The Fauquier Bank Wordmark Logo The Fauquier Bank Wealth Management Wordmark Logo

Security

The simple fact is you can protect yourself against most forms of identity theft. The first step is education. Take a few moments to learn about each of the steps you can take to avoid being a victim. The security of your personal information is important to us. TFB will never ask for your debit card PIN in an email, text, or on the phone. If you get such a request, call TFB at 1-800-638-3798.

 

ID Theft Security

Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. Learn how to protect yourself! Plus, learn how you can protect your business from fraud.

Learn more about Identity Theft Prevention

Current Threats

Your Security in the News...

Marriott (Starwood) Data Breach

On November 30, 2018 the Marriott hotel chain announced there had been a breach of its Starwood Preferred Guest reservation system.  The breach lasted about four years and compromised the information of about 500 million guests.  How many of the records exposed involved payment information?  Marriott is only saying “For some, the information also includes payment card numbers and payment card expiration dates, but the payment card numbers were encrypted using Advanced Encryption Standard encryption…”  This would indicate that the exposure of payment information may not be likely.  As we know from experience, the information can change as the investigation continues. 

The Fauquier Bank is researching to identify any debit cardholders who may have been impacted by that compromise.  As with any of the major data breaches reported in the news over the last several years, there are distinct steps you can take, and ways in which TFB will protect your money. 

Review your statement.
If you find a transaction you did not make, report it to a TFB Customer Service Representative as soon as possible.  If it is reported within 60 days of the charge, you will be reimbursed. 

Update your records.
Do we have your current cell phone number?  We are upgrading our systems that detect suspicious transactions so that we can contact you through a text message.  Making sure we have your current cell phone number in the system will ensure timely notification and enhance our ability to limit what the fraudsters can do. 

Use the app.
With the TFB app, you can set limits for where your card can work and for how much.  You can block certain types of merchants, or just limit transactions outside of a certain area.  You can even turn it off and on to prevent use when not authorized.  Choose from a variety of account alerts including debit card transactions in real time. 

Take advantage of help Marriott is offering.
Marriott is offering a free one-year enrollment in WebWatcher, which monitors sites selling personal information on the dark web.  Once enrolled, you will be notified if your information is found for sale. 

Holiday (and everyday) Online Shopping Safety

Cyber Monday began early.  Did the last one ever really end?  It is estimated that more holiday shopping was conducted online for “Black Friday” than in brick and mortar stores this year.  To be fair, some of the brick and mortar stores have an online presence.  So, how do you keep your account safe when shopping online? 

Watch out for the hook!  We all want to save money, but when a relatively new site offers something at a ridiculously low price it may just be a hook to get you to enter your card information for a scammer.  Though a popular tactic year-round, it really picks up during the holiday rush.  The old motto “if it’s too good to be true, it probably isn’t” still rings true. 

It doesn’t mean what you think it means!  Everyone is told to look for the padlock on a website.  All the padlock means is the communications is secure between the sender and receiver.  If the site is hacked, the information is still compromised.  And nowhere does it say a criminal can’t use a secure link to scam you.  Hey, they want to protect the information they are stealing too! 

Read the screen!  Or maybe better yet, read the URL.  If you click on a link in an online advertisement you may be redirected to a great looking scam website.  Hover your mouse over the link to see what it really says.  On a cellphone, just press on the link for a few seconds.  When you release your finger, the actual address will appear.  And really read it.  A website like filter,com could be spoofed as fi1ter.com.  Did you see that, I replaced the lower case “L” with the number 1.  When in doubt, type in the correct web address (URL) in yourself instead of clicking the link. 

We have your back!  There is quite a bit of bad information out there about what banks will or won’t do if you have been defrauded.  A debit card is just as safe as a credit card to use online.  If you are defrauded, and you bring unauthorized charges to our attention within 60 days, you will be reimbursed.  Not just for the fraudulent charges, but fees as well.

