First Federal Community Bank is committed to helping ensure your protection from fraudulent and/or criminal activity via the internet. The following information is intended to help you protect against Internet crime and identity theft.
You may have heard of activities such as phishing and spoofing, but any scheme that uses the Internet to deceive prospective victims can be considered online fraud. We urge all First Federal customers to be vigilant and aware of the various types of fraud that can occur in cyberspace.
Phishing involves an email sent with the intent of wrongfully obtaining the recipient's personal information, such as Social Security numbers, bank account numbers, debit and credit card numbers, user IDs and passwords. The emails are often "spoofed", meaning they appear to be a legitimate communication from a bank, credit card company, or other organization. (See more on spoofing below.)
If you receive a suspicious email, do not open any attachments or click on any links. Also, do not respond to the email. First Federal will never request personal information, including Social Security numbers, account numbers, user names or passwords in email messages or pop-up windows.
Spoofing involves a "shadow copy" of any legitimate website. Access is funneled through the attacker's machine, allowing the attacker to monitor the victim's activities, such as passwords or account numbers entered by the victim. Spoofing can also allow an attacker to gain unauthorized access to a computer or network.
To protect yourself, be wary of unsolicited or unexpected emails from all sources. If you receive an unsolicited email, treat it as you would a suspected phishing attack.
Although identity theft on the internet is growing, it is not as prevalent as identity theft that occurs through more traditional means, such as improperly discarding credit card information or other financial data.
To protect against identity theft, never respond to unsolicited requests for your Social Security number or financial data. Shred all credit card and ATM receipts, undesired pre-approved credit offers and documents that contain personal information. Review your bank and credit card statements promptly as well as your credit report annually. Avoid user IDs and passwords that could easily be associated to you, such as date of birth, telephone number, or a child's name.
If You Are Victimized
Immediately file a police report and contact First Federal and any other parties with whom you have a financial relationship. Label accounts closed due to fraud as "closed at consumer's request", notify credit bureau fraud units and place a fraud alert statement on your credit report. Also, as a victim of fraud, you may obtain free bimonthly copies of your credit report until your case is resolved. There are other important steps you may need to take in the event you are victimized. In addition to contacting the police, First Federal and other financial service providers can provide you with additional information.
For tips to protect your computer, tablet, or phone against cyber criminals, please review our Cybersecurity Guide.
- Report Fraud: 800-525-6285
- Order Credit Report: 800-685-1111
- Report Fraud: 888-397-3742
- Order Credit Report: 888-397-3742
- Report Fraud: 800-680-7289
- Order Credit Report: 800-888-4213
Social Security Administration
- Report Fraud: 800-269-0271
- Order Benefits & Earnings Statement: 800-772-1213
Reporting Fraudulent Check Use
- Check Rite: 800-766-2748
- Chexsystems: 800-428-9623
- CrossCheck: 707-586-0551
- Equifax: 800-437-5120
- National Processing Co.: 800-526-5380
- SCAN: 800-526-5380
- TeleCheck: 800-710-9898