Security Awareness FAQs
Security Awareness
FSNB (FSNB) will NEVER send you an e-mail asking for personal identification numbers or any other confidential information such as your account numbers, Debit Card PIN or login passwords. Do not respond to any e-mail communication claiming to be from FSNB which threatens to close your account or lock your account or requests you to click on a link in an e-mail. Delete the e-mail immediately. Like many other companies, FSNB is concerned about the increased attempts to breach the privacy of customers by tricking you into responding to e-mails that appear to be sent by FSNB. When we need to contact you, it will be done in a general way that informs you of our message but NEVER asks for your personal and confidential information. Your privacy is our utmost concern.
Contact FSNB at once if you believe another person has improperly obtained your online banking login identification and password. Also, notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. If a compromised password results in a loss or theft, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50. If you do NOT tell us within two business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500. Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us at once. If you do not notify us within sixty days after the paper or online statement was sent to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty days. These protections are provided for consumer accounts only; business accounts are excluded.
To notify FSNB call 1-800-749-4583, Monday through Friday from 7:00 a.m. to 7:00 p.m., Saturday 8:00 a.m. to 1:00 p.m. (Central Time)
In the event that you notice suspicious activity on your account, please contact FSNB at 1-800-749-4583 and then dial either extension 2192 for the online banking Department or 2743 for the Security Department.
Phishing
This is an attempt to illegally gather personal and financial information by sending an email message that appears to be from FSNB or a trusted company. You might be asked to validate or confirm your personal information by sending a reply, clicking on a link, or opening an attachment.
Pharming
Pharming is another form of online fraud, very similar to Phishing. Instead of waiting on the user to click the enticing link in the fake email (phishing), pharming will re-direct you to a bogus website even if you type in the correct web address of the bank or online service into their web browser.
Smishing
Smishing is a variation of phishing where cyber thugs use SMS text messaging to target mobile banking customers. Obviously, mobile banking is becoming more and more common; criminals know this and will become very efficient at digging for your information.
Work-at-Home-Scams
Work-at-home schemes attract otherwise innocent individuals, causing them to become part of criminal schemes without realizing they are engaging in illegal behavior. Work-at-Home-Scams often provide criminals the opportunity to commit identity theft allowing the criminal access to your financial information.
FBI Fraud Alert
Have you ever been notified that you are the winner of a Lottery that you never entered? Have you been asked to pay money to receive a deposit from another country? These are just a couple of examples of fraud or ways that criminals can scam you. If you think that you have been a victim contact your bank and the authorities immediately.
Identity Theft Protection
Identity theft has become one of the most common crimes in today's society. To protect yourself financially from an identity thief, you need to block the ability of the identity thief to use your personal information for their financial gain and your financial harm.
What's in Your Wallet
Most people carry more personal information in their wallet than is needed on a daily basis; everything from credit and debit cards, to health insurance cards, to voter registration cards. Your wallets and purses contain treasures for an identity thief. What should you be carrying in your wallet?
Credit Report
Your credit report is used by lenders to determine if you are credit worthy but also to help you detect identity theft. Your credit report determines your credit score, which is the number that lenders use, the higher the score the better your chances of getting a loan or a credit card. You can also check your credit report to verify that the accounts listed are all accounts that you have opened.
Your Access to Free Credit Reports
You can have access to all three of your credit reports once a year. The three different credit reports are similar but not identical. You do have to be careful because there are many websites that state they offer you a free credit report but may charge you for other services. Checking your credit report yearly is recommended to keep your information accurate.
Credit Freeze
By placing a credit freeze on all three major credit bureaus you maintain control over who can access your credit file and when, also blocking identity thieves from opening accounts in your name. Credit freezes are also called security freezes by the credit bureaus.
Active Duty Alerts
If you are a member of the Military and have been called away from your normal duty station, you may place an "Active Duty Alert" on your credit file to help minimize identity theft while you are deployed. Active duty alerts are effective for one year unless you request the removal of the alert sooner.
Card Protection
The best protection against card fraud is to know where your cards are at all times and to keep them in a secure location. The following suggestions may help you protect your credit card and ATM/debit card accounts.
Our fraud protection Services will never ask for your full card number and/or expiration date and/or security code
If you receive a phone call asking for full card number and/or expiration date and/or security code do not divulge any information to the caller And report the concern to FSNB immediately.