At First National Bank, we strive to keep you informed of issues that might affect you. Please take the time to read the important articles to protect your privacy, your identity and your assets.
One of the fastest growing crimes is identity theft, which occurs when an identity thief gains access to and uses an individual’s personal identifying information without his or her knowledge in order to commit fraud or theft. You can protect your privacy and minimize your risk of becoming a victim of identity theft by taking the following steps:
Call us immediately at (423) 663-4044 if you believe that you are a victim of identity theft involving one of your First National Bank accounts.
Identity Theft occurs when someone steals your personal information and identification. They may open credit card accounts, apply for loans, rent apartments and purchase phone services – all in your name. In many cases, they request address changes so you never see the bills for their activity. These impersonators spend your money as quickly as possible. Most victims never know it until they apply for a loan or receive a call from a collection agency. Clearing your name and erasing the effects of identity theft can be a nightmare and take a great deal of time. You can spend months or even years re-establishing your creditworthiness.
Equifax: 1-800-685-1111 www.equifax.com
Experian: 1-888-397-3742 www.experian.com
TransUnion: 1-800-888-4213 www.transunion.com
Corporate Account Takeover is the business equivalent of personal identity theft. Hackers, backed by professional criminal organizations, are targeting small and medium businesses to obtain access to their web banking credentials or remote control of their computers. These hackers will then drain the deposit and credit lines of the compromised bank accounts, funneling the funds through mules that quickly redirect the monies overseas into hackers’ accounts.
As a business owner, you need an understanding of how to take proactive steps and avoid, or at least minimize, most threats.
Call us immediately at (423) 663-4044 if you believe that your First National Bank account has been compromised.
Protect yourself from Internet and email scams by keeping your private information secure.
At First National Bank, your privacy is very important to us. That's why we want to let you know about an email scam on the Internet called "phishing" (pronounced "fishing") a technique fraudsters use to lure online consumers to fake corporate Web sites through links sent via email.
The message in the email often warns consumers that their account will be closed if their information is not updated or "verified." The links within the email are often pointed to Web forms that ask for bank account information, such as routing numbers, account numbers, PIN numbers, passwords and Social Security numbers.
It is First National Bank’s policy to not send or request confidential account information through email because it is not a secure form of communication. You should never enter private, personal information in a form that was sent to you by email.
Here are a few ways you can protect yourself from Internet and email fraud (phishing):
First National Bank will NEVER request a customer's personal information (bank card number, account number, social security number, personal identification number or password) through email or by phone. If you should ever receive an email or phone call requesting your personal, confidential information that appears to be from First National Bank, DO NOT respond and contact the Bank immediately at (423) 663-4044.
Social Engineering is a technique used to obtain or attempt to obtain secure information by tricking an individual into revealing the information.
Social engineering is normally quite successful, because most targets (or victims) want to trust people and provide as much help as possible.
Victims of social engineering typically have no idea they have been conned out of useful information or have been tricked into performing a particular task.
The easiest way to breach security is to obtain credentials and the easiest way to get that information is to ask someone for it.
The basic goal of social engineering is to gain unauthorized access to systems or information in order to commit fraud, network intrusion, industrial espionage, identity theft, or simply to disrupt and compromise computer systems.
In the lottery scam, you receive an email notification claiming that you have won an international lottery (Jamaican Lottery, Spanish Lottery, etc). In order to claim your winnings, you must contact the claims agent, typically via an email address that is most often from a free provider (e.g., Yahoo, Hotmail, etc.). The agent then sends you a claim form to verify your identity. You must then return the form with your personal details, along with copies of your passport and/or driver’s license to “verify your true identity.” The fraudsters now have enough information to duplicate your identity. In addition, in order to claim the winnings, you are required to wire funds to the fraudsters to cover the transaction, insurance, tax and legal fees associated with receiving their winnings. The victims are required to transfer the money requested via Western Union. You are now out the funds that you have wired to the fraudsters, and the fraudsters have your personal identification to continue to commit fraud.
The Nigerian Purchase Scam is another form of fraud that is becoming widespread in auction sites and on business’ ecommerce Web sites. A buyer will bid on or seek to purchase big-ticket goods (e.g., cars, boats, etc.) from the Web site. The buyer will “accidentally” overpay the seller, stating they “wanted to make sure there were enough funds for shipping.” The buyer will then ask the seller to deposit the check and refund the amount of the overpayment. The seller will deposit the counterfeit check and send the overpayment to the buyer prior to the check clearing through the international banking system. The seller is out the funds equal to the overpayment. In addition, the seller could be down the value of the shipped goods if those are sent at the same time.
