Avoid Fraud
Our Commitment to You
Protecting your assets, including your identity and personal information, is our top priority. We're committed to keeping your accounts safe from unauthorized access. We use a number of safeguards including industry-standard encryption and multifactor authentication on our Online Banking systems.

Protect Yourself
Here are some good habits you can practice to protect yourself:
  • Monitor your account(s) on a regular basis through online banking or telephone banking. At the very least, check your monthly statement as soon as it arrives. This will allow you to recognize and report unauthorized access or fraud quickly.

  • Protect your ATM or Check Card, and your PIN. Memorize your PIN and don’t write it down. Don't share your PIN with anyone, not even a family member. If you are at the ATM or checkout line and you feel that someone behind you is too close, use your body to shield the keypad as you enter the PIN.

  • Avoid making online purchases or check online banking from a publicly accessible computer, such as an internet café, a WIFI hot spot, etc. The security of that computer is unknown.

  • Keep your own personal computer updated with the most recent browser available. Most popular browsers have features that discourage spyware and other malicious intrusions. We suggest that you install & maintain current anti-spyware service on your computer.

Internal Assessments at Your Bank
The new supervisory guidance offers ways your bank can look for anomalies that could indicate fraud. The goal is to ensure that the level of authentication called for in a particular transaction is appropriate to the level of risk in that application. Accordingly, your bank has concluded a comprehensive risk-assessment of its current methods as recommended in the FFIEC guidelines. These risk assessment consider, for example:
  • Changes in the internal and external threat environment

  • Changes in the customer base adopting electronic banking

  • Changes in the customer functionality offered through electronic banking; and

  • Actual incidents of security breaches, identity theft, or fraud experienced by the institution or industry.

The bank joins the FFIEC and the financial regulatory agencies in strongly urging business account holders to conduct similar internal assessments to ensure the highest level of security possible for your transactions.

Scam Calls & Phishing
Throughout the banking industry, there has been an increase in fraudulent emails and phone calls to consumers requesting personal information such as account numbers, debit or credit card numbers, and personal identification numbers. These requests for information have the appearance of coming from the bank.

Please know that we will never send an unsolicited email or place a call asking you to provide your FULL account information, Social Security number, PIN, credit or Check Card numbers, or other confidential information. There are some situations in which we at the Bank or our credit card processor will contact you. For example, if suspicious activity is detected on your credit card account, you could receive an automated phone call from our Fraud Alert Department. You will be asked to provide the last four digits of your Social Security number in order to confirm that we are speaking with the cardholder, and then given the opportunity to verify recent transactions. If you receive a call like this and are in doubt about whether the call is legitimate, please hang up and call the Bank or 1-800-437-9392, which is the Fraud Alert Department.

For Lost or Stolen Debit Card:
If your Debit Card or ATM Card is lost or stolen, contact the bank immediately. If the bank is closed, please contact our Debit and ATM Card processor immediately. Just follow these steps:
  1. Call Lost & Stolen Services at 1-800-528-2273. (If you are calling from outside the United States, call 812-647-9794 and enter 001 for the US Country Code.)

  2. Provide the customer service representative with the necessary information so they may verify your cardholder information. This includes the bank name your name, address and daytime phone number. If the checking account tied to your ATM or Debit Card is a joint account, you will be asked to provide the name and social security number of the other individual on the account.

  3. A block will be placed on your card. Once this is done, your card cannot be used by anyone, including yourself. Please contact the bank during normal hours to order a replacement card.

For Lost or Stolen Credit Card:
If your Visa Credit Card is lost or stolen and you need assistance at a time when the bank is closed, please contact our Credit Card processor immediately. Just follow these simple steps:
  1. Call Lost/Stolen Services at 1-866-604-0381. (If you are calling from outside the U.S., a collect call will be accepted at 727-570-4881.)

  2. Provide the customer service representative with the necessary information so
    they may verify your cardholder information.     This includes the bank name, your name, last four digits of your social security number, the billing address affiliated with this account, and phone number.

  3. A block is placed on your card. Once this is processed, your card cannot be used by anyone, including yourself. Please contact the bank during normal hours to order a replacement card.

Your Protections Under "Reg E"
Banks follow specific rules for electronic transactions issued by the Federal Reserve Board. Known as Regulation E, the rules cover all kinds of situations revolving around transfers made electronically. Under the consumer protections provided under Reg E, you can recover internet banking losses according to how soon you detect and report them.

Here is what the Federal rules require: If you report the losses within two days of receiving your statement you can be liable for the first $50. After two days, the amount increases to $500. After 60 days, you could be legally liable for the full amount. These protections can be modified by state law or by policies at the bank, so be sure to ask your banker how these protections apply to your particular situation.

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