be interested in more than your friendship.

Beware of following links

Links sent in messages sometimes lead to websites that distribute malware. Consider the source of the message: is it from someone who never sends you messages? Does the message sound like something your friend would send? If it looks suspicious, ask your friend if they really sent it. If they didn’t, their computer may be infected with malware which actually sent you the message.

Talk to your kids about security

If you have children, talk to them frequently about how to remain safe online:

• Help your kids understand what information should be private.
• Explain that kids should post only information that you – and they – are comfortable with others seeing.
• Use privacy settings to restrict who can access and post on your child's social networking website.
• Remind your kids that once they post information online, they can't take it back.
• Tell your kids to trust their gut if they have suspicions. If they ever feel uncomfortable or threatened by anything online, encourage them to tell you.
• Consider using the social networking website your kids do, and become part of their network.

ATM Awareness

ATM attacks are among the most prevalent forms of fraud striking bank customers around the world today.  Your best defense to this threat is to read and follow the tips below to help reduce ATM skimming incidents.

1. Be wary of anything about the ATM machine that looks out of the ordinary, such as odd-looking equipment or wires attached to the device.
2. Look for a “no tampering” sign.  Crooks often place these to stop anyone curious about a new piece of equipment.
3. Avoid a jammed ATM machine that forces customers to use another ATM that has a skimmer attached.  Often, the criminal will disable other ATMs in the area to draw users to the one that has the skimming device attached.
4. Check your bank account(s) regularly to make sure there are no unusual or unauthorized transactions. 
5. If you see anything unusual or suspicious around the ATM, or if you find unauthorized ATM transactions on your bank account, immediately notify local law enforcement, as well as Farmers State Bank.
6. Always protect your PIN: Do not give the number to anyone, and do not write your PIN on or anywhere near your card. Always cover the keypad while you are entering your PIN.

Farmers State Bank is very vigilant about this particular threat and inspects all ATMs on a periodic basis.  Together, our combined efforts offer the best defense to these increasingly sophisticated crimes.  Thank you for reading.