Online Banking Security at Farmers National Bank
Farmers National Bank partners with CSI to bring you secure digital banking products. Out-of-Bank Authentication, Fraud Anomaly Detection, and Password Security Check are all part of our layered security approach that helps mitigate risk for more holistic protection.
Protect Yourself Against Identity Theft
Identity theft usually happens without your knowledge. To protect yourself, learn what the signs are that your identity has been stolen and how you can help protect yourself from identity theft. The easiest way to protect yourself is by protecting your personal information. We suggest that you always do the following:
• Shred any documents with account and other identifying numbers
• Check your personal credit report at least annually - quarterly recommended
• Change your email passwords and other passwords regularly
• Think twice before sharing personal information with store clerks and telemarketers
• Get Identity Theft Reimbursement Insurance or use a credit monitoring service
• Review your statement online with FNB Online Banking.
Lost or Stolen Cards/Checks
Protecting your money and financial information includes protecting your checks, ATM cards, debit cards, and PINs associated with those cards just like you would cash.
• Please report lost or stolen ATM cards, debit cards, or checks immediately!
• Using our Mobile App, you can turn your card off immediately so that no further transactions can be approved until you turn it back on again.
• During regular business hours, call us at 270-692-3177 or visit your local branch office.
• After business hours, please call the Fraud Protection Center at 800-554-8969 to freeze/close your card.
• If you close your card using the Fraud Protection Center, please contact the bank during normal business hours so additional review for fraud can be performed and/or a replacement card can be ordered.
• You can also place a stop payment order on lost or stolen checks. This will protect your account in the event the checks are improperly presented for payment. Certain information is required, and a small fee may apply.
Prevent Card Fraud
Credit and debit cards have changed the way we do business, both as individuals and as businesses. Instead of carrying cash, these cards provide
convenience and safety, as well as tracking of transactions on monthly statements. You don't, however, have to lose your credit or debit card to become a victim of card fraud. Criminals can obtain your card account numbers from hackers online, old receipts, or by scanning your card using illegal machines. There are precautions you can take to avoid becoming a victim of card fraud including:
• Get your statements online using FNB Online Banking and check them regularly for unfamiliar transactions.
• Pick PIN numbers you can easily remember that are not birthdates, house or phone numbers, or repetitions of a single number. Never write
your PIN number down on a slip of paper that you keep in your purse or wallet.
• Get the receipts from your card transactions. If there are carbons, ask for them too.
• Retain any receipts you get from a card transaction and reconcile them with your monthly bank account statements. Shred them before throwing them in the trash.
• Be sure you can see your card at all times when it's being used for a transaction.
• If you're shopping online, be sure the website you're visiting is secure (indicated by https://) before you enter your card number.
• Don't allow anyone else to use your credit card or debit card.
• If you notice your credit or debit card is missing, call the card issuer immediately to report it lost or stolen.
• Never give your credit or debit card account number or PINs to anyone you don't know over the computer or the phone.
• Know where your cards are at all times, and never leave your wallet or purse unattended - even for a minute.
• Use your body to shield the keypad when entering your PIN at stores or ATMs.
Prevent Computer Fraud
Fraud committed using computers is growing rapidly in frequency and sophistication. Identity thieves and other criminals are using the extensive reach of the Internet to span across states, countries and continents to commit fraud and steal both individuals’ and businesses’ information. Below are some tips to help you avoid becoming a victim on your computer:
• If you receive emails from senders you don't know, delete them immediately without opening them.
• Do not reply to or click on “unsubscribe” as this can tip off phishers that they have reached a valid email address.
• If you get any type of unsolicited email or pop-up message that asks for any type of personal information, don't respond to it. Notify your Internet
Service Provider (ISP) immediately.
• Never send personal or sensitive business information via unsecured email.
• Install and keep anti-virus/anti-spyware software on your computer updated.
• Do business only with reputable online firms.
• If you are conducting any type of business online, make sure you are doing so on a secure web connection. If you see the characters https:// in the web page address in your browser, you are visiting a secure website that uses encryption to protect your identity and your information. If you only see http://, don't enter any personal information because the page is not a protected website and could potentially be intercepted during transmission. (Internet Explorer displays a padlock at the end of the address bar when a site is secure.)
• Know who you are dealing with online. Don't complete forms that ask for personal information if you don't know exactly where they are going and
what they will be used for. Review the Web site privacy policies of sites with which you deal.
• If you use FNB Online Banking, make sure you stay at your computer for the entire transaction, and then be sure you sign off completely when you are done.
• Ask to have your account and credit card statements sent to you online directly from your bank or credit card company.
Act Quickly If You Think You Are a Victim of Identity Theft
If you are a victim of identity theft, it's important that you take action as soon as you notice something is wrong or missing. The sooner you report fraud or identity theft, the faster Farmers National Bank, other financial institutions and the authorities can take steps to assist you.
If you think you are a victim of identity theft, follow these two important steps:
• Call Farmers National Bank at 270-692-3177 to report the situation.
• File an Identity Theft Affidavit. Complete and send copies of this form to your banks, credit card companies, mortgage holder, other organizations with which you have financial relationships, and all credit bureaus. Filing this form will make it easier to dispute unlawful charges to your accounts.
• Call any other financial institution(s) you deal with and make them aware of the situation.
• Call your credit card companies and ask that access to your accounts be restricted. Open new accounts if necessary.
• Check through your personal documents to determine what items are missing.
• If checks are missing from your checkbook, issue stop payments on each check.
• If your driver's license is stolen, call your local Department of Motor Vehicles office.
• If your Social Security Card is stolen, call the Social Security Administration.
• Ask to have your account numbers, PINs, and passwords changed immediately.
• File a report with the police and get a copy of it for your records.
• Document what happened, when, and to whom you spoke.
How Can I Prevent Tax ID Fraud?
Tax identity theft has been the most common form of identity theft reported to the Federal Trade Commission for the past five years. Tax ID fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in
To prevent tax ID fraud, file early. File on a protected wi-fi network or use a secure mailbox. Use a tax preparer you trust. When finished, shred the sensitive documents that you no longer need and safely file away the ones you do. Beware of scams. The IRS will not contact you by email, text or social media. If you don’t receive your W-2s, and your employer indicates they’ve been mailed, contact the IRS immediately.
If you believe you’re a victim or the IRS denies your tax return because one has previously been filed under your name, alert the IRS at