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, Bank of the 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 575-525-8900.
- Firewalls block unauthorized access to the Bank's computer network by individuals and networks.
- Data transmitted to you through our Internet Banking site is sent using Secure Socket Layer (SSL) technology.
- Rest assured that when you sign in to online banking, your user name, password, and bank information are secure.
- If you have online banking questions or issues, you can use our Resolution Request form once you log in. The Resolution Request form is a secure method by which to contact the Bank and to provide us with detailed information.
Debit Card Protection
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 575-525-8900, 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.
Online Job Scams
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:
- Be cautious of any employer offering employment without an interview (either in person or by phone).
- Investigate thoroughly any employer requesting that you transfer funds or receive packages for reshipment, especially if they are located overseas. Most of these employment offers are check-cashing or shipping scams.
- Do not provide your social security number or any other sensitive information unless you are confident that the employer is legitimate.
- Be cautious of job links sent to you in emails--they could be phishing scams.
Online Security Tips
- Make sure that the security features of your computer software, including your web browser are up to date.
- Confirm the validity of all requests for personal, account, and financial information, especially if the request is presented in an urgent manner.
- Delete suspicious emails without opening them. If you do open a suspicious email, don't open any attachments or click on any links in the email.
- Do not share your user IDs or passwords with anyone. Choose passwords that are difficult for others to guess. Use passwords that have a combination of lower case and capital letters as well as numbers and characters. Change your passwords regularly and do not carry this information with you.
- Always sign off websites and secure areas properly that require user IDs and passwords to enter.
- When your computer is not in use, shut it down or disconnect it from the Internet.
- Be selective when providing your email address.
Email Safety Awareness
- Do not include sensitive information--such as your social security number or account number--in an email, unless you are using the secure Resolution Request form available when you log in to your online banking account.
- If you are unsure of the source, never click on links within an email. It is safer to retype the web address than to click on it from within the email.
- Do not open SPAM or attachments from strangers. If you don't know the sender or are not expecting the attachment, delete it immediately.
- Do not open attachments with odd filename extensions.
- Be suspicious of emails asking for personal information.
- Be selective when providing your email address; do not give your email or other personal information to unfamiliar websites.
Be Aware of Check Scams
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:
Bank Rep Scam
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 FNB Online Bill Pay service, free to First National 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.
- Never send cash in the mail; send checks or money orders.
- Promptly remove mail from your mailbox after delivery, especially if you are expecting checks, credit cards, or other negotiable items. If you won't be home when the items are expected, ask a trusted friend or neighbor to pick up your mail.
- Have the post office hold your mail while you are on vacation, or if you will be away from home for an extended period of time.
- If you do not receive a check or other valuable mail you're expecting, contact the issuing agency immediately.
- If you change your address, immediately notify the post office and anyone with whom you do business via the mail.
Tips to Prevent Identity Theft
Identity theft is on the rise. These simple precautions can keep it from happening to you.
- Promptly remove mail from your mailbox.
- Carry only essential credit cards and identification.
- Report all lost or stolen credit cards or checks immediately.
- Check all statements carefully to ensure you have authorized all charges.
- Maintain a list of the credit cards you use and cancel the ones you do not use.
- Do not carry your Social Security card or birth certificate--leave them in a secure place.
- Store all personal information in a safe place and shred old credit card receipts, old account statements, and unused credit card offers before discarding.
- Write down or photocopy the front and back of all credit cards and keep in a secure place. Do the same for all bank and investment accounts.
- Do not give out personal information over the phone, through the mail or over the Internet unless you have initiated the contact or are sure you know whom you are dealing with.
- Federal Trade Commission (FTC)
- Identity Theft Resource Center
Request a free annual credit report online at
www.www.annualcreditreport.com or call 1-877-322-8228.
- The Financial Fraud Enforcement Taskforce
If you think your identity has been stolen, take these steps immediately:
- Notify the police and file a complaint
- Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file.
Report fraud: 800-525-6285
PO Box 740256, Atlanta, GA 30374
Order a report: 800-685-1111
Report fraud: 888-397-3742
PO Box 9532, Allen, TX 75013
Order a report: 888-397-3742
Report fraud: 800-680-7289
PO Box 6790, Fullerton, CA 92834
- Alert Bank of the Rio Grande and any other financial institutions you do business with to flag your accounts and to inform you of any unusual activity.
- Contact your creditors to inform them of the problem.
- You may also want to contact the U.S. Postal Service and the U.S. Social Security Administration.
ATM Safety Measures
To get the most from your convenient ATM card, always keep the following tips in mind:
- Keep your ATM card secure; report a lost or stolen card immediately by calling 575-525-8900 during business hours, or 800-472-3272 after hours.
- Safeguard your Personal Identification Number (PIN). Never leave your receipt behind--even with an incomplete transaction, and never give out information about your ATM card over the phone.
- Beware of common scams. A thief may gain access to your account even without knowing your PIN by finding a discarded receipt and/or carbon in the trash. If you have one card that acts as both your ATM and debit card, then a dishonest clerk can also gain access to your account by making an extra imprint of your card for personal use.
- Check receipts against your monthly statement to guard against fraud.
- Always observe your surroundings before conducting a transaction. Minimize your time at the ATM. Give people ahead of you space to conduct their transactions. Block the view of others when using the ATM. If the ATM is obstructed from view or poorly lit, go to another ATM.
- If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.