Security Center

Committed to Protecting You

At First Choice Bank, we are dedicated to working with you to provide a high level of security. We employ a variety of safety measures on our end and also empower you with tips to help you take control and protect yourself. Our goal is to make sure you are covered at every contact point.

Call us immediately at 877-256-9809 if you ever suspect any unauthorized activity with your account.

Information Compromised? Consider these measures:

  • Contacting local police to file a police report
  • Requesting a hold on any bank accounts and online accounts you believe may have been compromised
  • Placing a credit freeze on your account with one of the three major credit bureaus
  • Filing a report with the Federal Trade Commission

Lost or Stolen Items (Checks, Debit Cards, Credit Cards)

Please report lost or stolen items immediately to any of our Branch Locations, 1-877-256-9809, or the Contact Us* option on our website.

*Not a secured email. Do Not include any confidential or account information.

 

    Cybersecurity Awareness

    October is National Cybersecurity Awareness Month.  The resources below are provided through the National Initiative for Cybersecurity Careers and Studies (NICCS), a department of the US Department of Homeland Security, and include helpful information to be safer and more secure online.

     

    Protecting You When Banking Online

    We have taken a multiple layered approach to protect you against fraud and identity theft and to make sure our systems are secure.

    Online banking security measures we offer include:

    • A comprehensive 128-bit encryption technology to securely send personal data to and from your computer when you use online banking
    • Secure login, featuring strong and user ID requirements and additional verification when accessing via a new device
    • Last login date information (once enrolled)
    • Account number masked throughout online banking

    Tips to Remember

    Use a strong online banking password, change it regularly and never disclose it to a First Choice Bank employee.

    Create strong passwords

    • Avoid the use of personal information like birthday or a pet's name.
    • Don't choose passwords using dictionary words, names or parts of names, phone numbers, dates, etc.
    • Choose passwords that aren't easy to guess.
    • Never share them or write them down.
    • Choose a different password for each account. For example, using the same password on bank accounts and social media may increase risk of identity theft or fraud.
    • Create passwords according to the website requirements.

    Limit where you log in

    Never log in to your account at a public or unsecured computer. Use a separate machine for financial transactions.

     

    Safeguarding Your Money by Email, Text and Phone

    Communicating with us is vital when you are managing your finances, so we go the extra mile to ensure you feel comfortable. We will never send you an email asking for your passwords, deposit account or credit card numbers or other sensitive information.

    Tips to Remember

    Never email your account number or other sensitive information.

    Monitor your account activity.
    Checking your account activity frequently can help to detect fraud earlier. Sign up for email and text account alerts in Online Banking. You will have the option to receive notifications about transfer activity, balance fluctuations and many other transactions. Using this feature, you might be able to detect suspicious activity more quickly.

    Keep your phone calls secure.
    First Choice Bank employees will never ask for your online banking password over the phone. If there is an account issue and First Choice Bank needs to reach out to you, we will ask you Security Questions, or an Access ID if you have multiple accounts. Since First Choice Bank called you, you may be uncomfortable giving that information. Feel free to hang up, call us and be transferred back to a bank employee.

     

    Protecting Your Online Information

    Whether you are banking or browsing the web, you want to stay safe. Please familiarize yourself with the following tips for ways to help keep your information secure.

    Tips to Remember

    Keep browsers and antivirus software up to date with security patches.

    Avoid browsing dubious sites.

    Make sure you are on a secure website when entering secure information.
    Secure sites display "https://" instead of "http://" in the browser's address bar. A lock icon may also appear at the lower right corner of the browser window.

    Establish First Choice Bank security questions.
    These questions help us verify you identity and is required when contacting us with questions or changes to your account.

    Watch out for suspicious activities.
    Most malware does its best to stay hidden. If your machine is infected, you may not notice much but your computer may run slower than normal.

     

    Types of Online Fraud

    Phishing and Spoofing

    Phishing and spoofing emails ask you to go to a fake website that looks like First Choice Bank and provide your personal account information. These emails may even ask you to call a phone number and provide account information.

    Ways to identify phishing and spoofing emails include:

    • Requests for personal information - First Choice Bank emails will never ask you to reply in an email with any personal information such as your Social Security number, ATM or PIN.
    • Urgent appeals - We will never claim your account may be closed if you fail to confirm, verify or authenticate your personal information via email.
    • Messages about system and security updates - We will never claim the need to confirm important information due to upgrades and state that you must update your information online.
    • Offers that sound too good to be true - For example, you may be asked to fill out a short customer service survey in exchange for money, then be asked to provide your account number to receive the credit.
    • Obvious typos and other errors - These are often the mark of fraudulent emails and websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.

