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Fraud Center

 

Fraud Center

For generations, we have held true to the principle of integrity. When you trust us for your financial needs, you can have confidence that we place the utmost importance on protecting your privacy and securing your sensitive information. It is important that you recognize the threats to your information so you can also protect yourself!

 

Falcon Fraud

  • Debit card transactions are monitored and assigned a score based on risk. If the transaction is determined to be high risk, the fraud automated system will attempt to contact you via phone or text message to determine whether the transaction is legitimate. The system will verify who they are talking to by verifying the last four digits of your social security number. If the transaction in question is confirmed as fraud, you will be transferred to a live representative. If the fraud system can’t make contact with you, a temporary block may be put on your debit card to prevent fraudulent transactions.
     
    If you plan on traveling, please contact your local branch so we can inform the fraud automated system that transactions may be out of the ordinary and ensure they do not get blocked.

Has Your Debit or ATM Card Been Lost or Stolen? 

  • If your debit card has been lost or stolen, please contact your local branch. After 5:00pm, please call 1-888-227-3096.

Personal Information Security Threats

There are a number of methods that offenders employ to use your personal information without your knowledge to personally profit at your expense.

  • Identity Theft - Identity theft occurs when your personal information is used by someone else to open new accounts or initiate transactions in your name. Identity theft occurs through a number of ways offline - from stealing wallets and purses, intercepting and rerouting mail or rummaging through garbage. In addition, there are numerous online and electronic means that fraud artists use to attempt to steal your identity.
    Ten Simple Things You Can Do to Fight Fraud and Identity Theft
    Your ID's Been Stolen. Now What?
  • E-mail or Online Fraud - Offenders can also obtain personal information via online methods, such as phishing and spoofing. With phishing and spoofing, an e-mail header is forged to make it appear as if it came from someone other than the actual source. The e-mail message may direct you to a web site that looks just like the legitimate source's web site, but isn't. In these cases, the e-mail or pop-up messages are used to deceive you into disclosing sensitive personal information so that the offender may use your information to make fraudulent purchases, access your accounts or steal your identity.
    What is Phishing?
  • Skimming - Skimming, which occurs when your credit or debit card account information is captured in a data storage device, is a practice offenders employ to create counterfeit credit or debit cards from your account information. Your card may be swiped first for an actual purchase, and then swiped again into a small hand-held device called a skimmer, or a skimmer may be attached to an ATM machine or unattended gas pump where you swipe your card or enter your card information.
  • Scams - You should also be aware of other online and mail scams. As a general rule, if it seems to be too good to be true, it probably is, so be aware!
    • Other Scams - Be aware of other scams, such as spam e-mails, chain letters and persons purporting to be representatives of government departments, financial institutions or other businesses. Do not give or send your name, bank account details, copies of your passport, birth certificate or any other personal details to anyone other than for legitimate purposes. Be suspicious of any correspondence received from overseas where you have been advised to forward large sums of money or that you have won a prize.
    • E-mail Employment Scam - Victims of this scam are asked to provide their bank account details to a prospective employer with the view to facilitate transfer of funds to overseas parties. In return the victims are compensated by a commission payment. However the funds transferred have been obtained fraudulently. Do not provide bank account details to any prospective employer until you are satisfied with the bona fides of that employer and/or you have signed contracts of employment.
    • Spanish Lottery Scam - Victims of this scam receive a letter advising them they have won a large prize from the 'Spanish Lottery'. In order to collect the prize, they must send money before a certain date to a bank account in Spain to cover the cost of traces, bank fees, delivery and insurance costs.
    • Nigerian Scam - Fraudsters have been sending out letters inviting individuals to participate in a scheme that ultimately turns out to be non-existent. Usually, the letters purport to be from a government official who needs help in distributing millions of dollars out of the country in return for a cut of the money. Recipients of the letters are required to divulge bank account details and forward tens of thousands of dollars in "advance fees".
  • Tips for Protecting Yourself - By increasing your awareness about the common threats against the security of your personal information, managing your personal information wisely and cautiously and exercising vigilance, you can minimize your risk to fall victim. We work continuously to protect your privacy and secure your personal information. But there are also a number of steps you can take to reduce your susceptibility.
    Specific steps you can take to protect yourself
 

Fraud Alert Information 

    Click here for more information on Fraud Alerts!

 

 

 
  

 

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