Beware of card fraud

Fraudsters are becoming increasingly good at stealing cardholder information in order to commit fraud. Often fraudsters will pose as a financial institution over the phone. They can even spoof the caller ID so the call seems legitimate. They also send text messages that appear to be from a financial institution warning of suspicious transaction activities. Scammers also sometimes call into call centers and pose as cardholders and request changes to their card or account information.

Scammers use information stolen through data breaches such as credit bureaus, rewards programs, and social media in order to combine personally identifiable information and stolen card information in order to appear as the actual person.

Here are several important things to know to protect yourself from fraud:

  • If you receive a text alert from First County Bank warning of suspicious activity on your card, it will never include a link to be clicked. Never click on a link in a text message that is supposedly from First County Bank.
  • Text alerts will always come from a 5-digit number, not a 10-digit number.
  • A phone call from First County Bank’s automated dialer will only include a request for a cardholder’s zip code, and no other personal information unless they confirm that a transaction is fraudulent. Only then will they be transferred to an agent who will ask questions to confirm their identity before going through their transactions.
  • First County Bank will NEVER ask for the PIN or the 3-digit security code on the back of a card.
  • Fraudsters, posing as call center agents, will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put on the new card. Many people believe this and provide their PIN.
  • It is important to regularly check your account(s) online for suspicious transactions, but especially if you are unsure about a call or text message you’ve received. If anything looks amiss, contact the Bank directly for assistance.
  • If you receive a voice or a text message from FirstCounty Bank and are unsure about responding to it, call the Bank directly for assistance.

If you think you have been a victim of fraud contact the Bank immediately.