Debit Cards/Safety and Security
Safety and Security
To report fraud or suspicious activity on your account: Contact your local branch
To report a phishing scam: Email [email protected]
ADVICE FROM PEOPLES BANK AND THE FEDERAL TRADE COMMISSION ON HOW TO PROTECT YOUR CARD AND ACCOUNT FROM FRAUD
- Protect your debit card as well as the account number, expiration date, security code on the back, and the PIN.
- Don’t carry your PIN in your wallet, purse, or pocket — or write it on your ATM or debit card. Commit it to memory.
- Don’t disclose your account number over the phone or the Internet unless you initiate the call or you know the person is who he or she claims to be.
- Never write your PIN on the outside of a deposit slip, an envelope, or other papers that could be lost or looked at.
- Carefully check your ATM or debit card transactions; the funds for this item will be quickly transferred out of your checking or other deposit account.
- Regularly check your account activity, especially if you bank online. Compare the current balance and transactions on your statement to those you’ve recorded. Report any discrepancies to your card issuer immediately.
- If you still receive paper statements, open them promptly and compare them to your receipts. Report mistakes or discrepancies as soon as possible.
- Guard your account information. Never leave it out in the open or write it on an envelope.
- Keep a record of your account numbers, expiration dates, and the telephone numbers of each card issuer so you can report a loss quickly.
- Draw a line through blank spaces on charge or debit slips above the total so the amount can’t be changed.
- Don’t sign a blank charge or debit slip.
- Tear up copies and save your receipts to check against your monthly statements.
- Cut up old cards — cutting through the account number — before you throw them away.
- Carry only the cards you’ll need.
Q: WHAT IS PHISHING?
A: Phishing is usually a two-part scam. Part I: email. Fraudsters, also known as phishers, send email to a wide audience that appears to come from a reputable company. This is known as a phish email. In the phish email are links to spoof websites. Part II: spoof websites. Websites that spoof or imitate a reputable company’s website are known as phish sites. Fraudsters hope to convince victims to provide their personal information by using clever and compelling language in their phish emails and spoof websites.
Q:I RECEIVED A PHISH EMAIL. DOES THIS MEAN MY IDENTITY HAS BEEN COMPROMISED?
A: No. Receiving a phish email claiming to be from Peoples does not mean your identity has been compromised. Phish emails claim to come from various reputable companies.
Q:WHAT IF I ENTERED MY PERSONAL OR ACCOUNT INFORMATION THROUGH A SUSPICIOUS WEBSITE OR TELEPHONE NUMBER?
A: Call your local Peoples location to speak with your Personal Banker
Q:WHAT IF I CLICKED ON AN EMAIL LINK TO A SPOOF PEOPLES WEBSITE OR RECEIVED A SUSPICIOUS TEXT MESSAGE, AND DID NOT GIVE AWAY ANY OF MY PERSONAL INFORMATION?
A: For email, make sure your anti-virus software is current and your operating system and browser are updated with current security patches. Some spoof sites contain viral elements so you should verify that you did not download any viruses. Also, delete the email and if you receive other phish emails, report them as well. For suspicious text messages, delete the message from your inbox.
Q:HOW DO I DETERMINE IF AN EMAIL IS LEGITIMATE?
A: Peoples will never request you to send personal information via email. Always use your browser to visit the Peoples website by typing in our URL. If you are familiar with email headers, you can use your email application to check the headers and make sure Peoples is indeed the sender. If in doubt, delete the email.
Q:HOW WAS MY EMAIL ADDRESS LOCATED?
A: Fraudsters locate email addresses from many places on the web. They also purchase email lists and sometimes guess email addresses. Fraudsters generally have no idea if people they send phish emails to are Peoples customers or not. They hope a percentage of the phish emails they send will be received by Peoples customers. Be sure to keep your operating system and browser updated with current security patches.