Security Tips

In today's digital world, FNB is dedicated to protecting your financial information. Learn ways to help protect yourself — both on and off the web.

 

Our Network Security

We protect our secure computer servers with numerous firewalls along with specialized hardware and software that control communication between our computer network and that of our core processor. Firewalls are continuously monitored with sophisticated Intrusion Prevention and Detection software.

We Protect Your Personal Information

Physical, electronic, and procedural safeguards that meet applicable regulation are in place to protect this information.  Our employees are trained in the proper handling of private customer information. Third party providers used by FNB are required to sign agreements to protect the confidentiality of information we may submit to them. First National Bank is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, you may view our privacy policy by clicking below.

Tips for safeguarding your information:

  • Never give your Social Security number or other personal information about yourself to someone who calls you.  Always shred receipts, bank statements and unused credit card offers before throwing them away. Review statements promptly for any unauthorized charges. Notify the bank if you are not receiving your monthly statements.
  • Order copies of your credit report once a year to ensure accuracy. You may call 1-877-322-8228 for a free credit report from any or all three credit reporting agencies.
  • Be cautious when opening email you are not expecting, especially if it came from unknown sources. But don’t believe a link to be safe because you recognize the sender’s name. Certain malware types will harvest your address book and spoof the sender name to one you recognize. Or your friend’s system may be compromised and sending out malware without their knowledge. Use virus detection software.
  • Protect your PINs (don’t carry them in your wallet!)

Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately at the numbers shown below.

  • TransUnion: (800) 680-7289
  • Experian: (888) 397-3742
  • Equifax: (800) 525-6285

If you become a victim, contact the fraud departments of the three major credit reporting agencies at the numbers shown above and the creditors of any accounts that have been misused. Contact the local police to file a report. Contact your bank to cancel existing accounts held in your name and reopen new accounts with new passwords. Change passwords on all existing online accounts.

So they say it’s the IRS??

Here are five ways to know it’s a scammer.  The IRS will NEVER:

  • Call to demand immediate payment, nor will they call about taxes owed without first having mailed you a bill.
  • Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe.
  • Require you to use a specific payment method for your taxes, such as a prepaid debit card.
  • Ask for credit or debit card numbers over the phone.
  • Threaten to bring in local police or other law enforcement groups to have you arrested for not paying.

Credit Report Pop-ups

Pop-ups urging you to click for your free credit report are not sponsored by First National Bank.  These pop ups are internet spam.  First National Bank recommends closing such pop-ups, and running a virus and malware scan of your computer.  First National Bank has not partnered with these sites and does not endorse the products being offered.

The Fair and Accurate Credit Transactions Act (FACT Act) allows all consumers the right to obtain one free credit report from each of the three credit reporting agencies once a year.  If you would like to obtain your free credit report please visit www.AnnualCreditReport.com.

Tips to protect yourself:

  • Do not click on web links or pop-ups.
  • Regularly scan your computer for viruses and malware.
  • Ensure your antivirus program contains malware protection.
  • Ensure you have the latest security patches for your computer operating system.
  • Do not open email messages or attachments from unknown senders.
  • Do not click on email web links from unknown senders.
  • Never reply to unsolicited emails or pop-up websites asking for sensitive personal information.

Tips for Smartphone users

  • Update operating systems and security software to protect against threats.
  • Enable encryption on your smartphone as the best way to safeguard information stored on the device, thwarting unauthorized access.
  • Use a Passcode.  Enable strong password protections on your device. Include a timeout requiring authentication after a period of inactivity.
  • Download anti-virus protection on your smartphone. You are carrying a computer around with you, susceptible to the same threats as your desktop or laptop computer. Employ all the same precaution and security measures as you would any other computer.
  • Do not use public Wi-Fi.  Do not log into accounts and do not conduct any sensitive transactions, such as shopping or banking, while using public Wi-Fi.  Disable the “automatically connect to Wi-Fi” setting on your device.
  • Disable unwanted services when not in use.  Bluetooth and Near Field Capabilities (NFC) can provide an easy way for an unauthorized user nearby to gain access to your data.  Turn these features off when they are not required.
  • Carefully dispose of mobile devices.  With the constant changes in smartphone market, many users frequently upgrade to new devices.  Make sure you wipe the information from your smartphone before disposal. For information on how to do this, check the website of your mobile provider or manufacturer.

If you are contacted by First National Bank

FNB will never ask for your personal or account information via phone, email or text message.  FNB will never ask you for your ATM/Debit card PIN for any reason, and we will never contact you via email regarding sensitive financial information.  If someone calls identifying themselves as FNB staff and requests personal information, hang up. Call us back using a number you already know to learn if the call was legitimate.

Protect Yourself From "Phishing" Scams!

Find out more from the official website of the Office of the Comptroller of Currency.

http://www.occ.treas.gov

 

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