Protecting Your InformationSecuring your personal and financial information is a top priority. We offer a number of ways to protect, monitor and react to suspicious activity on any of your Citizens State Bank accounts.
Debit Card Security
Your card comes with Fraud Protection to alert you if there is any suspicious activity on your Debit/ATM card. All you need to do is provide us your current cell phone number and email address. Always remember to let us know if your cell number or email address changes.
The system works like this:
- If a potential fraud transaction is detected, you’ll get an automatic email notification, with the option to reply with a “fraud” or “no fraud” message.
- One minute after the email, if you have not responded, you’ll receive a text alert, which also has the “fraud” or “no fraud” option.
- If there is no response from you, you will then receive a phone call to confirm or deny fraud. You will also be given the option to speak to a fraud analyst.
- If you do not respond to any of the fraud alerts your card will be disabled as a precaution to protect your accounts. You are able to activate your disabled card, as long as there was no fraudulent activity, by calling our Fraud Center at 1-800-417-4592.
Add our Fraud Center number 1-800-417-4592 to your phone contacts and label it “Fraud Center.” This will display on your phone if you should get a call from them.
REMEMBER – We will never ask for your PIN or your account number.
For even more peace of mind, enrolling with smsGuardian allows you to receive text alerts for certain types of transactions on your Debit/ATM card. You only need to respond if the transaction is fraudulent.
Get text alerts for:
- International transactions
- Authorizations greater than $500
- Eight or more transactions in a 24-hour period
- Declined authorizations
You can get more information about smsGuardian Debit Card Alerts here.
Online and Mobile Banking Security
You can also play an important part in helping to keep your information secure. Here are some ways to protect yourself.
ID and Password Security Tips
- Do not share your Online Banking ID and password with anyone.
- Don’t use obvious numbers (such as birth dates, social security numbers or addresses) for your Online Banking ID and/or password.
- Ensure that no one is watching when entering your Online Banking ID and password.
- Don’t record your Online Banking ID and password on paper. Try to memorize them, if possible.
- If you do record your Login ID and password, keep them in a safe, secure location.
- If you’ll be away from your computer for any length of time, log out of Online Banking.
- Do not save your Online Banking ID and/or your password on any computer you use. Rather, enter this information manually each time you log in.
- When you have finished your online banking session, always remember to properly log out and close the internet browser.
- Never click on links sent in unsolicited emails, especially those that only have a link with no further information and a blank screen.
- Use up to date firewalls, anti-virus and anti-spyware software to protect your computers and phones.
- If you use a public wireless network, don’t log into your Online Banking or other websites that contain confidential information.
- If you shop online, use websites that protect your financial information with encryption. An encrypted website has “https” at the beginning of the web address: “s” is for secure.
Identity Theft Tips
Remember the bank will NEVER ask you for personal identifiable information over the internet or text. We already have all the information we need. Here are some ways to help prevent identity theft:
- Shred financial, personal and medical documents before you throw them away.
- Protect your Social Security number. Don’t carry your social security card in your wallet.
- Don’t respond to email, text and phone messages that ask for personal information. Legitimate companies don’t ask for information this way. Delete the message.
- Review your bank statements regularly. Report any fraudulent or unusual activity to the bank immediately.
- Never give account information to anyone over the telephone unless you’ve initiated the call.
Your credit report matters. Credit reports may affect your mortgage rates, credit card approvals, apartment request and even your job application. Reviewing your credit reports also helps you catch signs of identity theft early.
The law requires the three major nationwide consumer reporting companies – Equifax, Experian and TransUnion – to give you a free copy of your credit report each year if you ask for it. Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them for free.
Get your reports today!
- Visit www.AnnualCreditReport.com or call 1-877-322-8228
- You can also write to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.