Security Tips

We strive to provide our customers with up to date information to keep their accounts safe. We have outlined the Security Tips Below in an effort to help you proactively protect your accounts and provide you with important information should you become a victim of a scam.

Online Banking

The First National Community Bank Online Banking service has several effective security techniques that we encourage you to implement when you use this service. Many account hijacking attempts come as a result of hacking into individual user accounts, and from there electronically breaking into the bank using your information and security codes.

• Strong passwords - Experts advise a combination of letters and numbers and advise against using easily guessed passwords such as birthdays or home addresses.
• Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
• Change your password on a regular basis.
• Use the Exit button to end each Internet Banking session. DO NOT use the Back button to exit the site.
• Change your session timeout in User Options to a time that meets your needs.
• Balance your account on a regular basis. Internet Banking makes it easy.
• Anti-Virus Protections - Make sure the anti-virus software on your computer is current and scans your email as it is received.
• Email Safety - Email is generally not encrypted so be wary of sending any sensitive information such as account numbers or other personal information in this way. Use privacy settings to avoid sharing information widely.
• Keep a clean machine - your operating system, browser, and other critical software are optimized by installing regular updates.
• We will NEVER request personal information via email or text. If you are ever unsure about a telephone call, email, text, or letter, please refuse to give out any information and contact us immediately.

Online & Mobile Threats

Cyber-fraudsters want to earn their money the easy way --- by stealing YOURS.

Phishing

This is the criminal attempt to steal your personal information through fraudulent emails or smart-phone texts. They are often very believable, luring the victim to a site that asks them to provide (or "verify") personal financial details such as account numbers and social security numbers. Variations of phishing is Spear Phishing and Smishing.

REMEMBER: We will not send emails or texts asking for your personal information -- we already have it.

Tip: Cyber-criminals often prey on those who are most vulnerable, such as senior citizens or young adults, who may not be as aware of the technical aspects of the threats.

Tip: Use common sense, if an email seems odd or too good to be true, it is most likely an attack.

Free Credit Reports

When it comes to guarding against cyber-fraud, one of the most important tools at your disposal is your credit report. It details all of your credit transaction accounts and will be the first place that unusual charges or entirely new accounts will appear. And you can monitor your report for FREE.

Since Federal law permits consumers to obtain a free report annually from each of the three major credit reporting agencies, cyber-security experts advise that you get a free report from a different agency every four months. Doing so will allow you to monitor your personal online security all year long.

To order your free credit report, go to the only authorized source:

www.annualcreditreport.com
1-877-322-8228

If You Become a Victim

If you ever become a victim of identity theft or account fraud, you should immediately notify us. We will work with you to do all we can to avoid any future identity theft or account fraud and to attempt to correct any unauthorized transactions.

After contacting us, you should follow these steps:

Call the fraud departments of all three major credit bureaus. Ask them to put a "fraud alert" on your file. This will alert creditors to call you before they open any more accounts in your name.

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
Transunion: 1-800-680-7289

Contact your local police department and file a fraud report. Even if the police can't catch the identity thief, having this report can help you clear your credit records.

File a complaint with the Federal Trade Commission (FTC). Call the FTC's toll-free identity theft hotline at 1-877-IDTHEFT (438-4338). The hotline is staffed with counselors trained to help victims and take their complaints. You may also file a complaint online.

Complete the identity theft affidavit.

If you would like more information on this subject please visit any of the following resources:

• Internet Crime Complaint Center
• Consumer Fraud (Department of Justice Homepage)
• Federal Trade Commission (FTC) Consumer Response Center
• Consumer Guides and Protection
• Financial Fraud Enforcement Task Force
• On Guard Online

External Links Notice

The websites and phone numbers listed above are offered to our customers as additional online resources for them to use. These websites are not operated or controlled by First National Community Bank, nor are we responsible for the content available at these third-party websites. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the First National Community Bank website. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of First National Community Bank.