Consumer Security

Debit/ATM Card Fraud

Who do I contact if my card doesn’t work or is stolen or compromised?

During business hours, you may call our Client Services Center at (662) 423-3656 and after hours you may call our 24-hour support at (833) 940-1982.

Important Safety Tips When Using an ATM/POS Terminal

• Be aware of your surroundings and look for well-lit ATMs.
• Have your transactions ready. Sign checks and total your deposits before approaching an ATM.
• Stand close to the terminal so that someone near you cannot see your PIN.
• Immediately put your cash in your wallet or purse. Count it while in the safety of your home.
• Have your card in-hand before leaving your car and approaching an ATM.
• Do not use the ATM if you notice anything suspicious in the area.
• When possible, have another person with you when you use an ATM.
• If, while transacting business at an ATM, you notice anything suspicious, cancel the transaction and put your ATM card away immediately.
• Do not share your card number or PIN with anyone.
• Do not write your PIN on your card or keep your PIN in the same location as your card.
• Do not use a PIN that could be easily identified, such as your birth date, 1111 or 9999.
• Report all crimes to the ATM owner or operator, First American National Bank and local law enforcement officials.

Questions? Contact Us.

Contact us at (662) 423-3656, stop by your local office, or call your local bank representative.

Identity Theft Resources

If you believe that you are a victim of identity theft, you can report the theft and get a recovery plan by visiting the following government website: https://www.identitytheft.gov/

For information relating to identity theft please visit the following government websites:

• https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud

• https://www.consumer.ftc.gov/features/feature-0014-identity-theft

Fraudulent Activity

Types of Fraud:

Phishing: Phishing is an attempt to steal sensitive information such as passwords, usernames, credit card numbers, etc. by claiming to be someone you trust via electronic communication, such as e-mail.

Vishing: Telephone version of phishing where the scammer relies on techniques to trick you into providing information that others can use to access and use your personal and sensitive information.

A scammer may call, email, or text you, pretending to be from the bank, and ask for information that allows them to access your account. If you receive a one-time passcode, you did not request, don’t provide the passcode to anyone who contacts you for it. Likewise, do not share any information with an unsolicited caller who may be inquiring about out of bank authentication information.

Scammers may tell you there is an urgent fraud situation to attempt to trick you into quickly acting. Hang up on suspicious calls immediately, even if they appear to be from the bank.

Scammers sometimes use technology to “spoof” phone numbers, so it appears the call is originating from the bank. If you have any concerns that the call might not be legitimate, call the bank at the number found on your account statement.

Scammers may make unusual requests for sending or transferring money. Fraudsters may contact you to pretend to help you with an ongoing fraud situation. To reverse it, they suggest you transfer money “to yourself” when, in fact, the account you transfer money to belongs to the scammer. This could cause you to lose money or even become unknowingly involved in a crime.

The bank will never call you to request that you transfer money to yourself or any other third party using P2P.

SMiShing (SMS Phishing): SMiShing uses text messages to lure consumers in. It usually will require “immediate attention” through a URL or phone number.

Pharming: Scam where a hacker installs dangerous and/or malicious code on a personal computer or server. After the code is in, it redirects the clicks you make on a website to another fraudulent webpage without your knowledge or consent.

First American National Bank is committed to your security and safety. Protecting information is our top priority and it requires diligence from our customers as well as the bank.

Do not open e-mails from unknown sources. Be suspicious of e-mails purporting to be from a financial institution, government department, or other agency requesting account information, account verification, or banking access credentials such as user names, passwords, PIN codes, and similar information. Opening file attachments or clicking on web links in suspicious e-mails could expose your system to malicious code that could hijack your computer.

Never respond to a suspicious e-mail or click on any hyperlink embedded in a suspicious e-mail. Call the purported source if you are unsure who sent an e-mail.

If an e-mail claiming to be from the bank seems suspicious, check with the bank before clicking on the e-mail.

Install anti-virus and spyware detection software on all computer systems. Free software may not provide protection against the latest threats compared with an industry standard product.

Update all of your computers regularly with the latest versions and patches of both anti-virus and anti-spyware software.

Install a dedicated, actively managed firewall, especially if using a broadband or dedicated connection to the Internet, such as DSL or cable. A firewall limits the potential for unauthorized access to your network and computers.

Check your settings and select, at least, a medium level of security for your browsers.

Clear the browser cache before starting any Business eBanking and Personal Online Banking session to eliminate copies of web pages that have been stored on the hard drive. How the cache is cleared depends on the browser and version you are using. This function is generally found in the browser’s preferences menu.

Be advised that you will never be presented with a maintenance page after entering login credentials. Legitimate maintenance pages are displayed when first reaching the URL and before entering login credentials.

Create Passwords Using Uncommon Information: Your birth date, Social Security Number and phone number, as well as your mother’s maiden name are all examples of readily available information that should not be used as a password. Be sure to avoid any sort of personal password that can be traced to you. Additionally, avoid using the same password for all of your personal or professional business; change them as much as possible.

Securely Store Your Personal Information: Your personal information should be stored in a secure location whether at home or at work. Items such as checks, Social Security Numbers, bills, etc., should be kept under lock and key. At work, be sure to keep your personal belongings locked in a secure place as well. Information stored on mobile devices should be password protected.

Guard Your Mail and Trash: Deposit outgoing mail in secure post office collection boxes or at your local post office rather than in your mailbox where anyone walking by can access that information. If you go on vacation, put a hold on your mail delivery through the U.S. Postal Service. Always tear, cut or shred any personal information (e.g., financial statements, expired credit cards, pre-approved credit offers, physician statements, insurance forms, receipts, etc.) prior to throwing it in the trash can.

Carry a Limited Number of Credit Cards and Never Other Unnecessary Identification: Carry a limited amount of credit cards, bringing only those that you will need during the day. Additionally, do not carry your passport or birth certificate in your wallet unless you are required to do so, and you should never carry your Social Security Number (SSN).

Pay Attention to Billing Cycles and Statements: Be aware of your billing cycles for all credit cards and other financial bills. Follow up with your creditors if bills do not get to you on time. Also, pay attention to your financial statements and balance your checking accounts on a regular basis.

Review Your Credit Report: Review your credit report on an annual basis.

The information regarding cyber security presented on this page is considered best business practices and in no way indicates that First American National Bank is acting as an Information Technology advisor. All questions relating to IT security should be cleared through your own internal Information Technology advisors.

USA PATRIOT Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

We apologize for any inconvenience this may cause; however, federal law prohibits us from waiving these requirements.