    Ways to protect against phishing and spoofing:

    • Make sure you are at First Choice Bank’s website when you sign in to Online Banking. If you’re using a secure browser, your address bar will turn green.
    • Delete any suspicious email you receive before clicking any links or replying to it

    Money Mules

    Money mules are unsuspecting victims who become middlemen for criminals trying to launder stolen funds. Common indicators of a money mule scam include overseas companies requesting money transfer agents in the U.S., opening new bank accounts to receive money from someone you don't know, accepting large sums of money into your personal bank account for a new job and transferring or wiring funds out of your personal bank account to people you do not know. Victims of these scams may not only have their bank accounts closed and financial reputations ruined, but often are left financially responsible for returning any stolen funds.

    Malware

    Malware, short for malicious software, includes viruses, spyware and trojans that are designed to infiltrate or damage a computer system, steal personal information and commit fraud.

    There are several easy ways you can minimize malware risk:

    • Never download any file or attachment unless you are absolutely certain what it is and who provided it
    • Never click on an advertisement that asks for personal or financial information
    • Update your security and system software to protect your computer from malware threats

    Vishing

    Vishing uses Voice over Internet Protocol (VoIP) to leave an automated recording on your phone that says your account has experienced unusual activity. The message instructs you to call what appears to be a First Choice Bank phone number (in fact, the caller ID has been fooled into displaying “First Choice Bank”). Sometimes criminals also send emails and text messages containing fraudulent phone numbers. Rather than provide any information, you should contact us immediately to verify the validity of the message.

     

    Additional Resources

    We've assembled a variety of excellent resources that can help you learn more about privacy and security issues. Please note that these sites are not associated with First Choice Bank and that by using them you are governed by their own online privacy policies.

    Identity Theft Resources

    Federal Deposit Insurance Corporation (FDIC) Consumer Protection 
    Offers information on identity theft and action to take if you become a victim.
    https://www.fdic.gov/consumers/consumer/fighttheft/

    Federal Trade Commission (FTC) Identity Theft
    A national resource to help you deter, detect and defend against identity theft.
    http://www.consumer.ftc.gov/features/feature-0014-identity-theft

    Identity Theft Resource Center (ITRC)
    Step-by-step resolution instructions, form letters and other resources to assist identity theft victims.
    http://www.idtheftcenter.org/

    Online Fraud Resources

    National Cyber Security Alliance (NCSA) Stay Safe Online
    A nonprofit, public-private partnership focused on promoting cyber security, safety awareness and safe online behavior.
    http://www.staysafeonline.org/

    Microsoft® Security At Home
    A Microsoft site committed to providing you with easy steps and resources to secure your computer at home.
    http://www.microsoft.com/security/default.aspx

    Credit Score Monitoring Resources

    Free Annual Credit Reports
    Information provided by the FTC on how you can request and receive a free copy of your credit report every 12 months from each of the national credit reporting companies.
    https://www.annualcreditreport.com/index.action

    Equifax
    Website of one of the 3 largest American credit reporting agencies.
    P O Box 105069
    Atlanta, GA 30349-5069
    http://www.equifax.com
    To order a report: 800.685.1111
    To report fraud: 800.525.6285

    Experian
    Website of one of the 3 largest American credit reporting agencies.
    P O Box 2002
    Allen, TX 75013-0949
    http://www.experian.com
    To order a report: 888.397.3742
    To report fraud: 888.397.3742

    TransUnion
    Website of one of the 3 largest American credit reporting agencies.
    P O Box 1000
    Chester, PA 19022
    http://www.transunion.com
    To order a report: 800.916.8800
    To report fraud: 800.680.7289

    Additional Privacy and Security Resources

    Federal Deposit Insurance Corporation (FDIC) Consumer Protection
    Offers a variety of information for consumers on financial topics, from understanding financial privacy to filing complaints.
    https://www.fdic.gov/consumers/

    OnGuardOnline.gov
    Information from the federal government about avoiding scams, securing your computer and protecting kids online.
    https://www.consumer.ftc.gov/features/feature-0038-onguardonline

    Privacy Rights Clearing House
    A nonprofit consumer organization focusing on both information and advocacy. The PRC’s goals include raising awareness of how technology affects personal privacy and empowering consumers to take action to control personal information by providing practical tips on privacy protection.
    https://www.privacyrights.org/

     

    Helpful Documents