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Lost or Stolen Card?

If your ATM or debit card goes missing, be sure to report it immediately.

Lost or Stolen Card?

Fraud Protection

Identity theft and consumer fraud can happen in an instant, so it’s important to protect yourself. Follow these tips to ensure you’re prepared and know what to do if you suspect fraudulent activity.

  • Consider getting identity theft protection from trusted companies like LifeLock®. There are several different membership plans to choose from based on your needs and budget.
  • Visit the Education Center to watch videos on fraud and scams.
  • You can also download our e-FNB Mobile Banking App to turn cards on and off, receive real-time debit card alerts, set limitations of where your debit card can be used, or set low balance alerts. Download the e-FNB Mobile Banking App in the Apple or Google Play stores.
  • Visit www.identitytheft.gov if you become a victim of identity theft.
Fraud Protection

Social Media Cybersecurity

Here are a few simple tips on how to be cyber smart while engaging in online activities:

  • If you connect it, protect it. No matter what device you are using, it's best practice to make sure you have the latest security software, web browser, or operating system to prevent viruses and malware.
  • Never click and tell. Try to limit the type of information you put out on your social media platforms. Make sure that your sensitive and personal information like Social Security numbers, bank account numbers, and passwords are kept private.
  • Speak up if you're uncomfortable. Let your friends and family know if something they post about you makes you feel uncomfortable or is inappropriate. Remember that everyone has different levels of how much they want the world to know about them.
  • Report suspicious or harassing activity. Do not be afraid to report or block harassing users. Report an incident if you are a victim of cybercrime to your local authorities.
  • Remember, there is no “Delete” button on the internet. As they say, “Share with care.” Even if you delete a post, tweet or picture from your social profiles immediately after posting it, chances are somebody already saw it.
  • Update your privacy settings. You can set your privacy and security settings to a level you are comfortable with when information sharing.
  • Connect only with people you trust. Social media is used to connect, but sometimes you may receive a random request from someone on the complete opposite side of the world you don't know.
Social Media Cybersecurity

Preventing Elder Financial Abuse

It is important to watch out for signs of financial abuse and take steps to help your loved ones if needed. Use the following tips as a guideline:

  • Prevent. Educate yourself, your loved ones, and your community.
  • Recognize. Spot the warning signs and take action.
  • Record. Document what you observe.
  • Report. Tell the appropriate authorities so they can investigate and help.
Preventing Elder Financial Abuse

Security & Fraud FAQs

10 Rules for Strong Passwords
  1. Don’t tell your passwords to anyone! Nobody should ask for your passwords, and you should never give your passwords to anyone.
  2. Don’t use simple dictionary words, pets’ names, or people’s names for passwords. Avoid easy-to-guess numbers, such as your age, zip code, birthday or anniversary.
  3. Use passwords that are at least 20 characters long. Do not write them down where they can be easily found.
  4. Create a “pass phrase” instead of just one word (for example, $3 for the pirate hat). Or think up a few nonsense words that you can remember easily (for example, Betty was smoking tires and playing tuna fish).
  5. Use a different password for each website. Do no use simple patterns like “password1,” “password2,” “password3,” or “amazon4me,” “netflix4me,” “yahoo4me” for different sites—those are too easy to guess.
  6. Change your passwords for sensitive websites (such as your online banking or credit cards) every 60-90 days. Do not use easy-to-guess patterns when you change them.
  7. If you think someone may have learned your password, change it immediately. Then check the websites where you use that password for any signs of misuse—starting with your online banking.
  8. Sometimes websites ask you to enter the answer for a “security question” you can use if you forget your password. Make your answer to the security question just as hard to guess as your password.
  9. If your bank or webmail offers you extra security features, use them!
  10. Use the password procedures your company requires, and at home consider using a password manager like KeePass or Password Safe. Password managers make your internet use a lot safer and easier.

ATM Safety Tips
  • Know where your card is at all times. Notify First National Bank immediately if it is lost or stolen.
  • Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your card.
  • Never give your PIN to anyone. FNB will never ask you for your PIN.
  • Be aware of your surroundings, particularly at night. Never approach an ATM if you feel unsafe.
  • Never approach an ATM after dark if the lights at the ATM location do not seem to be bright enough.
  • Cover the ATM keyboard with your hands or body so others cannot see you enter your PIN.
  • Always take your receipts or transaction records with you when you leave.
  • Do not count or visually display money you received from the ATM; put it away immediately.
  • When using a drive-up ATM, always keep your car running and doors locked.

Money mules are people who receive and move money obtained from victims of fraud. Some money mules know they’ve been recruited to assist criminal activity, but others become money mules without realizing their activity is benefiting fraudsters.

  • Responding to a job advertisement or social media post that promises easy money for little effort.
  • Helping someone they’ve met online (possibly on a dating website) or over the phone by agreeing to receive and transfer money.

Think twice before you:
  • Open a bank account at someone else’s direction.
  • Give someone access to your bank account or debit card.
  • Move money at someone else’s direction.
  • Allow money from people you don’t know to be deposited into your account.
  • Take a job that promises easy money and involves sending or receiving money or packages.
  • Purchase virtual currency or gift cards on someone else’s behalf.
  • Agree to receive or forward packages, especially those containing money or merchandise.
By receiving and transmitting criminal proceeds, money mules oftentimes engage in criminal offenses. Money mules help international criminal networks steal money from senior citizens, businesses, and people just like you. For more information, please visit: www.justice.gov/civil/consumer-protection-branch/money-mule-initiative.

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