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Financial Management Insurance 877-955-3722
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    Protecting your business's privacy is important to us, and at First State Community Bank, we take measures to ensure your information is secure. We are dedicated to preventing unauthorized access to customer information and are committed to taking appropriate action to protect against fraud.

    Open An Account

    Enhanced Security Features for You

    POSITIVE PAY

    Positive Pay

    Positive Pay manages risk and protects your accounts. It requires check and ACH information to be validated before clearing accounts. By actively monitoring checks presented on your account, Positive Pay ensures that only authorized transactions are processed. Simply upload your check data into the Positive Pay system in digital banking to benefit from this added layer of security.

    SECURE TRANSACTIONS

    Secure Transactions 

    Multi-factor authentication is required on any device that is not trusted or registered by the user. Additionally, step-up authentication is required when high-risk transactions are detected or processed. When using step-up authentication, you must enter a secure access code sent to a registered and trusted device. You may place restrictions on specific activities, accounts, and limits to better control your business through digital banking.

    ACH CREDIT PAYMENTS

    Ach Payments

    Allows your business to transfer funds electronically between banks, reducing the need for paper checks and minimizing the risk of fraud. By using ACH payments, your business can ensure that transactions are processed quickly and securely, providing an added layer of protection against unauthorized access and potential financial losses.

    WIRE SERVICES

    Wire services

    Allows your business to transfer funds quickly and securely between banks, both domestically and internationally. By using wire services, your business can ensure that transactions are processed in real-time, reducing the risk of fraud and unauthorized access. Additionally, wire services often include multiple layers of security, such as encryption and authentication protocols, to protect sensitive financial information.

    Key Security Tips

    Protect your business and your financial information from fraudsters and cybercriminals by following these safe banking tips.

    Sign Up for Banking Alerts

    Protect your hard-earned money by staying on top of your finances with FSCB alerts! Setting up account alerts can help you monitor activity and suspicious transactions. Don't wait until it's too late—safeguard your accounts today!

    Know how to spot phishing attempts

    Phishing is one of the most common ways cybercriminals attack. Don’t reply or click on any links in unsolicited or suspicious emails or texts. View the tips section below to learn how to spot phishing tactics.

    Pick Strong & Unique Passwords

    Create a different password for each of your online accounts. Don’t use birthdays, anniversaries, pet’s or children’s names, or common phrases like “password” or 123456. Instead, use complex phrases that are at least 8 characters long. Your passwords should include upper and lowercase letters and special characters (numbers and symbols).

    Multi-factor identification

    Multi-factor authentication is required for each digital banking user. It is the best way to prevent fraudsters from pretending to be you. This multi-step account login process requires users to enter more information than just a password. Users can register their trusted devices for an extra layer of security. Secure Access Codes are necessary for high-risk activity, like processing certain types of transactions through digital banking. 

    Secure your devices

    Update your computer, tablet and phone regularly, as well as any antivirus and firewall software. Use strong privacy settings on your devices to avoid popups and unsafe websites. 

    Set Up Account Security Alerts

    Enroll in our digital banking platform to stay informed by setting up alerts and easily monitor your accounts via email, phone, or text messages.

    Step One:

    On the menu navigation bar, click settings.

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    Step Two:

    In Settings under Manage Alerts, click Alert Settings.

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    Step Three:

    Click the toggle next to the alerts you want to turn on or off OR set up a New Alert by clicking the top button.

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    Look for Red Flags That Indicate a Scam

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    Urgent or Threatening language

    Scammers may try to create panic by claiming your account is locked or compromised, pressuring you to act quickly. Be cautious with unexpected phone calls. To ensure your safety, call the number on the back of your bank card.

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    Asking for Credentials
    Fraudsters may try to impersonate someone from your bank, and their caller ID might even show up as your bank. Banks never request your account number, PIN, or password via phone, text, or email — and will never ask for your secure access code. Do not disclose such confidential information unless you have dialed the number found on the back of your bank card.

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    Unexpected emails or text messages
    Avoid clicking on attachments/links in emails or text messages claiming to be from your bank. Fraudsters often send fake messages that look legitimate to steal your login credentials or personal details. These attachments/links might contain malware that could jeopardize your computer or personal data. 

    If you have concerns about a phone call, text, or email from an unknown individual or company, be cautious and give the individual/company a call back to a known and verified phone number to ensure the legitimacy of the request.

    How to Report Fraud

    Monitor your accounts regularly. Here's what you should do if you notice unusual activity on your account!

    Fraud Awarness FTC (2)

     

    report fraud

    report fraud 2-1

     

    Stay up-to-date on the latest scam tactics, by visiting consumer.ftc.gov/scams. 

     

    At First State Community Bank, we take the security of your account very seriously.

    Protecting your privacy is important to us, and First State Community Bank takes measures to help ensure that your information is secure. We guard against unauthorized access to customer information, and we are committed to taking the appropriate action to protect against fraud.

    As a general business practice, we would not ask for sensitive personal information by unsolicited email, unsolicited phone calls or text messages. If you have any questions or concerns please call 877-955-3722.

    If you receive an email, phone call or text message requesting verification of your Social Security number, account number, password or PIN,

    DO NOT ENTER

    the information. Instead, please contact First State Community Bank at 877-955-3722 for verification before responding to any such request.

    Ways to identify phishing and spoofing emails include:

    Are the URLs Legitimate? The easiest way to identify if an email is legitimate or not, is to simply hover over any URLs the email is trying to get you to visit. You will always want to make sure the link is legitimate and uses encryption (https://).

    Requests for personal information. First State Community Bank will never ask you to reply in an email with any personal information such as your Social Security number, Debit Card number or PIN.

    Urgent appeals. We will never claim your account may be closed if you fail to confirm, verify or authenticate your personal information via email, phone call or text message.

    Offers that sound too good to be true. We will never ask you to fill out a customer service survey in exchange for money, and then ask you to provide your account number so you can receive the money.

    Obvious typos and other errors. These are often the mark of fraudulent emails and websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.

    If you receive a suspicious email that uses First State Community Bank’ name, please contact us at 877-955-3722.

    Educational Resources

    Money Management

    What Is Contactless Payment and How Does it Work?

    Learn More

    Saving

    Finding the Best Business Banking Account

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    Business Banking

    How to Manage Your Business Finances

    Learn More

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    First State Insurance Agency and First State Financial Management products are: not a deposit, not FDIC insured, not insured by any government agency, not bank guaranteed and may decrease in value.