Security

First Secure Bank & Trust offers a variety of web-based banking services. To ensure that these services are provided in a secure and private manner, First Secure Bank & Trust uses a full range of Internet Security measures designed to protect our customers and the bank. These security measures include the use of cryptography: secure browsers and servers, routers and firewalls, SSL protocol, digital certificates, passwords and PINs, and cookies. The security measures allow First Secure Bank & Trust to properly authenticate and identify our customers accessing our Online Banking Services, and to protect your personal information as it travels over the Internet.

 

Cryptography

All customer information is encrypted and authenticated using Secure Socket Layer (SSL) protocol. SSL allows for information to be sent and received securely over the Internet. When a SSL connection occurs, security features within the browser and the server create a secure connection, in which all information shared is encrypted and decrypted by only the intended recipients, ensuring that all data and transactions are secure as they are communicated over the Internet.

 

Firewalls

Firewalls are a combination of hardware and software that measure and limit access to a server or network for security purposes. The firewall is a system between the Internet and a network to provide security from the Internet to the internal network. The firewall keeps track of transaction activity, the time of each transaction, and who performed it.

 

Cookies

Each browser accessing First Secure Bank & Trust's Online Banking Service is given a "cookie". A "cookie" is a piece of information sent by a web server to a web browser. The web browser saves and sends the cookie back to the server each time the browser accesses the site. Cookies allow a web site to identify whether or not a user previously visited the site.

 

Protecting Our Children

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

 

Passwords and Pins

Passwords, PINs, and other similar information are required by First Secure Bank & Trust and are used for security reasons. Please memorize your passwords and safeguard them.

 

Contact

Use the Contact Us form on this website to reach us with any questions or concerns regarding the security of your information.

Watch for emails that:

• Urge you to act quickly because your account may be suspended or closed, or to update your personal information.
• Don't address you by name, but use a more generic one like "Dear valued customer".
• Ask for account numbers, passwords, Access IDs, or other personal information.

 

First Secure Bank & Trust will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via e-mail.

 

The American Bankers Association offers the following tips for protecting yourself against phishing:

• Don’t give your Social Security number or other personal credit information about yourself to anyone who calls you.
• Tear up receipts, bank statements and unused credit card offers before throwing them away.
• Keep an eye out for any missing mail.
• Don’t mail bills from your own mailbox with the flag up.
• Review your monthly accounts regularly for any unauthorized charges.
• Order copies of your credit report once a year to ensure accuracy.
• Do business with companies you know are reputable, particularly online.
• Don’t open email from unknown sources and use virus detection software.
• Protect your PINs (don't carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
• Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.

 

If you become a victim, contact:

• The fraud departments of the three major credit bureaus.
• The creditors of any accounts that have been misused.
• Your local police to file a report.
• First Secure Bank & Trust and any other banks with whom you have accounts, to cancel existing accounts held in your name and re-open new accounts with new passwords.

 

First Secure Bank & Trust is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, please view our Privacy Policy by clicking on the link at the bottom of our website.

Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

 

Helpful Tips:

• Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
• Don't carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.
• Don't put your address, phone number, or driver’s license number on credit card sales receipts.
• Social Security numbers or phone numbers should not be put on your checks.
• Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.
• Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead.
• Secure personal information in your home, particularly if you have roommates or hire outside help.
• Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.
• Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
• Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?

 

Check your credit report

Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized. By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don't underestimate the importance of this step. Click here to check your credit with one of the agencies https://www.annualcreditreport.com/index.action.

 

Contact the FTC

• Website: https://www.usa.gov/identity-theft
• Phone: 1-877-ID-THEFT (438-4338)
• Mailing Address:

Identity Theft Clearinghouse

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

 

With text fraud alerts, if our system detects suspicious activity on your debit card, you’ll receive a text message with details about the transaction. All you have to do is respond to the text to confirm the transaction. If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that.

GETTING STARTED
If we have your cell phone number on file you are automatically enrolled in this program. If there is suspicious activity on account, you will receive a text alert right away. If you need to add your mobile phone number to your contact information, please contact your local banker. You can opt out of the text at any time by following the prompts when you receive a message.

Contact the bank promptly at (708) 430-5000 or after hours call (866) 546-8273