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Protecting Yourself from Bank Fraud

A criminal doesn't have to steal your identity to steal from you. A stolen ATM card and PIN number can be used to drain your bank account; stolen checks can be forged in your name; Check Card numbers can be used to purchase items from the Internet…the possibilities are, unfortunately, many. But you can protect yourself and minimize your risk of being a fraud victim. Follow the guidelines below to keep all of your First National Bank of the Rockies'® accounts secure. 
 

Bank Account Security
  • Protect your personal and account information at all times. Treat this information as the valuable asset it is.
  • Never give your checking account, credit card, or Social Security number to unknown callers or during telephone sales solicitations. Question suspicious e-mail or phone inquiries. Unless you initiate contact with us, First National Bank of the Rockies® will never request your personal information through e-mail, US mail, or by phone. Please notify us immediately if you receive odd calls or e-mails claiming to come from First National Bank of the Rockies®.
  • Review your bank statements promptly and report any discrepancies or suspect transactions immediately.
  • Report lost or stolen checks, ATM cards, or Check Cards as soon as you discover they are missing.
  • Store your extra checks and deposit slips in a secure, locked location and properly destroy canceled checks or check imaging statements. Never leave your checkbook in your vehicle.
  • Tear up or shred bank statements before throwing them away.
  • Protect your checkbook and bank documents (including statements and canceled checks) so they aren't accessible to guests, contractors, workers, etc.
  • When you close a bank account, be certain to destroy/shred your excess supply of checks and deposit slips.
  • If your home is burglarized, check your supply of checks to determine if any may have been stolen. Look closely, since thieves will sometimes take only one or two checks from the middle or back of the book, making it more difficult to determine that they are missing.
  • Purchase your checks and deposit slips from an approved check vendor to ensure the quality of your check stock and the integrity of your account documents. Use tamper-resistant checks.
  • Do not share your login access codes for Internet Banking, Bill Payment, or Cash Management accounts.

Take advantage of our products and services designed to assist you in protecting your accounts. For additional information about products and services, please call 970-878-5073, or toll free 1-877-443-4600.

 

Protecting Your ATM Card, Check Card, and Credit Cards
  • Never give out your ATM card, Check Card, or credit card PIN (Personal Identification Number). First National Bank of the Rockies® will not ask for your PIN during the verification process. Review your bank and credit card statement for unauthorized use. Report any discrepancies or suspect transactions immediately.
  • Be aware of the expiration date on your cards. If you do not receive a reissued card before the expiration date, notify customer service at 970-878-5073, or toll free 1-877-443-4600.
  • Never write your PIN on your ATM card, Check Card, or credit card. Memorize your PINs and do not give them out to anyone who is not an authorized user of the account.
  • Avoid using obvious or easily obtainable information such as birth dates for your passwords or PINs. Cancel your unused cards.
  • Protect your ATM card, Check Card, and credit card receipts. Some receipts may bear the account number and expiration date.

 

Special Considerations for Business Accounts
  • Segregate financial responsibilities when possible - do not have the same person balance the bank statement and issue checks.
  • Regularly review your account activity and canceled checks, especially if someone else reconciles your bank statement.
  • Secure all reserve supplies of checks, deposit slips, and other banking documents in a locked compartment or safe.
  • Limit access to a few authorized employees.
  • Change the locks or combination when an employee leaves your company.
  • Conduct random audits and enforce vacation policies (especially for employees who have access to financial records and documents).
  • Consider using an electronic payment system for check disbursement rather than manually issuing checks.
  • Familiarize yourself with your liability for fraud under the Uniform Commercial Code.
  • Use a shredder to destroy all canceled checks and financial data that is no longer needed.
  • Have your employees bonded when appropriate.
  • Stay in touch with other businesses to share information regarding suspected fraud activity.
  • Purchase your checks and deposit slips from an approved check vendor to ensure quality of your check stock and the integrity of your account documents.
  • Do not share your login codes for Internet Banking, Bill Payment, or Cash Management with third-party providers. Change your passwords whenever an employee leaves your company.

Take advantage of our products and services designed to assist you in protecting your accounts. For additional information about products and services, please call 970-878-5073, or toll free 1-877-443-4600.

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