Protecting your financial information is a top priority for us. From vigilant employee training on privacy regulations to the use of state-of-the-art technology with advanced security features, we maintain a proactive approach to keeping your account information secure. There are things you can do as well. With financial scams on the rise, it is important that you know how to protect yourself. We encourage you to take a few moments to read the following information; awareness and knowledge are your best defense in minimizing your exposure to fraudulent activity.
Remember, First National Rio Grande will NEVER request your account numbers, Personal Identification Number (PIN), credit/debit card numbers, or any other personal information by email, phone or mail. If you are at all in doubt about any request for information, do not respond.
If you receive an email that you suspect is a phishing attempt (ie: a fraudulent attempt to attain your personal information), or if you have questions or concerns regarding phishing scams, please contact us at 888-912-2265.
The Bank uses Enfact, a fraud watch service through which unusual or suspicious transaction activity on your debit card can be identified. If unusual or suspicious activity is detected, the Bank will contact you by phone to confirm the validity of any transaction in question. If you do not verify the transaction as your own, your card will be immediately blocked.
Emails sent to and from the bank are not secure; do not include confidential information such as account and password information through email. Besides email, you can contact us at 888-912-2265, or by stopping by one of our Banking Offices.
Be Aware of Internet Scams Financial scams are growing both in numbers and in sophistication every day. Don't be a victim!
A fast-growing scam that attempts to gather customer information is called phishing (fishing). Criminals employ phishing scams by sending you unsolicited emails requesting specific account, password, and user information. The emails appear to be from well-known companies, often using company logos and a familiar company look to trick you into thinking that the site is legitimate. Often times, you are asked to click on a link and verify your confidential information. That link takes you to a site where the criminal collects your personal data for malicious use.
Vishing is the practice of using Voice over Internet Protocol (VoIP) technology in an attempt to obtain personal information for identity theft. The term is a combination of voice and phishing. The victim receives a phone call in which an automated recording "alerts" them to fraudulent activity on their account. The victim is then instructed to call a number in which their account information is requested for verification purposes. The scammer may even manipulate caller ID to make it appear legitimate.
Another common Internet scam involves soliciting individuals for what appears to be a lucrative position that will allow them to work as an independent agent or from their home. Here are some tips to avoid this type of scam:
Protect yourself from a growing number of scams involving personal and business checks, money orders and cashier's checks.Download PDF files below for more information:
A so-called "representative" of your financial institution calls and says they have discovered someone is writing checks on your account. The caller instructs you to retrieve your checkbook and read the number along the bottom of the check from left to right. Of course banks will not call and request you read back your account number (which they assigned to you) over the phone. Hang up and report the incident.
A process when ink is chemically removed from a stolen check. The check is re-written to a different merchant or company for a higher amount and cashed. To prevent this from happening, you can use our Online Bill Pay service, free to customers who have signed-up for Internet banking. You can also purchase a special pen (available at most office supply stores) that will trap ink on the check, making check washing virtually impossible.
Fraudsters use email, in conjunction with letters and phone calls, to convince victims they have won an overseas lottery. The scammer's goal is to trick consumers into sharing bank account numbers or paying up-front fees to claim winnings that never materialize.
While some travel opportunities sold over the phone or offered through the mail, Internet or by fax are legitimate, many are scams that defraud consumers out of millions of dollars. Don't give your credit card number or bank information over the phone unless you know the company.
The following tips can help protect you from thieves who steal mail to get checks, credit card applications and bank account statements.
Identity theft is on the rise. These simple precautions can keep it from happening to you.
Equifaxwww.equifax.comReport fraud: 800-525-6285PO Box 740256, Atlanta, GA 30374Order a report: 800-685-1111
Experianwww.experian.comReport fraud: 888-397-3742PO Box 9532, Allen, TX 75013Order a report: 888-397-3742
TransUnionwww.transunion.comReport fraud: 800-680-7289PO Box 6790, Fullerton, CA 92834
To get the most from your convenient ATM card, always keep the following tips in mind:
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First National Rio Grande, a division of First National Bank of Santa Fe.