Fraud Protection

Don't Become A Victim

Please take a moment to read this information. This page is meant to inform you, our valued customer, of some of the ways in which you can protect yourself from FRAUD and/or IDENTITY THEFT.

  • If you have received an unsolicited e-mail, letter or telephone call from someone requesting or attempting to verify your personal or account information do not respond with the information requested. Contact the purported company directly by making a call (phone number on a recent bill) to them or logging onto their official public web site. The terms below are just a couple of the many reasons why you should follow this rule:


  1. Phishing: the practice of luring unsuspecting internet users to a fake web site by using authentic-looking e-mail with the real organization's logo, in an attempt to steal passwords, financial or personal information, or introduce a virus attack; the creation of a web site replica for fooling unsuspecting internet users into submitting personal or financial information or passwords

  2. Vishing: the practice of leveraging Voice over Internet Protocol (VoIP) technology to trick private personal and financial information from the public; they may call you or have you call them

  3. Pharming: the process of redirecting internet domain name requests to false web sites to collect personal information

  • Do not throw away documents that contain personal or account information. SHRED them, tear them up, burn them, do anything but put them in the trash! You know the adage, "one man's trash is another man's treasure".
  • If you are aware that you are to receive account information via the US postal service from a financial institution (bank, credit card company, mortgage company, etc.) and your mailbox does not lock please check your mail regularly and notify the vendor should you not receive the expected item. Examples of account information that are received by mail would be: account statements, checks, debit cards, credit cards, pin number mailings, year-end mortgage statements, etc. Most of the time these examples are items that are either recurring at the same time each month, something you have requested, or a replacement of an expired card.
  • Become an FCBCA Internet Banking customer. By monitoring your accounts periodically you are more likely to find fraudulent activity when it happens thereby enabling you to report the fraudulent activity sooner and subsequently STOP further fraudulent activity. Once you are an Internet Banking customer request to receive online statements rather than having them delivered to your insecure mailbox. Also, set up your account to send you e-mail based account alerts (some examples: posted item of $ > $, balance drops below $, etc.)
  • Should you be one of the millions of consumers conducting business online you should arm your computer with VIRUS protection and firewall software. Also, use different complex passwords for different accounts. At a minimum make your passwords alphanumeric (containing letters and numbers). TIP: use a word or name and change some letters to be similar looking symbols and change some to upper case letters and put numbers in the front of it or behind it. Do not write your passwords on a piece of paper and tape it your computer or any part thereof.
  • If you are an online shopper and/or banker always make sure that the web site in which you are conducting transactions or viewing account data is a secure site. To know if it is a secure site check the lower right corner for the gold padlock and also verify that the web site address begins with https:.
  • If you are a frequent user of social media (FaceBook, MySpace, YouTube, etc.) please be careful of the information that you provide your "friends" online.  You do not want to let people know you're banking habits (where and when you plan to cash your tax refund, that you're making a large cash deposit for your employer, etc.).  Please do not provide status updates that could jeopardize your safety.

For more helpful tips click on this link

Should you feel that you are a victim of identity theft or fraud or if you want to obtain your annual free credit report, our lenders can assist you with information regarding credit issues or you can visit

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