FRAUD PROTECTION

CNB offers SMS Guardian to help protect you from debit card fraud.

 

 

HOW SAFE IS YOUR PERSONAL INFORMATION?

Unfortunately, most of us are all too familiar with recent accounts of serious, even massive personal information data breaches.

These breaches have exposed sensitive, personal information of millions of people, leaving them vulnerable to Identity Theft. No doubt, we will hear future breaches affecting chain stores, credit bureaus and even government agencies.

Your name, address, Social Security number, birth date, driver’s license, bank accounts and credit card numbers could be at risk.

These serious breaches can span months before being detected. This makes it more important than ever that you take proactive, precautionary measures to protect your identity.

As our valued customer, Community National Bank has some tools and tips to help you protect your identity, as well as what you should do if you fall victim to an identity theft event.

 

HOW CNB CAN HELP YOU PREVENT IDENTITY THEFT

Monitor your accounts closely and minimize risk with electronic services. CNB has a 24-hour toll free phone banking system, online banking, mobile banking and CNB $mart, and SMS Guardian text message alerts for debit card purchases, which are all available free of charge to any CNB customer.

 

E-STATEMENTS

Fraud can happen as close to home as your own mailbox. Minimize your risk by receiving your monthly statements securely and electronically via CNB Online banking. Don’t run the risk of your account information becoming lost or stolen in the mail.

 

ONLINE BANKING AND MOBILE BANKING

Monitor your CNB accounts from anywhere at any time with online banking and the CNB mobile app. Check balances, make transfers, set up bill payments and even see your monthly statements from the conveniences of your home computer or smartphone or tablet.

 

TOLL FREE PHONE BANKING

Call our 24-hour banking line at 1-888-231-4262 to monitor account balances and other account information at your convenience.

 

RECEIVE TEXT ALERTS ON YOUR DEBIT CARD USAGE

Debit card fraud happens all too frequently, but you can protect yourself by enrolling in CNB’s. Debit Card Fraud Prevention Program, SMS Guardian. With SMS Guardian, you will receive text message alerts when your card is used for purchases that do not require a pin number, fuel purchases, online purchases, and anytime your card is used more than 5 times in one day.

 

CNB $MART

CNB $MART is a personal financial management tool that allows you to see all of your finances in one location. You can see and manage all of your deposit accounts, loans and credit cards in one location so you always know what is happening with your money. Create budgets, manage debt, set goals, and set alerts all within the convenient portal of your CNB online banking. Keeping a close eye on your finances is the best and fastest way to keep your information and money safe.

 

KASASATM PROTECT

Fraud Protection Services available with KASASATM accounts. KASASATM protect is a credit monitoring service offered to CNB KASASATM account holders for an additional fee. This service includes 24/7 credit monitoring, annual credit reports, monthly credit score and tracker, dark web monitoring, lost wallet protection, as well as identity restoration.

 

 

CALL THE CREDIT BUREAUS TO REPORT THE ISSUE

Equifax: 1800-525-6285
Experian: 1888-397-3742
TransUnion: 1800-680-7289

If you feel your CNB debit card has been compromised, you can call CNB’s 24-hour hotline to report your card lost or stolen at 866-546-8273. Calling this number to report lost/stolen card will automatically cancel your card.
Community National Bank has enrolled in a Risk Management Program effective September 22, 2014. This program is designed to alert our CNB customers by calling them directly in the event something appears to be fraudulent on their account. If the Risk Management Center is unable to contact the customer, the account holder’s card will then be suspended until the customer contacts the bank or the Center directly to verify the validity of the transaction.

 

 

Complete Your Cybersecurity Checklist

 

 

Reminders about 10 simple things bank customers can do to help protect their computers and their money from online criminals:

 

  1. 1. Have computer security programs running and regularly updated to look for the latest threats. Install anti-virus software to protect against malware (malicious software) that can steal information such as account numbers and passwords, and use a firewall to prevent unauthorized access to your computer.
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  3. 2. Be smart about where and how you connect to the Internet for banking or other communications involving sensitive personal information. Public Wi-Fi networks and computers at places such as libraries or hotel business centers can be risky if they don’t have up-to-date security software.
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  5. 3. Get to know standard Internet safety features. For example, when banking or shopping online, look for a padlock symbol on a page (that means it is secure) and “https://” at the beginning of the Web address (signifying that the website is authentic and encrypts data during transmission).
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  7. 4. Ignore unsolicited emails asking you to open an attachment or click on a link if you’re not sure it’s who truly sent it and why. Cybercriminals are good at creating fake emails that look legitimate, but can install malware. Your best bet is to either ignore unsolicited requests to open attachments or files or to independently verify that the supposed source actually sent the email to you by making contact using a published email address or telephone number.
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  9. 5. Be suspicious if someone contacts you unexpectedly online and asks for your personal information. A safe strategy is to ignore unsolicited requests for information, no matter how legitimate they appear, especially if they ask for information such as a Social Security number, bank account numbers and passwords.
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  11. 6. Use the most secure process you can when logging into financial accounts. Create “strong” passwords that are hard to guess, change them regularly, and try not to use the same passwords or PINs (personal identification numbers) for several accounts.
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  13. 7. Be discreet when using social networking sites. Criminals comb those sites looking for information such as someone’s place of birth, mother’s maiden name or a pet’s name, in case those details can help them guess or reset passwords for online accounts.
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  15. 8. Be careful when using smartphones and tablets. Don’t leave your mobile device unattended and use a device password or other method to control access if it’s stolen or lost.
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  17. 9. Parents and caregivers should include children in their cybersecurity planning. Talk with your child about being safe online, including the risks of sharing personal information with people they don’t know, and make sure the devices they use to connect to the Internet have up-to-date security.
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  19. 10. Small business owners should have policies and training for their employees on topics similar to those provided in this checklist for customers, plus other issues that are specific to the business. For example, consider requiring more information beyond a password to gain access to your business’s network, and additional safety measures, such as requiring confirmation calls with your financial institution before certain electronic transfers are authorized.

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