Combating fraud and helping you to protect yourself
against the financial scams and crimes committed today is of great importance
to us. That’s why we want you to be
aware of the latest fraud and scams that could affect you and your accounts. We invite you to take a few moments and
browse this portion of our website.
You’ll learn some of the precautions you can take to keep your finances
Criminals often use email to try
and trick people into divulging their private account information.
Important: First Federal will never ask you to reply to an email with personal information. If you receive such an email, please contact First Federal Bank immediately. Report your suspicious email to Susan Humphrey at 1-859-253-2605, ext. 226, or email@example.com.
Follow these steps to avoid
send information, such as credit card, bank account or Social Security numbers
by email. It is not secure.
open email messages sent by people you know and companies you trust.
not open email attachments unless you are certain you can trust the source,
because a virus could be included.
alert for email scams. If you receive
an email you think could be a scam, delete it immediately, then contact the FTC
at www.ftc.gov or call toll free at
Identity theft occurs when someone uses your personal
information such as your name, Social Security number, credit card number or
other identifying information, without your permission to commit fraud or other
theft is a serious crime. People whose
identities have been stolen can spend months or years – and their hard-earned
money – cleaning up the mess thieves have made of their good name and credit
record. In the meantime, victims may
lose job opportunities, be refused loans, education, housing or cars, or even
get arrested for crimes they didn’t commit.
to take to make yourself less vulnerable to identity theft.
Protect your debit and
-Sign all new cards immediately.
-Store your cards in a safe place where you will know right away if one
-Report lost or stolen cards immediately. To report a lost or stolen First
Federal Bank ATM/Debit card, call:
|During business hours call:
|After hours, call:
-Don’t ever leave your card as a “security deposit”. Use your driver’s
license or other ID if necessary.
-Never let anyone borrow your card.
-Watch your mail closely if you are
expecting a new or replacement card.
-Never carry your PIN with you or write it on the back of your card.
-Don’t use any obvious number, such as your date of birth or phone number
for your PIN.
-Always notify your bank and other credit issuers with change of address or
-Close all inactive accounts.
Safeguard your credit.
-Keep a list of account numbers in a safe place along with contact numbers and addresses.
-Review your credit reports regularly. This is the best way to find out if
you’ve been a victim of identity theft.
You can obtain a copy of your credit
report from one of the following credit bureaus:
TransUnion - 1-800-888-4213
Keep your personal information personal.
-Don’t leave receipts at
ATMs, bank computers, supermarkets or gasoline pumps.
-Never let anyone put your
bank or credit card account numbers on a check or any other document not
associated with a purchase on your account.
-Tear up or shred all
receipts and mail you no longer need before throwing them out.
-Don’t throw any personal
information in a public trash container.
Secure your computer.
-Don’t download files sent
by strangers. Opening a file could
expose your system to a computer virus that could access your personal
-Use a secure browser –
software that encrypts or scrambles information you send over the Internet – to
guard the security of your online transactions.
-Delete all personal information before you dispose of a computer.
-Look for website privacy policies. They answer questions about
maintaining accuracy, access, security, and
control of personal information
collected by the site.
-Remove mail as soon after
delivery as possible.
-Deposit outgoing mail in
post office collection boxes or at your local post office.
yourself on the phone.
-Never give your account
number, Social Security number or any other identifying information when
receiving an unsolicited phone call.
-Keep items with personal information in a safe place at
-Don’t carry your Social Security card with you or write your
number down on
anything you carry.
Steps to take if you think your identity has been
Contact the fraud departments of any one of the three major
credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to
contact you before opening any new accounts or making any changes to your
existing accounts. As soon as the
credit bureau confirms your fraud alert, the other two credit bureaus will
automatically be notified to place fraud alerts, and all three credit reports
will be sent to your free of charge.
the accounts that you know or believe have been tampered with or opened
a police report. Get a copy of the
report to submit to your creditors and others that may require proof of the
your complaint with the Federal Trade Commission. The FTC maintains a database of identity theft cases used by law
enforcement agencies for investigations.
You can contact the FTC at www.consumer.gov/idtheft
or call toll-free 1-877-ID-THEFT (1-877-438-4338).
Phishing is one of the latest cons used by high-tech
criminals to facilitate one of America’s leading forms of fraud - identity
theft. Basically, the scam uses spam
(unsolicited e-mail) to bait consumers into disclosing sensitive personal
information-such as social security numbers, credit card numbers, personal
identification numbers, passwords, and other private data.
These unsolicited e-mails
give the appearance of being from legitimate businesses. In fact, fraudsters usually pick a business
that the potential victim actually does business with. The fraudsters tell the e-mail recipients
they need to “update” or “validate” their billing information to keep their
accounts active. To help set the hook,
they even direct their potential victims to a web site that imitates the look
of the legitimate web site – with logos, colors, and designs to match. The consumers then submit their information
to the impostor, who then uses the personal data to commit identity theft.
Steps to avoid the Phishing
you get an e-mail that warns you-with little or no notice- that an account of
yours will be shut down or interest suspended unless you reconfirm your billing
information, do not reply or click on the link in the e-mail. Instead, contact the legitimate company
cited in the e-mail using a telephone number or web address you know to be genuine.
for the “lock” icon on the browser’s status bar before submitting financial
information through any website. It
signals that your information is secure during transmission.
credit card and account statements as soon as your receive them to determine
whether there are unauthorized charges.
e-mailing personal and /or financial information.
suspicious activity to the FTC at www.ftc.gov
or call toll free at 1-877-382-4357.
www.ftc.gov/spam for other ways to
prevent e-mail scams and to learn how to deal with deceptive spam.
As your financial institution, we want to help you
combat fraud. One of the best ways to
fight it is to educate yourself and be aware of a possible scam before it
happens to you. Be cautious when
providing information, and learn the steps you can take to help protect your
sensitive, personal information in an attempt to stay ahead of these criminals.