Security Center

Fraudsters, scammers, and thieves never take a break! Protecting your data is very important. Below you will find guidance to help you protect your personal information. You will also find helpful links if you suspect you may be a victim of such crimes.

 

Fraud Protection

In today’s world, it is more important than ever to protect your personal and your financial information. The fraudsters, scammers, and thieves never take a break. This is why you should remain vigilant in protecting your personal information. There are some simple steps we can all take to help prevent becoming victims. They cannot eliminate the threats we face, but they can help to deter them.

Here are some simple tips to help protect your personal information from falling into the wrong hands.

  • Shred any old documents or discarded mail with personal information
  • If you receive a letter, email, or phone call promising you something that sounds too good to be true, chances are that it is too good to be true!
  • Never give your personal or account information out to a caller if you did not initiate the call! If you have a relationship with that company, they already have your information and will not call you to ask for it!
  • Do not click on links in emails asking you to verify your user name and password information. You just may be giving thieves the information they need to access your account information!
  • If you receive a check in the mail for lottery winnings or any other unexpected winnings and you are asked to send money to take care of “taxes” or “processing fees” for your winnings, this is fraud! If it seems too good to be true……….more than likely it is! Don’t become the victim of a scam.
  • If you receive a letter or call threatening you for any number of reasons, and the payment demand is required in pre-paid cards to settle the matter, this is a scam!
  • Always make sure your electronic devices are password protected, including your phone!
  • Keep all electronic devices current on operating system updates, anti-virus and malware protection.
  • Do not share your user credentials with anyone.
  • Do not open emails from unknown senders.
  • Do not click on links in an email unless you trust the sender. And if you do, be leery of any link asking you to provide account credentials of any type.
  • Attachments to emails can contain threats such as malware, viruses, etc. If you don’t know the sender, don’t open the attachment. If you do know the sender but were not expecting an attachment, verify with them BEFORE opening the attachment. Take the extra step to protect yourself!

Remember that fraudsters will play on the emotions of their victims using tactics such as fear, intimidation, and yes even joy and surprise. Make sure you know who you are dealing with.

We are providing you with some links to help assist you in your quest to keep yourself protected.

Identity Theft, Scams, and Online Safety

Please call our offices immediately if you feel you have been victim of a scam or identity theft! We are dedicated to providing you the resources to protect yourself before you fall prey to attempts by dishonest thieves and scam artists misusing your personal information to assume your identity or abuse you financially! Please check out the links below for more information on how to protect yourself from these situations!

Don't become the next victim!

Identity theft is the fastest growing criminal activity in the United States today. These crimes are committed when someone steals personal information such as your bank account number or Social Security number, then poses as you and takes funds from your account or runs up debt in your name, or both. However, there are ways to protect yourself from it happening to you. The first way is to understand how they are able to obtain your information.

Nine ways thieves steal your identity information:

  1. Snatching a victim's purse or wallet
  2. Stealing personal mail
  3. Dumpster diving
  4. Credit Bureau fraud
  5. Eavesdropping and shoulder surfing
  6. Skimming
  7. Household and computer burglary
  8. Pretexting, phishing, scamming and spoofing
  9. Family theft

Tips to minimize your risk for identity theft:

  • Don't give out your checking account, credit card, or Social Security number over the phone unless you initiate the call and know who you're dealing with.
  • Report lost or stolen checks immediately.
  • Store cancelled checks, and new checks, in a safe place.
  • Notify your financial institution immediately if you receive a suspicious phone call from someone purporting to represent the institution and asking for account information "to verify a statement" or "award a prize."
  • Phishing involves sending customers a seemingly legitimate email request for account information, often under the guise of asking the customer to verify or reconfirm confidential personal information such as account numbers, social security numbers, passwords and other sensitive information. Don't respond to any emails that ask for your password, Social Security number or other personal information such as user credentials. Dilley State Bank will never request confidential information through email. Report any such request to us immediately by calling 830-965-1511.
  • Guard your Debit Card Personal Identification number (PIN) and ATM receipts.

Check your credit

  • Order a copy of your credit report each year. The Fair and Accurate Credit Transactions Act (FACT Act) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, from annualcreditreport.com.
  • Periodically contact the major credit bureaus to review your file and be sure the information is correct. For a small fee, you can obtain a copy of your credit report at any time. The three major credit bureaus are: Equifax 800-685-1111; Experian 888-397-3742; and TransUnion 800-916-8800.

Don’t Be a Victim!

Federal Trade Commission

This website contains information regarding the latest consumer scams and alerts.

Federal Trade Commission

Identity Theft

Federal Trade Commission

The following websites contain information regarding identity theft.

If you suspect you may be a victim of identity theft click on the link below to the Federal Trade Commission for guidance, tips, and helpful information.

Federal Trade Commission 

identitytheft.gov

identitytheft.gov

FDIC

The FDIC also provides information to consumers regarding Identity Theft. The link below offers information on identity theft, electronic scams, safe internet banking, and much more!

FDIC 

The following websites contain helpful information and resources regarding your online safety.

Federal Trade Commission - OnGuardOnline.gov

This website was created by the federal government to help people be safe, secure, and responsible online. This website is part of the National Initiative for Cybersecurity Education.

Federal Trade Commission 

US-CERT - Cyber Security Tips

This website is published by the United States Computer Emergency Readiness Team (US-CERT), describes, and offers advice about common security issues for non-technical computer users. 

Cyber Security Tips 

Federal Trade Commission - Privacy & Security

The Federal Trade Commission (FTC) website contains a Privacy & Security section containing a list of facts for consumers, articles, consumer alerts, and more. 

Privacy & Security 

NACHA Corporate Account Takeover Resource Center

This website has been created by the National Automated Clearing House Association (NACHA) to help companies mitigate the risk of corporate account takeover. The documents and resources available through this site have been developed to assist companies of all sizes in the development, implementation, and review of their security procedures.    

Corporate Account Takeover 

Financial Elder Abuse

Financial Elder Abuse is a growing problem. Don’t be a victim! Know the signs and refer to the National Adult Protective Services Association website for information regarding financial exploitation. In addition, please refer to educational documents in our Disclosures section for more helpful information and red flags for Financial Elder Abuse.

Financial Elder Abuse

 

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