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.
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.
Update your records.
Use the app.
Take advantage of help Marriott is offering.
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.