Security Alerts and Information

Federal Savings Bank is committed to helping protect our customers’ personal information. It is just as important that consumers take precautions to protect their information. Please take note of the consumer alert issued on July 31, 2013.

 

New Hampshire Residents Warned About Phone Scam Involving Their Bank Accounts

Attorney General Joseph A. Foster and New Hampshire Bankers Association President Christiana Thornton have issued a consumer alert to all New Hampshire residents warning them about a phone scam currently active in the state. Customers from a number of New Hampshire banks are reporting receiving phone calls and text messages stating their debit or credit card has been compromised and asking the customer to provide sensitive personal information. These messages are fraudulent and are not being sent by the banks. Legitimate organizations never contact their customers in this manner to obtain or verify personal information, such as account numbers, PINs, password, date of birth or social security number. Customers should always call their bank's customer service center before providing any personal information over the phone or in response to a text message or email.Attorney General Foster noted that these types of scams are all too frequent. The scam artists are very creative in avoiding detection and are skilled at hiding their identity. Often, these scams are operated from outside of the U.S. and are difficult to trace. Consumers should always exercise extreme caution before providing personally indentifying information (date of birth; social security number; bank account, debit, credit card numbers) to anyone over the phone or on the internet. Consumers should only do so when they have particular guarantees of trustworthiness. Unsolicited calls or emails are especially suspect. Anyone who receives a suspicious call should terminate the call as soon as possible.

The New Hampshire Attorney General's Office has a consumer hotline to answer consumer related questions. That number is 1-888-468-4454. For more information about how to avoid scams or frauds, visit the Department of Justice website at Valuable information is also available at the FTC website at http://www.ftc.gov, and the website for the Consumer Financial Protection Bureau at http://www.consumerfinance.gov.

 

Internet Security Tips

  • Always use the latest version of your browser.
  • Do not disclose your SSN, account numbers online Access ID or Passwords to anyone and do not write them down where they may be easily found.
  • Do not use a password that can easily be guessed, such as your birthdate or a child's name.
  • Change your password frequently.
  • Do not leave your computer unattended after you have signed on.
  • Be sure to use anti-virus software for all your Internet activity.
  • A personal firewall helps to keep your information private. Whenever you are online, regardless of the type of Internet connection you use, your PC is vulnerable to attacks. A personal firewall can be hardware, software, or a combination of the two. Using a personal firewall is smart protection from hackers and loss of personal information.
  • Internet Explorer has a feature, Intelliforms, which leaves a trail every time you fill in Web forms. If your browser’s history is not properly cleared, others can trace and access your personal information. To clear up this cached data, choose Tools on the menu bar, then Internet Options. The first thing to do here is to click on the Clear History button at the bottom of the window. (Lowering the numbers of days to keep the history to one or two is a good precaution). Next click on the Content tab and the AutoComplete button. A new window will pop up, then click the Clear Forms followed by the Clear Passwords buttons.
  • Click here to learn more about online banking and security information.  

Fraudulent Emails Claiming to be from NACHA

The Electronic Payments Association has received reports that individuals and/or companies continue to receive fraudulent emails that have the appearance of having been sent from NACHA. These emails vary in content and appear to be transmitted from email addresses associated with the NACHA domain (@nacha.org). Some bear the name of fictitious NACHA employees and/or departments.

NACHA itself does not process nor touch the ACH transactions that flow to and from organizations and financial institutions. NACHA does not send communications to persons or organizations about individual ACH transactions that they originate or receive.

Be aware that phishing emails frequently have attachments and/or links to Web pages that host malicious code and software. Do not open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.

If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist to remove malicious code or re-install a clean image of the computer system.

Always use anti-virus software and ensure that the virus signatures are automatically updated.

Ensure that the computer operating systems and common software application security patches are installed and current.

Additional information and guidance on phishing is available from the Federal Deposit Insurance Corporation (FDIC).

FinCEN Reminds the Public to be Wary of Fraud

The Financial Crimes Enforcement Network (FinCEN) reminds the public to be alert to ongoing financial scams that attempt to solicit funds from unsuspecting victims. For more information visit FinCEN's website at www.fincen.gov.

Concerned About Identity Theft?

An Important Message for our Valued Customers.

Have you received a letter in the mail from a business that you frequented in the past stating that they experienced a breach in their network and your personal information may have been included? This can be very unsettling, but there are steps you can take to help protect your personal information.

First of all, contact Federal Savings Bank at 1-800-462-2265. One of our Customer Service Representatives can put a message on your account(s) indicating that you were impacted by a particular businesses security breach.

Also, monitor your credit report on a regular basis. You are entitled annually to one free credit report from each of the three reporting agencies. For more information, visit www.annualcreditreport.com. This will not provide you with a credit score, but will advise you of any negative or adverse activity.

Finally, contact the business directly. Ask how the breach occurred and what safety measures the business has implemented to prevent a repeat occurrence. Educating yourself is the best means for you to protect your personal and confidential information.

