Security Center

Lost or stolen access device

Report a lost or stolen First Community Bank of Mercersburg Debit or ATM card - call 1-800-472-3272

Report a lost or stolen First Community Bank of Mercersburg Elan Visa credit card- call 1-866-234-4691

Cyber Security Awareness

Did you know that October is National Cyber Security Awareness Month? Visit the U.S. Department of Homeland Security website where you can view the latest information to help keep you safe while browsing the web. You can also view videos on online security, identity theft, scams and other security topics by visiting the Federal Trade Commission website.  
  
Threats In the News

(September 2017) - Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Equifax has established a dedicated website, www.equifaxsecurity2017.com, to help consumers determine if their information has been potentially impacted and to sign up for credit file monitoring and identity theft protection.

Ransomware - The FBI has released an article addressing ransomware campaigns that use intimidating messages claiming to be from the FBI or other government agencies. Scam operators use ransomware – a type of malicious software – to infect a computer and restrict access to it until a ransom is paid to unlock it.  Users are encouraged to review the FBI article "Ransomware on the Rise" for details.

Corporate Account Takeover (CATO) - A type of business identity theft where cyber thieves gain control of a business’ computer system and access to their bank account information.  Businesses of all sizes are vulnerable and potential victims unless sufficient security controls are in place.  More information regarding CATO and recommended security practices can be found in information provided by the National Automated Clearing House Association (NACHA) at NACH.org or by joint agencies of the U.S. Secret Service, FBI, IC3, and FS-ISAC provided at ic3.gov

Business E-Mail Compromise (BEC) which targets businesses and E-Mail Account Compromise (EAC) which targets individuals, unlike account takeover are schemes that involve impersonating victims to submit seemingly legitimate transactions for a financial institution to execute.  Tips to protect yourself include not opening e-mail messages from unknown parties, be cautious of clicking on links within e-mails, implement dual step processes, and monitor accounts for unusual activity.

FDIC Consumer News

Check out the latest issue of FDIC Consumer News for helpful hints, quick tips and common sense strategies to protect and stretch your hard-earned dollars. FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services and is produced quarterly by the FDIC Office of Communications in cooperation with other Divisions and Offices. It is intended to present information in a nontechnical way and is not intended to be a legal interpretation of FDIC or other government regulations and policies.

Tips to Combat Identity Theft

Below are five (5) commonly accepted things you can do to help combat identity theft:

  • First, consider signing up for credit monitoring (unfortunately most of these will only alert you after something has happened);
  • Next, look at all options regarding account freezes for your credit files at the three major credit bureaus: Equifax, Experian and TransUnion. There are advantages and disadvantages to freezing your account. Remember that generally it is not possible to sign up for credit monitoring services after a freeze is in place and this could impact any buying decision you make where a credit report will need to be pulled. Advice for how to file a freeze is available on the following website on a state-by-state basis: http://consumersunion.org/research/security-freeze/;
  • Check your credit reports via the free annualcreditreport.com;
  • Check your bank and credit card statements for any unauthorized activity and contact your bank and credit card company immediately if any unauthorized activity is found; and
  • If you believe you may have been the victim of identity theft, you can learn more about how to protect yourself at the following website: www.idtheftcenter.orgYou can also call the center’s toll-free number (888-400-5530) for advice on how to resolve identify-theft issues. All of the Identity Theft Resource Center’s services are free.
     

Tax Identity Theft Awareness — Are You Ready?

Ready for tax season? If you haven’t heard about tax identity theft, you may not be.

Tax identity theft happens when someone files a phony tax return using your personal information — like your Social Security number — to get a tax refund from the IRS. It also can happen when someone uses your Social Security number to get a job or claims your child as a dependent on a tax return. Tax identity theft has been the most common form of identity theft reported to the Federal Trade Commission (FTC) for the past five years.

Tax identity thieves get your personal information in a number of ways. For example:

·        someone goes through your trash or steals mail from your home or car

·        imposters send phony emails that look like they’re from the IRS and ask for personal information

·        employees at hospitals, nursing homes, banks, and other businesses steal your information

·        phony or dishonest tax preparers misuse their clients’ information or pass it along to identity thieves

So what can you do about it? To lessen the chance you’ll be a victim: 

·        file your tax return early in the tax season, if you can, before identity thieves do

·        use a secure internet connection if you file electronically. Don’t use unsecure, publicly available Wi-Fi hotspots at places like coffee shops or a hotel  lobby

 ·        mail your tax return directly from the post office

 ·        shred copies of your tax return, drafts, or calculation sheets you no longer need

 ·        respond to all mail from the IRS as soon as possible

 ·        know the IRS won’t contact you by email, text, or social media. If the IRS needs information, it will first contact you by mail.

 ·        don’t give out your Social Security number (SSN) or Medicare number unless necessary. Ask why it’s needed, how it’s going to be used, and how it will be stored.

 ·        get recommendations and research a tax preparer thoroughly before you hand over personal information

 ·        if your SSN has been compromised, contact the IRS ID Theft Protection Specialized Unit at 800-908-4490

 ·        check your credit report at least once a year for free at annualcreditreport.com to make sure no other accounts have been opened in your name

What if you are a victim? Tax identity theft victims typically find out about the crime when they get a letter from the IRS saying that more than one tax return was filed in their name, or IRS records show they received wages from an employer they don’t know. If you get a letter like this, don’t panic. Contact the IRS Identity Protection Specialized Unit at 800-908-4490.  Visit IdentityTheft.gov, the federal government’s one-stop resource to help you report and recover from identity theft. You can report identity theft, get step-by-step advice, sample letters, and your FTC Identity Theft Affidavit. These resources will help you fix problems caused by the theft.

What To Do If Your Identity Has Been Stolen:

Contact a nationwide credit reporting company and request a fraud alert to be placed on your credit report.

Equifax 1-800-525-6285

Experian 1-888-397-3742

TransUnion 1-800-680-7289

Order your credit report and review for signs of fraud.

File a complaint with the FTC at ftc.gov/complaint or call 1-877-438-4338 and contact your local police department.

If you have any security questions or concerns, please contact us at 717-328-3121 or 877-328-3121.