Security and Information
Debit Card Security Center
If you lose your card or need to report it stolen you have several options.
RECOMMENDED ACTIONS FOR CARDHOLDERS AT GAS STATIONS
SET UP ALERTS
Alerts are available with your Poplar Grove State Bank Debit Card. You control what alerts to turn on and when you want to be notified.
Equifax Breach information
Review Letter from the President
NEVER use E-mail to send confidential information about you or your accounts. Information such as your Account Number, PIN number, Social Security number, ATM or Debit Card number, Passwords, etc. should NEVER be sent via E-Mail to us. E-Mail is intended for general information only and is not secure.
There are various scams circulating over the Internet where it appears that the FDIC, VISA, MASTERCARD, NYCE ATM NETWORK, STAR ATM NETWORK or YOUR BANK are asking for Personal Information or asking for details about your accounts. NEVER respond to requests asking for PERSONAL information! No reputable business will ask for this type of information via E-mail. We suggest calling or sending this type of information direct.
If you have questions please contact us at:
Poplar Grove State Bank
109 N. State Street
PO Box 280
Poplar Grove, IL 61065-0280
Consumer Tips for Safely Banking Online
Never save your password to your desktop.
Saving your password to your desktop may seem like a time saver but it allows others to access your personal information without your permission.
How personal is your password?
Avoid using passwords that are relevant to your personal situation. Passwords with your phone number, date of birth, or social security number are often gateways to disaster. Create passwords that contain letters and numbers that cannot be easily attributable to you. Change your password every 60 days or as often as you feel comfortable. Remember: The longer the password the harder it is to break it. Use plenty of upper and lower case letters and numbers too.
Don't open email from unknown sources.
”Phishing” emails are those sent to your email address by cyber criminals who wish to steal your personal information. Be wary of any email that asks for PIN numbers, passwords or your credit card information. These letters are often emblazoned with the real registered logos of legitimate companies that you may already do business with. Links within these “Phishing” letters may take you to fraudulent “Spoof” websites which are designed to fool consumers into trusting the integrity of the website. Most Phishing emails do not even address you by your proper name because they are “blanket” emails sent out in mass to thousands of potential targets.
Read between the lines!
Emails do not have boundaries. You may be the recipient of a fraudulent email from any country in the world. Pay close attention to the finer details of any email that you receive. Are there typographical errors or unusual grammatical mistakes within the letter? Is there a hyperlink in the email that directs you to a website address that also bears noticeable errors in language and grammar? Use extreme caution. Do not input your personal information until you verify the website with your financial institution.
Report any suspicious emails and website addresses immediately.
Most E Commerce websites maintain security departments that deal with Spam, Phishing scam letters and other security breaches. Forward any unusual emails and website addresses to the security departments immediately so that they advise you on how to proceed.
“We need you to update your password because of a security compromise”
Why would a company that already has your password request it from you? Many illegitimate emails are sent daily asking you to update your password because of purported “security compromises” that do not exist. A simple phone call to the organization in question will answer any question that you may have regarding security compromises. Customer service centers are to be considered your ultimate resource when you receive potentially illegal or confusing emails.
Our hours of operation and telephone numbers are:
Monday thru Thursday 8:00 am to 5:00 pm
Friday 8:00 am to 6:00 pm
Saturday 8:00 am to 12 pm
POP UP Windows.
Beware of any window that “pops up” during an internet banking session. If the window asks you to access another website or to enter your password then you should beware. “RATS” or Remote Access Trojans can be installed on legitimate websites by computer hackers who want to steal your personal information. Call your financial institution’s internet banking customer service immediately to determine the legitimate operation of their website before you honor any request for your personal information.
Use the best virus protection and firewall protection that you can afford.
Virus protection and firewalls provide additional layers of protection that you need to insulate your risk exposure to viruses that can rob your computer hard drive of valuable personal information. Virus protection packages and firewalls can be purchased online or at reputable computer software stores nationwide. Remember that after you install virus protection you will still need to regularly update the software to ensure maximum protection. Most software updates are free once you pay for the annual fee for virus protection software.
Disconnect from the Internet when not in use.
Literally “unplugging” the PC and disabling your wireless router may play key elements in protecting your information when the computer is not being used. Dial up connections can be unplugged from the telephone outlet while wireless routing devices can simply be unplugged from their electrical source or “powered down” during periods when the PC is idle.
Allow your financial institution to contact you using normal channels of communication.
Make sure that your financial institution has your best possible contact telephone numbers and your current mailing address. If your financial institution wishes to contact you they will more than likely use the telephone followed by an actual paper letter sent to your official address.
Everyone makes mistakes.
It is always better to obtain guidance from your financial institution when you suspect that you have inadvertently entered your personal information on a bogus website. Do not delay in contacting your financial institution. There are many resources and solutions available to preserve your piece of mind as well as your financial well being. When in doubt-make the phone call!
The latest attempt to defraud bank customers is a combination of Phishing and Keylogging. Here is how it works.
