It is the goal of Security State Bank & Trust to help fight identity theft and other financial fraud by providing helpful information and best practices for safeguarding your debit and credit cards, learning safe online banking practices and protecting your printed checks. We hope you will read further to learn about the safe use of ATM facilities as well.
Education is the key to protecting your personal and business assets and we hope you will take this opportunity to check out the information provided in the Security section of our website.
Our goal is to make your online banking experience not only convenient but one that is safe and secure. Security begins with our multi-factor authentication process when you sign on to our Online Banking and Bill Pay service. Several steps take place to confirm that it is you and not someone who may have stolen your identity.
The first step in the login authentication process is your access ID and pass code. Another security measure we employ is security verification questions. Be sure you select questions to which only you know the answers. You will find that any time you want to utilize the Payments tab on your account you will be prompted to answer one of your security questions.
Lastly, we look for anything that might be abnormal on the back-end of the transaction. We may call you if something out of the ordinary is detected, such as logins from a foreign country or large payments that you don’t normally make.
Online and mobile banking has become increasingly more secure with new controls and regulations implemented by the Federal Financial Institutions Examination Council (FFIEC). Security State Bank & Trust is quick to implement procedures that address regulatory changes and updates that make our online suite of products secure from unauthorized use.
Protect Yourself Online: What can you do to maximize your online security?
- Choose a secure pass code. Mix letters, numbers and symbols. Longer pass codes are more secure. Never use words that have personal significance.
- Protect your login access and pass code. Do not share them with anyone.
- Select your security verification questions carefully.
- Install and regularly update anti-virus software, anti-malware programs, firewalls and operation system patches and updates.
Guard Against Email Fraud
The term “phishing”, as in fishing for confidential information, refers to a type of fraud that involves questionable emails. Here is how it works:
You receive an email which appears to be from someone you trust such as your bank, a government agency or other reputable entity. Typically the message directs you to “verify or update” your account information and often the tone of the message is “URGENT”. Phishing emails usually contain links that direct you to websites that contain the names and logos of companies or agencies that look legitimate. It is the goal of the scammer to convince you to provide your Social Security number, bank account numbers or other confidential information.
When In Doubt, Stop - Question - Call
Stop: Resist the urge to immediately respond to a suspicious email even if it seems to be urgent.
Question: Read the email several times and ask yourself why the information is being requested. Your bank or credit card company already has all your information. Does this really make sense?
Call: Telephone the entity represented in the email directly. However, be sure to use a phone number that you know to be legitimate.
Guard Your Identity Checklist
- Protect your Social Security number, bank account and credit card numbers.
- Never carry your Social Security number in your wallet.
- Select login passcodes and security questions that only you know. Do not share them with others. Change them immediately if you believe they have been compromised.
- Closely guard your Debit card. Never keep your PIN with your card.
- Limit the amount of cash, the number of blank checks and credit cards you carry. Report lost or stolen checks, credit or debit cards immediately.
- Notify your bank of suspicious phone or email inquiries.
- Shred bank statements, financial solicitations or any document containing personal information before disposing of them. Keep your information out of the hands of dumpster divers.
- Check your incoming mail every day. Do not leave it in your mailbox for extended periods of time. Put outgoing mail into an official United States Postal Service collection box.
- If regular bills fail to reach you, call the company to find out why. Make sure your address has not been changed by an unauthorized person.
- Review your bank and credit card statements monthly and immediately report any discrepancies you may find to your bank.
- Make sure you store your extra blank checks in a secure location at your home or office.
- Review your credit report approximately once a year.
Working Together to Fight Identity Theft
When visiting any of our branch locations our trained professionals strive to know your name but may, on occasion, request to see identification such as a current driver’s license. Showing us your valid photo ID is another way we can work together to protect your identity and your assets.
Our 24 Hour Telephone Banking Service requires a six digit PIN as a safeguard against unauthorized access. Protect your PIN at all times as it is the key to your account information. Call 1-866-990-2865 for account balance inquiries, check transaction history and to transfer between your accounts with us.
If you prefer to speak with our staff, please call the branch closest to you or our Customer Service Representatives at 1-800-880-0649. You may be asked various questions to verify your identity.
Security State Bank & Trust will never call, text or email to ask for your personal information.
Please contact us immediately if you notice any suspicious activity on your account. Your Security State Bank & Trust banking professionals are available to assist you.
Our Electronic Banking Department may be reached at 830-997-7575 during normal banking hours.
Check Your Credit Score
1-888-766-0008 to place fraud alerts
1-800-685-1111 to order a credit report
1-888-397-3742 to place fraud alerts
1-888-397-3742 to order a credit report
1-800-680-7289 to place fraud alerts
1-800-888-4213 to order a credit report
How to obtain a Free Annual Credit Report:www.annualcreditreport.com