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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 Events

Fraud Trend – Quest Diagnostics Patient Data Compromise

"This Trend Watch from our Risk Office discusses a compromise of Quest Diagnostics patient information and recommends actions to lower the risk of associated fraudulent activity, including identity theft and false authentication."

Read the full article!

Your Security in the News...

No, Your Social Security Number Was NOT Just Suspended

The latest in attempted scams involves calls to cell phones from various unrecognizable phone numbers listed as being from anywhere.  We have all grown accustomed to this.  But this time, they leave a voicemail - a recording stating that your Social Security number has been suspended due to possible fraud.  The phone number doesn’t matter, it was fake anyway.  Of course, this is an attempted scam.  Whether you receive Social Security benefits or not, you can see why this would be a bit concerning. 

Here are the facts:

The Social Security Administration would not call you, they send letters
The scam tries to create a feeling of urgency
The scammer, if you answered the call, would have required you to verify your full SSN and, likely would require some sort of “fee” to unfreeze your Social Security number.

Please consider that all well designed scams require three things:

Speed: ACT NOW!!!  Winnings expire, your next Social Security payment won’t arrive on time, you missed a court date you didn’t know about and the police are on the way to get you.

Greed: The scammers are greedy or they entice you with “winnings.”  Either way, there is always an aspect of “What’s in it for me?”

Details: Too many details, more than you need for what you are being asked to do.  You are told of a supposed compromise, not to tell others, never tell your banker (they might want a piece of your winnings).  They will even have a convoluted reason as to why the payment must be in the form of a gift card.

You think you wouldn’t fall for such a scam?  What might your elderly friends and relatives think?  They likely depend on their monthly Social Security payment.  Please share this with them - help spread the word.  If you believe you have been a victim of fraud, immediately contact your bank using a published phone number or the official bank website.  We are your financial partners in protecting you and your accounts from theft and loss.

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!
  • 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.
  • 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. 


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