The best line of defense against fraud?
You! Be proactive, CHECK YOUR ACCOUNT ACTIVITY DILIGENTLY… on your statement, online at YourFNBOnline.com, through our automated account information line at 304-235-5100 or 606-432-3996, or just call us. If you are not signed up for online banking or do not have access to our automated account information line and would like to use these services, call us and we’ll be glad to get you started. If you need assistance or discover any suspicious or fraudulent activity involving your account, please call our Operations Department at 304-235-5300 Monday-Friday from 8:00AM-8:00 PM ET. Pikeville area callers can reach us by calling the Pikeville branch at 606-432-5340 and asking to be transferred.
The following list contains valuable tips is presented to help you protect yourself. Working together, we’ll ensure that you enjoy a safe relationship with First National Bank and help you avoid falling victim to account fraud, electronic crimes or identity theft.
Preventing Identity Theft
Your trust in First National is important to us. We want to help you guard against disclosure of your personal information that could lead to unauthorized use of your account or identity theft. First National will not contact you via email, phone or mail to request or verify security information about passwords or personal identification numbers (PINs). For your protection and privacy, First National representatives will ask for certain information to verify your identity when speaking with you, however that information will not include your PINs, passwords, or other like information.
Tips for Protecting Your Information Online
Beware of fraudulent emails or websites...
Be cautious about opening email attachments
Beware of using non-encrypted wireless connections...
Beware of shoulder surfers...
Use strong passwords...
Never use the Save ID and Password...
Do not email personal and financial information...
Properly dispose of old computers...
*Phishing is a form of identity theft in which deception is used to entice a user into revealing personal and confidential information such as credit card numbers, banking information, social security numbers, pin numbers etc. Spear Phishing is the act of deception where customized spoof e-mails that appear to come from trusted sources and ask recipients to part with confidential information.
**Web Spoofing is a technique used to gain unauthorized access to computers, whereby the intruder sends messages to a computer with an IP address indicating that the message is coming from a trusted host.
Tips for Protecting Your Information Offline
Don't give out financial or personal information...
Safeguard ATM, credit and debit cards...
Memorize personal identification numbers... (PINs) and passwords. Never write them on access cards or store them where they can easily be found, such as in wallets, purses, and desks or on computers.
Destroy unnecessary financial documents...
If regular bills or statements stop reaching you, take action...
Review account statements...
Keep personal information off your checks...
Beware of incoming phone calls...
Balance Your Bank Statement
The best way to protect yourself from losses due to errors or fraudulent transactions is to BALANCE YOUR BANK STATEMENT each month (or statement period)! The sooner you notify the bank the less you are likely to lose.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC FUNDS TRANSFERS WRITE US AT:
THE FIRST NATIONAL BANK
P.O. BOX 787
WILLIAMSON, WV 25661
304-235-5300 (Williamson, WV)
606-432-5340 (Pikeville, KY)
WE MUST HEAR FROM YOU NO LATER THAN 60 DAYS AFTER WE SENT YOU THE FIRST STATEMENT ON WHICH THE ERROR OR PROBLEM APPEARED.
1.) Tell us your name and account number.
2.) Describe the error or the transfer you are unsure about, and explain as clearly
as you can why you believe there is an error or why you need more information.
3.) Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly.** If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.
If you tell us orally, you must confirm your complaint in writing within 10 business days or we are not required to recredit your account until we complete our investigation.
* In lieu of notifying the Auditor, you may direct your questions to the Operations Department at 304-235-5300. The Operations Department will perform the initial investigation and gather necessary documentation.
** As a part of our investigation, we may request that you file a report with an appropriate law enforcement agency and provide the bank a copy of that report.
Check Your Credit Report
First National Bank recommends that you periodically check your credit report. For a fee, you can obtain a copy of your credit report at any time from one of the three major credit bureaus:
- Equifax: 800-685-1111 or www.equifax.com
- Experian: 888-397-3742 or www.experian.com
- TransUnion: 800-916-8800 or www.transunion.com
Other Helpful Information
For additional information about account fraud and identity theft, you can visit these websites:
Federal Trade Commission: www.consumer.gov/idtheft
Internet Fraud Complaint Center: www.ifccfbi.gov
Identity Theft Resource Center: www.idtheftcenter.org
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