Security Threats

Paper Documents Containing Confidential Personal and Financial Information
What We DoWhat You Can Do
  • We offer eDocs to reduce paper in your mailbox, stored at home or thrown in the trash.
  • eBills received through online bill pay further reduce the amount of personal information delivered to your mailbox.
  • We sponsor community shred days.
  • Stop payment can be placed on a single check or a series of checks anytime through online banking anytime.
  • Sign up for online banking, bill pay, eBills and eDocs.
  • Secure necessary paper documents in a home safe or rent a safe deposit box from the bank.
  • Shred all paper documents that contain confidential financial information.
  • Store checks and checkbooks out of plain view – preferably in a secure location.
Unauthorized Access to Online Accounts
What We DoWhat You Can Do
  • We support the use of complex Access IDs and passwords.  Security questions and computer registration substantially reduce the risk of account exposure to online predators.
  • Website encryption (https:) further protects information as it flows between two points.
  • Our Customer Care Center provides support via telephone or live chat 8am – 7pm weekdays, 9am – 1pm Saturdays.
  • Forced log-out after online banking or bill pay has been idle for a specific length of time.  Users are automatically logged out when the system is idle for a length of time This protects your login and your accounts.
  • Employ geo-location technology and challenge questions to detect unusual access points and validate your identity
  • Use predictive activity models to detect unusual activity
  • Provide access to all types of real-time alerts so you can monitor your account activity anytime, anywhere
  • More security with TFB.bank!
  • Use complex Access IDs and passwords, i.e. one that contain special characters (*, !, #, @, &, %, in addition to a numbers and upper and lowercase letters). Use a different password per each website.
  • Choose a unique online banking password that differs from what you have established on any other website or email system.
  • Memorize user names and passwords or store them in a secure place.  Change credentials periodically.
  • Do not access online banking using a shared wireless connection or public computer.
  • Be sure to log out of bill pay and online banking completely after each session.
  • Protect your mobile device.  Use the passcode lock on your smartphone and other devices.  This will make it more difficult for thieves to access your information if your device is lost or stolen.
  • Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer's recommended technique.  Some software allows you to wipe your device remotely if it is lost or stolen.
  • Keep current versions of anti-virus software. Run virus scans frequently and search for software updates. Automate the processes if possible.
Unauthorized Access to Accounts Using Cards
What We DoWhat You Can Do
  • Provide debit cards with chip-and-PIN technology
  • TFB debit cards are eligible for use with Apple Pay™ and Google Pay™.
  • Automated activity monitoring looks for abnormal purchase and spending patterns. 
  • Provide access to real-time alerts so you can monitor your debit card activity anytime, anywhere
  • Our Customer Care Center provides support via telephone or live chat 8am – 7pm weekdays, 8am – 1pm Saturdays.
  • Use cardholder name, address, expiration date and code matching tools for online purchases to reduce possibility of fraudulent use.
  • 24/7 reporting service for lost and stolen cards.
  • Work with card companies and local law enforcement to recover unauthorized purchases. 
  • Notify customers of card data breaches – even if they do not impact the bank. 
  • Provide added protection for purchases made online or by phone with 3-D Secure
  • Always use the chip reader at merchant terminals and enter your PIN to complete transactions.
  • For added security, use Apple Pay™ or Google Pay™ at participating merchant terminals and websites
  • Use the Manage Cards and Alerts features with the TFB Mobile app to monitor, block and restrict cards in real-time.
  • If unauthorized transactions appear, report them right away.
  • Notify your bank and card companies when you plan to go on a trip or vacation that will take you to unfamiliar territory.
  • Do not store cards and PINs together.
  • Sign the back of all cards.
  • Keep cards in sight during a transaction.
  • Inspect ATMs for attachments; report suspicious people nearby.
  • Keep receipts and check statements frequently.
  • Do not use public computers or shared wireless internet connections to access online banking or make online purchases.
  • Report unauthorized purchases immediately.
Account Activity That Goes Unnoticed - Even if it's Only a Dollar
What We DoWhat You Can Do
  • eDocs are received faster than paper statements received by mail.
  • Online banking is a great tool for frequent monitoring of account activity.
  • www.TFB.bank has a link to the official free credit report site.
  • Take advantage of the speed and efficiency of online banking and eDocs – sign up today!
  • Use the account monitoring tools available through TFB Online and TFB Mobile.
  • Exercise your right to a free credit report annually. Review it carefully and question anything you do not recognize. Request corrections where necessary and follow up to ensure the corrections are made in a timely manner. 

 

Have Questions?

Back to Top