Security Tips
Bank Account Security Tips
- Report lost or stolen debit cards and checks immediately.
- Review account statements carefully. Regular account review helps to quickly detect and stop fraudulent activity. Ask about suspicious charges.
- With FNB’s online or telephone banking, you can monitor your account any time and as frequently as you like.
- Limit the amount of information on checks. Do not print your driver’s license number or Social Security number on your checks.
- Store unused checks in a safe and secure location.
- Carry your checkbook with you only when necessary.
Debit Card Security Tips
- Always keep your debit card in a safe and secure place. Treat it as you do cash or checks. If your debit card has been lost or stolen, please contact your branch immediately. If it is after hours or on the weekend, please call 1 (800) 554-8969. Contact your branch immediately if you suspect unauthorized use.
- Do not send your card number through email, as it is typically not secure.
- Do not give out your card number over the phone unless you initiated the call.
- Regularly review your account statements as soon as you receive them to verify transactions. Contact FNB immediately if you identify any discrepancies.
- If you have forgotten your PIN or would like to select a new one, please visit your branch location.
- Cancel and cut up unused cards.
- If you receive a replacement card, properly destroy your old card.
- When selecting a Personal Identification Number (PIN) don’t use any number or word that appears in your wallet (such as name, birth date, or phone number).
- Ensure no one sees your PIN when you enter it.
- Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
- Shop with merchants you know and trust.
- Make sure any internet purchase activity you engage in is secured with encryption to protect your account information. Look for “secure transaction” symbols like a lock symbol in the lower right-hand corner of your web browser window, or “https://…” in the address bar of the website. The “s” indicates "secured" and means the web page uses encryption.
- Always log off from any website after a purchase transaction made with your credit or debit card. If you cannot log off, shut down the browser to prevent unauthorized access to your account information.
- Safely store or securely dispose of your transaction receipts.
When using your card at an ATM:
- Be aware of your surroundings and exercise caution when withdrawing funds.
- Watch for suspicious persons or activity around the ATM. If you notice anything out of the ordinary, come back later or use an ATM elsewhere. If you observe suspicious persons or circumstances, do not use the ATM at that time. If you are in the middle of a transaction, cancel the transaction, take your card and leave the area, and come back at another time or use an ATM at another location.
- Report all crimes immediately to the operator of the ATM or local law enforcement.
- Consider having someone accompany you when using an ATM after dark.
- Ensure no one sees your PIN when you enter it.
- Refrain from displaying cash, and put it away as soon as your transaction is completed. Wait to count your cash until you’re in the safety of a locked enclosure, such as a car or home.
- Safely store or securely dispose of your ATM receipts.
Online Security Tips
- Be alert. Crooks are always attempting to obtain your personal information by various methods. Do not respond to anyone who is requesting personal information by telephone or email regarding your banking relationship. If you have any doubts regarding the request, call us immediately.
- Password security starts with a strong password, which only you know. The strongest passwords use a combination of letters and numbers and are not easily guessed, such as birthdays or addresses. Your password and PIN uniquely identify you. Be sure that you keep them private and do not share them with others. Many frauds which occur are committed by someone the victim knows.
- If you receive an email requesting confidential information that appears to be from First National Bank, please notify us at once and do not respond to the email. FNB does not contact customers via email to verify or request any confidential information, such as your social security number, account number, password, or personal identification number (PIN). First National Bank will not send an email that requests you to click on a link to verify or provide information.
- Always use current anti-virus software on your computer. This step is critical to online safety and security.
- Log off the bank’s secure online web site when you have completed your online banking activities to ensure protection of your information. As an additional security procedure, you should clear your Internet history.
- Be alert regarding the most common online threat:
Phishing – Fraudulent emails may appear to be from First National Bank and may even contain a similar name, logo, web site, or graphics. While the email may look official, it is not. The goal of a fraudulent email is to obtain your personal or log in information with the goal of stealing your money or your identity by logging into a fraudulent web site or asking you to reply with the information. If you receive an email that appears to be from First National Bank, please contact the bank the bank immediately, forward the email to fraud_at_fnbokla.com and then immediately delete the suspicious email. If you have replied to a suspicious email and provided private information about your FNB account, please contact us immediately at (405) 275-8830.
Pharming – Also known as “domain spoofing,” the crook intercepts Internet traffic and re-directs it to a fake or fraudulent web site, where the user is asked to provide personal information.
Malware – Software or programs designed to infiltrate or damage a computer system, including computer viruses, worms, Trojan horses, spyware, and adware.
Smishing – An attack used to trick cellular phone users into revealing their personal data over the phone. It uses SMS messages, which makes it a "Smishing" attempt. It starts with a spam text message purporting to be from a financial institution often warning that an account has been locked and providing an 888 phone number to "verify" the account. When the phone number is called, an automated message prompts for a social security number, credit card number, and driver's license number. Never reveal any personal information through text messages or through a number in a text message. - Additional information on phishing and other related scams can be found in the consumer section of the Federal Deposit Insurance Corporation Web site: http://www.fdic.gov/consumers/consumer/alerts/phishing.html