Fraud Protection

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Fraud Protection

The security of your personal information is always a priority at First State Bank.
We work hard to help ensure your account information is always secure.

Internet Fraud

First State Bank will never contact you for any information by e-mail. You should never respond to an unsolicitated e-mail that asks for any personal or financial information. If you ever become a victim of identity theft, let First State Bank know. We are here to help!

Consumer Tips to Avoid Becoming a Victim

  • Don’t give your Social Security number or other personal credit information about yourself to anyone who contacts you.
  • Tear up receipts, bank statements and unused credit card offers before throwing them away.
  • Keep an eye out for any missing mail, sign up for 1stStatements and receive your statements online!
  • Review your monthly accounts regularly for any unauthorized charges.
  • Order copies of your credit report once a year to ensure accuracy.
  • Choose to do business with companies you know are reputable, particularly online.
  • When conducting business online, make sure your browser’s padlock or key icon is active.
  • Don’t mail bills from your own mailbox with the flag up, let FSB mail those bills for you using 1st Payments!
  • Don’t open email from unknown sources and use virus detection software.
  • Protect your PINs (don’t carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
  • Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.

Stop, Think, Click

You can minimize the chance of an Internet mishap by adopting these practices:

  • Protect your personal information. It’s valuable.
  • Know who you’re dealing with.
  • Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly.
  • Make sure your operating system and web browser are set up properly and update them regularly.
  • Protect your passwords.
  • Back up important files.
  • Learn who to contact if something goes wrong online.

Click here for a PDF of this information in more detail.

Fraud Watch Plus

First State Bank teams with Fraud Watch Plus:
 
24/7 fraud prevention services on your FSB debit card.
    
When possible fraud is detected, you will be called to verify authenticity of transaction.  Fraud Watch will ask 2 specific questions of you personally.  Your card will be stopped if fraud is detected.  
 
It is imperative that FSB has your CORRECT contact information.  Please call your local First State Bank branch, to update phone
numbers or email information.
 
YOU can now personally stop your card after hours if lost, stolen or you detect fraud by calling:  1-800-264-5578.


If you are traveling abroad and need to add a travel note to your account, please call: 1-412-552-2697

Consumer Tips for Victims

  • If you suspect your identity has been stolen, call your bank and credit card issuers immediately so they can start to work on closing accounts and clearing your name.
  • File a police report and call the fraud unit of three credit-reporting companies (see phone numbers below).
  • Consider placing a victim-statement in your credit report.
  • Make sure to maintain a log of all the contacts you make with authorities regarding the matter. Write down names, titles, and phone numbers in case you need to re-contact them or refer to them in future correspondence.
  • For more advice, contact the Federal Trade Commission’s ID Theft Consumer Response Center at 1-877-ID THEFT or www.consumer.gov/idtheft

Fraud Unit Numbers

 


Trans Union: (800) 680-7289


Experian: (888) 397-3742


Equifax: (800) 525-6285


FraudWatch Plus: 1-800-264-5578

                                   1-866-842-5208


 

Internet & Identity Fraud Links



© 2012 First State Bank

Online Security Guarantee