Important Security Information
Protecting Your ATM Card
- Contact Charis Bank at (940) 648-2753 to report a lost or stolen card or contact (888) 297-3416 after hours. If you have downloaded the Charis Banking app and utilize online banking, you may also service you debit card by locking it or reporting lost or stolen. You can also manage your card and receive card-specific alerts.
- Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.
- Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you.
- Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.
- Charis Bank employees will never ask you for your PIN number or require it to service your account.
- Never give any information about your ATM card or PIN over the telephone. If you receive a call, text or email supposedly from your bank or another official party wanting to verify your PIN, refuse to provide them your personal information. Notify the police immediately.
Using an ATM
- Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
- Have your ATM card ready and in your hand as you approach the ATM. Do not wait to get to the ATM and then take your card out of your wallet or purse.
- Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.
- Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.
- To keep your account information confidential, always take your receipts or transaction records with you.
- Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
- If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.
Special Precautions for Using an ATM at Night
- Park close to the ATM in a well-lighted area.
- Take another person with you, if at all possible.
- If the lights at the ATM are not working, do not use it.
- If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.
What is Corporate Account Takeover?
How do I protect myself and my small business?
- Educate your employees. You and your employees are the first line of defense against corporate account takeover. A strong security program paired with employee education about the warning signs, safe practices, and responses to a suspected takeover are essential to protecting your company and customers.
- Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location. Do not use unprotected internet connections. Encrypt sensitive data and keep updated virus protections on your computer. Use complex passwords and change them periodically.
- Partner with your bank to prevent unauthorized transactions. Talk to your banker about programs that safeguard you from unauthorized transactions.
- Pay attention to suspicious activity and react quickly. Look out for unexplained account or network activity, pop ups, and suspicious emails. If detected, immediately contact your financial institution, stop all online activity and remove any systems that may have been compromised. Keep records of what happened.
- Understand your responsibilities and liabilities. It is critical that you understand and implement security safeguards. If you don’t, you could be liable for losses resulting from a takeover.
Report Identity Theft and Get a Recovery Plan. IdentityTheft.gov can help you report and recover from identity theft.
FDIC - Quick Links for Consumers & Communities
Department of Justice - Task Force on Market Integrity and Consumer Fraud. Fraud committed by companies and their employees has a devastating impact on American citizens in the financial markets, the health care sector, and elsewhere.
Steps to help further protect your card from fraud
- Sign your new card as soon as it is received.
- Keep your account information and PIN number secure. Choose a PIN that is unique; do not share it with anyone, do not write it down or store it in your wallet.
- Conduct transactions privately. Make sure no-one watches you enter your PIN.
- Be alert to skimmers. If the machine looks like it has been tampered with, altered or has loose parts, do not use it.
- Be careful when shopping online, make sure the site you are visiting is reputable and secure (“https” in the URL is an indication of encryption).
- Avoid transactions that require your credentials when using public Wi-Fi or a shared computer.
- Look through your bank statements when you receive them. Report suspicious transactions to the bank immediately.
- Report a lost or stolen card immediately; call toll free (866) 297-3416. Outside of the U.S. call (206) 389-5200.
- Make photocopies of the front and back of your card and keep it in a secure location.
Fraud Center Information
With the increased use of smartphones and other mobile devices like tablets, cyber attackers, both human and automated computer programs (bots), are continuously looking for vulnerabilities in any system they can exploit. While Charis Bank has partnered with great security providers and maintains top-of-the line defenses, here are a few tips to keep your accounts and mobile device secure from potential threats.
Also, remember, anyone else whose biometric information is saved on your device could potentially access your bank accounts via the mobile apps. Be aware of the security lock settings on your device and check them from time to time.
Even though mobile apps are often reviewed before they are released to the general public for download, apps with malicious software can still post a threat to your device. Do your research and be safe downloading apps onto your device.
A few final points of security to consider.
Dealing with Fraud
April 20th, 2020
During a time of crisis, such as Covid 19, cyber criminals increase their efforts to prey on individuals to gain personal and confidential information. Follow the steps below to help protect yourself from fraud:
Beware of fraudulent emails or texts stating your bank account has been temporarily suspended. Many will contain a fraudulent link encouraging you to log in with your banking username and password.
- Rely on government and well-established news sources for credible information such as the CDC and the Department of Homeland Security. Several scams prey on fear to entice you to click on links and request sensitive or confidential information. Be cautious of communications with the following or similar subjects:
- Obtaining U.S. government funding related to Coronavirus relief.
- Check for an updated Coronavirus map in your city.
- Coronavirus infection warnings from local school districts/governmental entities.
- Keep your children safe from Coronavirus.
- Don’t giver personal information to anyone who calls or emails you, especially if they mention a government stimulus payment.
- Be extra vigilant to follow secure cyber practices:
- Do not click on attachments or links from individuals or organizations that you are not expecting or from someone you do not know.
- Pay close attention to email and web addresses. Look for misspellings, grammar mistakes or other red flags.
- Hover the mouse cursor over hyperlinks to see where they lead.
- Avoid messages that urge you to act now. This sense of urgency is meant to pressure people into making irrational decisions.
What it is
- Messages inviting you, or even urging you to click on a link
- Hackers gaining access to your devices to gather personal information or financial information
- Debit card skimmers capturing your card information to duplicate and use elsewhere
- Scam ads advising you to accept money and then send some back to the scam artist
- Posers using your personal information to open accounts or otherwise steal money to which you are entitled
Being on your guard
- Check your credit report annually. When you go to AnnualCreditReport.com you can request a free copy of your credit report each year to check for incorrect information.
- Turn on transaction alerts in online banking and check your statements regularly.
- Do not store personal information without strong security. Utilize up-to-date encryption standards on electronic devices, and use locks on physical records. Properly dispose of any records both electronic or paper so that they cannot be recovered.
Responding to identity theft
- The Federal Trade Commission (FTC) has published a webpage informing consumers on what to do right away.
- Inform local law enforcement. Identity theft is a crime, and you are likely not the only victim.
- Make notes of the discussions you have and steps you take along the way.
- Let Charis Bank know! We want to help you, and we can take steps to research or block transactions, and help restore the ability to conduct yourself financially again.
- Inform the credit bureaus. They can advise would-be lenders to use extra caution when reviewing your credit information. You can also review and verify the accounts currently being reported with them.
Equifax, Identity Theft: What it is, What to Do: (800) 525-6285
Experian, Fraud Center: (888) 397-3742