You receive an email appearing to be from your bank or credit card company asking you to download security software. The email says that this software must be installed in order to guard against recent internet phishing attacks. The software that is installed is actually a keylogger. Keyloggers are used to record everything you type including account numbers and passwords.
Once this software is installed it allows these thieves to steal your personal information. That could allow them to jeopardize your bank account or use your credit card without your authorization.
We will NEVER send an email requesting ANY information from you. The Bank or Credit Card Company already have what they need by law. Be very leery of an email that looks to be from your Bank or Credit Card company that requests you to give out any information or download programs. Legitimate emails are usually only sent to inform customers of any important information.
If you have any doubts, please give us a call.
BE CAREFUL - BE SAFE!
Internet scammers have discovered a new way to try and obtain personal financial information: They go "phishing." Phishing or carding, is a new scam that uses spam to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information.
According to the Federal Trade Commission (FTC), the emails pretend to be from businesses the potential victims deal with - for example, their Internet service provider (ISP), online payment service or bank. The email request the recipients to "update" or "validate" their billing information to keep their accounts active, and direct them to a "look-alike" Web site of the legitimate business, further tricking consumers into thinking they are responding to a bona fide request. Unknowingly, consumers submit their financial information - not to the businesses - but the scammers, who use it to order goods and services and obtain credit.
We will NEVER send you an email request for information or place a Link within that E-Mail directing you to our Web site. Should you ever need to access our Web site please type WWW.POPLARGROVESTATEBANK.COM directly into your browser or use the Book Mark feature.
We use Encryption software to communicate information and transactions from your PC to the bank and vice versa. Encryption software scrambles the message in such a way that it can only be decoded by the sender and receiver.
We do not retain Passwords at anytime. The first time you sign on to our service you are required to change the password. This makes certain that only you can access your account information.
It is our goal to ensure your account information is only accessible by you, that no one can intercept any information and that your transactions remain private.
Identity Theft has become an increasing problem in the electronic age. There are some basic steps you can take to help reduce the risk of Identity Theft.
- Do not give out personal Financial information on the phone, by mail or over the Internet unless you initiated the contact.
- Obtain your credit report from the Credit bureaus at least once per year.
- Report lost or stolen checks immediately.
- Add passwords to your credit cards, debit cards and phone accounts.
- Notify the local authorities of suspicious phone inquires asking for information to “verify a statement” or “award a prize”.
- Protect personal information in your house.
- Shred any important documents or solicitations before disposing of them.
- Closely guard your ATM PIN number and receipts.
- Place outgoing mail in a secured mailbox.
- Review bills for accuracy and don’t ignore any suspicious looking charges.
- Protect your Social Security card and number.
- Watch for your bills.
- Protect your computer.
We use the Chexsystems service to help verify the identity of any new customers. The US Patriot Act now requires us to compare a potential customer’s name to certain government blocked lists. If a name is a match either on the government list or Chexsystem’s list, an account cannot be opened.
ATM/Night Deposit Security Precautions
As with all financial transactions, please exercise discretion when using an ATM or night deposit facility. For your own safety, be careful. The following suggestions may be helpful:
- Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
- Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don't leave them at the ATM or night deposit facility because they may contain important account information.
- Compare your records with the account statements you receive.
- Don't lend your ATM card to anyone.
- Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
- Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don't tell anyone your PIN. Don't give anyone information regarding your ATM card or PIN over the telephone. Don't write your PIN where it can be discovered. For example, don't keep a note of your PIN in your wallet or purse.
- Prevent others from seeing you enter your PIN by using your body to shield their view.
- If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosure you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
- When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility.
- Don't accept assistance from anyone you don't know when using an ATM or night deposit facility.
- If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might want to consider using another ATM or coming back later.
- Don't display your cash; pocket as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home or other secure surrounding.
- At a drive-up facility, make sure all the car doors are locked and all of the windows rolled up, except the driver's window. Keep the engine running and remain alert to your surroundings.
- We want the ATM and night deposit facility to be safe and convenient for you; therefore, please tell us if you know of any problems with a facility. For instance let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.
FBI Fraud Alert
Don't Get Ripped Off!
If you can answer "Yes" to any of the following questions, you could be involved in a fraud or about to be scammed!
- Is the CHECK from an item you sold on the Internet, such as a car, boat, jewelry, etc?
- Is the amount of the CHECK more than the item's selling price?
- Did you receive the CHECK via an overnight delivery service?
- Is the CHECK connected to communicating with someone by email?
- Is the CHECK drawn on a business or individual account that is different from the person buying your item or product?
- Have you been informed that you were the winner of a LOTTERY, such as Canadian, Australian, El Gordo, or El Mundo, that you did not enter?
- Have you been instructed to either "WIRE", "SEND", OR "SHIP" MONEY, as soon as possible, to a large US City or to another country, such as Canada, England, or Nigeria?
- Have you been asked to PAY money to receive a deposit from another country such as Canada, England, or Nigeria?
- Are you receiving PAY or a COMMISSION for facilitating money transfers through your account?
- Did you respond to an email requesting you to CONFIRM, UPDATE, OR PROVIDE your account information?
Tell Branch Personal Immediately