Protect Yourself Against Identity Theft
Identity theft occurs when a thief obtains and uses your personal and financial information, such as your Social Security Number and bank account numbers, without your permission to commit fraud or other crimes. Skilled thieves have a variety of ways to obtain your personal information including: stealing your mail (i.e. bank and credit card statements, tax information, new checks or credit card offers), phishing online or completing a change of address form to divert your mail. Identity theft is a rising crime around the world. For instance, according to the Federal Trade Commission’s Consumer Sentinel complaint database, there were over 635,000 consumer fraud and identity theft complaints and reported losses of more than $547 million. Farmers National Bank has gathered some information from the experts for you to read. Visit one of the sites below for detailed information on identity theft and how to report an incident, tips on how to protect yourself and more statistics on reported incidents.
Identity Theft References:
Click Here to download a brochure on Identity Theft.
Personal Computer Safety Tips
Protect Yourself Online
Farmers National Bank has strong security procedures, but you need to protect the security of your computer. Here are the basics of protecting your computer:
- Install a firewall.
A firewall helps protect your computer from hackers accessing information on your computer and blocks the use of offensive Websites. Many computer operating systems already have firewalls installed, you just have to turn them on.
- Install anti-virus software.
New viruses are created every day. Anti-virus software protects you and the people you communicate with via e-mail by detecting infected files and eliminating the spread of the virus.
- Install anti-spyware software.
Anti-spyware protects you from a number of unwanted marketing solicitations such as pop-ups and e-mails that can deceptively install Internet tracking devices on your computer.
- Keep your software updated.
Regularly update your operating system, browser, anti-virus and anti-spyware software. Be sure to scan your computer with your anti-virus and anti-spyware software regularly.
Internet and E-mail Tips:
- Delete e-mails from unknown senders.
Do not open e-mails from a sender you do not know. If a virus is attached to the e-mail, it can be released simply by opening it and will infect your program files. In some cases, it replicates by automatically mailing to your entire e-mail address book.
- Do not provide your personal information in an e-mail.
Even when communicating with family and friends, avoid sending personal information via e-mail. The Sender Address (“From” field) is easy to forge, so you may in fact not be communicating with people you know. In addition, the unsecured nature of e-mail makes it possible for others to see this information.
- Learn to spot fraudulent e-mails.
Be aware that counterfeit e-mails often contain logos, hyperlinks and phone numbers that appear to be authentic. Other common identifiers of fraudulent e-mails are misspellings, poor grammar or random characters in the subject line. E-mail scams will try to trick you by:
- Creating a false sense of urgency such as the closing of an account
- Offering prizes and other rewards
- Pretending to confirm recent transactions or verify account information
If an unexpected e-mail requests you to enter a user ID or password, provides a Website link that requests personal information or attempts to rush you into responding, it is more than likely a fraudulent e-mail. You should never respond to these requests.
- Protect your passwords.
Try to pick passwords that are easy for you to remember but not easy for others to guess. Avoid using Social Security Numbers, birthdays, telephone numbers or other personal information as your usernames or passwords. Do not write them down or share them with anyone. Longer passwords and passwords that combine letters and numbers are more secure. As an added layer of protection, it is a good practice to change your passwords on a regular basis.
- Disconnect from the Internet when idle.
Turn off your Internet connection when you’re not using it. Attackers cannot access your computer when it isn’t connected. High-speed connections are especially at risk.
- Avoid downloading programs from unknown sources.
If you are unfamiliar with the source providing the program, avoid downloading the program. It could potentially contain hidden programs or viruses that can com promise your computer’s security.
- Carefully review all End User Licensing Agreements.
If the licensing agreement is difficult to understand, avoid downloading that software. It may contain spyware.
If you ever believe that your accounts at Farmers National Bank have been improperly accessed, please call our Internet Banking Department at 1-877-862-9270. As a Farmers National Bank customer, we want you to be informed about security events. We offer the following links to articles and Websites to assist you in taking the appropriate action to protect yourself.
Protecting Yourself Online References:
- Website: www.lookstoogoodtobetrue.com - Contains victim’s stories, tips on current scams, and alerts to help prevent consumers from becoming victims of Internet fraud schemes. www.lookstoogoodtobetrue.com
- Website: Security at Home - Microsoft offers steps you can take to improve your computers security.
- Website: GetNetWise - Internet Education Foundation Web site offers solutions for protecting you and your kids online.
Protect Yourself Against Phishing Scams
At Farmers National Bank, the security of your private information is very important to us. The following is pertinent information on how to protect yourself against potential security risks.
What is “Phishing”?
- One of the most common forms of stealing your banking account information is through a process called "Phishing". This is a scam that uses email to deceive you into disclosing personal information.
How to Spot “Phishing”?
- It's easy to spot a scam . . . if you know what to look for. The email and linking Website may appear authentic. It may look just like our Website. These are clear indicators that someone is "Phishing" for your information:
- It may ask you to "update" or "validate" your account information! Farmers National Bank will never ask for private information by email or unsecured Website.
- Often it will threaten some consequence if you don't respond.
Steps to Avoid Being “Phished” . . .
- If you receive a suspicious email from Farmers National Bank requesting personal information such as Social Security Number, banking and credit card numbers, user names and passwords, follow these important guidelines:
- Do not reply to the email, even if it appears urgent.
- Do not use the links from the email to open any Web page
- Alert Farmers National Bank immediately at (877) 862-9270. Don't call any phone numbers appearing on the email.
If you think you’ve been “Phished” here’s what to do now . . .
- Contact Farmers National Bank immediately.
- Place a fraud alert on your credit report with the three major credit bureaus. Also request to review
- Equifax: 1-888-766-0008
- Experian: 1-888-397-3742
- Trans Union: 1-800-680-7289
- Close the accounts that you know or believe have been tampered with or opened fraudulently.
- File a complaint with the Federal Trade Commission.
- File a report with local police.
Click Here to download an informational brochure on Phishing Scams.
Should you have any questions or concerns, please contact your local Farmers National Bank location or call our Customer Support Center, 877-862-9270.