To protect yourself, always be careful when transacting with unknown parties. If you question the legitimacy of a buyer, talk with your branch representative to determine the best way to validate the check and funds prior to shipping any goods or providing a refund for the overpayment.
You get an email or a letter in the mail from a "mystery shopping company" often times the name of the company sounds official. Usually there is a check included or a promise to send a check. They tell you to cash the check and complete an assignment at a major retail store. Then they tell you to take the rest of the money that you didn't spend and send it to another mystery shopper via Western Union. The only problem is that's not a mystery shopper, that's the scammer! The check sent to you was not legitimate, but the bank won't realize it for at least a week. When the check is returned as fraudulent, you become responsible for the charges. Meanwhile, you just sent money to the scammer via Western Union and you're left holding the bag.
If you receive an email or letter in the mail saying you won a lottery and they send you a check or if you sell something on EBay and the buyer pays with a check, you may think you can just take the check to your bank and cash it.
Unfortunately, you can’t. What’s worse, if you cash it in most states, you may be assisting a criminal in passing a counterfeit check, money laundering or worse. Blank checks are stolen every day from individual mail boxes, homes, businesses and even banks. Counterfeiters and scammers use these checks to create scams and frauds.
If you receive a check in the mail that you are not expecting, DO NOT CASH IT. You should call the issuing bank directly to verify that the account is valid and the check is real.
If you are the victim of a counterfeit check cashing scam, email the FDIC's Special Activities Section at: firstname.lastname@example.org
If you believe you may have fallen victim to this type of scam and wish to report it, please file a complaint with the U.S. government Internet Crime Complaint Center at: http://www.ic3.gov
or contact them at:
FDIC's Cyber Fraud and Financial Crimes Section
550 17th St., NW, Room F-4040,
Washington, D.C. 20429
With banking increasingly being done on the internet, many questions have come up about security. Through Cryptographic Technology, information is protected as it is transmitted across the internet. This technology is a form of scrambling the data as it is sent.
First National Bank uses 128 bit encryption. (If your browser doesn't support 128 bit encryption, you can download a new browser for free by going to www.mozilla.org or www.microsoft.com.) Other security tools available to ensure the integrity of your data are fire-walls and filtering routers used to secure computers from third party access via the internet, and a "trusted" operating system employed to protect the information from both internal and external threats.
For added security, we use Multi-factor authentication. Customers are required to determine their own unique Personal Identification Number (PIN), and PIN guessing is deterred by locking a user out of the system after three unsuccessful attempts. These are just some of the full range of internet security tools we use. These layers of security work together to make sure that all information transmitted between you and the Bank is both secure and authentic. Multi-factor authentication includes: watermarks, out of band authentication techniques, and challenge questions. Other security protections: username/password authentication, Complex password requirements, expiration on passwords, and IP address matching.
Finally, the same laws that protect consumers in the case of fraudulent credit card usage and other electronic banking applications serve also to limit the consumer's liability in the event of unauthorized online banking activity. Please see the Federal Reserve Board Regulation E (Electronic Funds Transfers) Disclosure.
To further ensure your security please remember to do the following:
Email: Support or call (423)569-8586; or (423)663-4044 for questions concerning First National Bank Web Security.
Support of Internet Explorer 8 Discontinued – May 19th, 2014
Support of Internet Explorer 9 & 10 Discontinued - January 12, 2016
Please upgrade to at least IE11 or switch to a supported browser to use Online Banking in its optimal format.
Microsoft will no longer provide support for computers running Windows XP after April 8, 2014.
If you are using a computer running Windows XP and if you use that computer to access the internet it is recommended that you consider upgrading your computer. Upgrading your computer will insure that you are provided with access to the latest updates necessary to protect it from malware and other vulnerabilities that can potentially compromise the information stored on that computer.
Using Windows XP after April 8, 2014 puts you and your personal information at risk. Your computer and the information on that computer are your responsibility. First National Bank encourages all users of Windows XP to consult with a computer professional for upgrade options as soon as possible.
Use your personal computer to check account balances and retrieve historical information, transfer funds and make loan payments, and much more.
While there is no guarantee any amount of additional security will prevent you from being victimized, by being aware of what you share will build another line of defense between yourself and criminals. Click Go to see tips to keep your identity safe!
With roots that have grown for over 110 years, First National Bank stands strong. Since 1904, we have been dedicated to growing a strong, lasting and prosperous community. Your Family, Your Future,Your Bank, is not just our slogan, it's who we are!