Debit Card Fraud Information - Foreign Countries

Federal Savings Bank, like many other financial institutions, has experienced an increase in attempted fraudulent debit card activity originating from some specific foreign countries. This trend has increased over the last couple of years while technology has advanced and thieves have learned new ways to obtain consumers’ personal information.

Our priority is to protect your personal information to the best of our ability. We regularly implement new technologies and programs to safeguard your information. Due to the recent increase in fraudulent transactions from foreign countries, we will be blocking some debit card transactions going forward – providing you with even more protection.

Effective December 2, 2010, debit card transactions may be blocked from the following countries: Australia, Bahrain, Brazil, Cameroon, China, Columbia, Cyprus, Denmark, Dominican Republic, France, Honduras, Hong Kong, India, Ireland, Italy, Latvia, Mauritius, Mexico, Morocco, Netherlands, Nigeria, Panama, Peru, Philippines, Singapore, Spain, Uganda, Ukraine, the United Arab Emirates and the United Kingdom. What should you do if you plan to travel to one of these counties or make a phone or online purchase? Simply call us at 1-800-462-2265 or stop by one of our five branch locations and inform a customer service representative of your plans. This block can be temporarily removed and reinstated when you return from your trip or complete a foreign purchase. Additional foreign countries may be added to this list in the future. Please check this page regulalry for a complete list.

Tax Scam Warnings from the IRS

Consumers should protect themselves against online identity theft and other scams that increase during and linger after the filing season. Such scams may appropriate the name, logo or other appurtenances of the IRS or U.S. Department of the Treasury to mislead taxpayers into believing that the scam is legitimate.

Scams involving the impersonation of the IRS usually take the form of emails, tweets or other online messages to consumers. Scammers may also use phones and faxes to reach intended victims. Some scammers even set up phony websites.

Generally, the IRS does not send unsolicited emails to taxpayers. Further, the IRS does not discuss tax account information with taxpayers via email or use email to solicit sensitive financial and personal information from taxpayers. The IRS does not request financial account security information, such as Personal Identification Numbers (PIN) from taxpayers.

Census Taker Scam Warnings from the Census Bureau

The Census Bureau has recently warned consumers that thieves will attempt to impersonate Census takers to obtain personal, confidential information to steal identities. If you did not fill out a Census form by mail, you will receive a visit from a Census taker at your mailing address. Be aware of the information you disclose and take warning of the following Census taker information.

Real Census Takers:

  • Will have a government badge and picture ID, as well as a confidentiality notice.
  • Do not ask for personal financial information; Bank account or Social Security numbers.
  • Never ask for money.
  • Will not harass.
  • Will only contact you by phone, mail, or in person.

Protecting your privacy is important to Federal Savings Bank and our employees. We want you to understand how we gather, use and safeguard information about you to provide you with our products and services. The following is information about our practices for the gathering, sharing and security of information relating to our customers. We encourage you to review this page regularly as we will post any necessary security alerts and important consumer information as well.

Information We Gather

We gather information about you from the following sources: Information we receive from you on applications or other account forms, such as your name, address, social security number, assets, income, and in the case of applications for insurance, health and medical information. Information about your transactions with us, such as your payment history and account balance. Information we receive from third parties such as credit reports on your credit history.

Information We Share

We do not share any information about our current or former customers with anyone outside the Bank except:

  • With your permission;
  • With third parties assisting us in delivering products and services requested by you. These may include check printers, data processing companies, secondary mortgage market entities, and item processing companies;
  • With third parties that perform services for the bank or that function on the bank's behalf. These may include firms that assist us with mailing activities and firms that assist us in marketing our products;
  • With other financial institutions with whom we jointly market financial products or services, such as mutual funds, securities and insurance products; or
  • With other third parties as permitted by law or required by law, such as the transmission of information to a consumer reporting agency or responding to a subpoena.

We do not share medical or health information with third parties, except to process transactions or to provide services you have requested or initiated.

If you decide to close your account(s) or are no longer an active customer, we will retain your records for as long as required by law. We will continue to treat your personally identifying information as described in this notice, as amended from time to time.

Our Security Procedures

We restrict access to your information to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards in accordance with federal regulations to guard such information.

Internet Banking Privacy

Safeguarding your information when interacting with us via the Internet is also extremely important. We apply the standard discussed above in caring for your information. When browsing our web site, information, such as your e-mail address, is not collected. Some areas of our web site require information, such as your e-mail address or your account number, to enable you to perform certain tasks (i.e., to review your accounts or correspond with us). In these cases, we collect the information necessary to interact with you.

If you visit us on the Internet, we may send a "cookie" to your browser that records the number of visits made to our various web pages; however, personal information is not collected. If you use our online banking or bill payment programs, you may receive additional cookies that contain your unique identifier, allowing you to view and manage your accounts. These cookies may be linked to personal information.

Corrections or Concerns

If you believe any of your personal information maintained at the Bank is incorrect, or if you have a privacy-related concern, please call our Privacy Manager, James Brannen, at 1-800-462-2265.

Updates

From time to time, we may update or amend this policy and will notify you of those changes as required by law. You may view the most current version of this policy at any time by requesting a copy from any branch office or by visiting our website again.