Security









Customer Awareness Program

Commitment to Security
Online Banking Security
Identity Theft
Minimizing your risk of Identity Theft
What is Phishing
How to spot Phishing
Safety Tips for Minimizing Your Risk
Learn More About Phishing
ATM Fraud
Additional Information and Resources

Country Bank’s Commitment to Security

Country Bank will NEVER request personal information by email or text messaging including account numbers, passwords, personal identification information or any other confidential customer information.
Fraudulent emails may be designed to appear as though they are originated by Country Bank. Do not respond to any email communications which request any type of personal or confidential information and do not go to any links listed on that email.

These communications are not originated by Country Bank. Never give out any information that the Bank already has to a caller, texter, or email sender. If you contact us we may verify the last 4 digits of your SSN to confirm your identity but we will never contact you and ask for your debit/credit card number or your full SSN. If we need to contact you, it will always be done in a manner that protects your personal, confidential information and we will clearly identify ourselves. One of Country Bank’s top priorities is to safeguard YOUR confidential information and we work diligently to do so.

We always work with the local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible. We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it.

Immediately report any suspicious emails or websites to Country Bank by forwarding the message to fraudprevention@countryaz.com. If you suspect identity theft or have any questions regarding this notice, please contact Country Bank at 866-701-1122.

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Online Banking Security

Country Bank is committed to protecting your personal information. Our Online Banking uses several different methods to protect your information. All information within our Online Banking uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a cryptosystem that creates a secure environment for the information being transferred between your browser and Country Bank. All information transferred through Online Banking has a 128-bit encryption which is the highest level of encryption. A secure site will typically display a padlock in the status bar of your browser window. Our internet banking has a number of security features built into it. Please contact us for additional information.  In addition to the security features put in place by Country Bank here are some tips on keeping your information secure.

  • Never give out any personal information including Usernames, Passwords, SSN, Date of Birth
  • Create difficult passwords which include letters, numbers, & symbols when possible
  • Don’t use personal information for your usernames or passwords like Birth Dates & SSN
  • Avoid using public computers to access your Online Banking
  • Don’t give any of your personal information to any web sites that does not use encryption or other secure methods to protect it

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Identity Theft

Identity theft is a very costly and serious crime. People who have fallen victim to identity theft have spent their time and money pulling their financial lives back together. During this period, some victims may lose job opportunities, are refused loans, education, housing or cars, or even get arrested for a crime they didn't commit.

Identity theft happens when your personal information, usually your Social Security number (SSN), is stolen and used to commit fraud or theft. The thief can use this information to rent apartments, buy cell phones, drain your bank account or obtain loans and credit cards. In worst-case scenarios, thieves can even hold a job or commit a crime using your identification.

If you feel you may be a victim of identity theft, please contact Country Bank.

Identity thieves have different ways of obtaining your personal information. Identity thieves need something from the following list to begin:

  • Your wallet or purse—containing ID, credit cards, debit cards, checks, statements or other account identifying information.
  • Bank statements or receipts that may not have been properly disposed of. If you are finished with these items, use a shredder or other device before throwing them out to protect yourself.
  • Mail—credit card statements, checks, tax information, pre-approved credit card offers, etc. If you feel you have had mail stolen from your mailbox (which is a federal crime), notify your local police department, your post office, as well as Country Bank.
  • Personal information from your home or home computer.
  • Files from offices where you are a customer, employee, patient or student.

These items and other personally identifying items should be kept in a secure confidential place minimizing the access by unknown people.

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Minimizing Your Risk of Identity Theft

While identity theft cannot always be prevented entirely, you can minimize your risk. By managing your personal information wisely, cautiously, and with an awareness of the issue, you can help guard against identity theft.  Follow these steps today to prevent the unsafe and unauthorized use of your personal information.

  • Order a copy of your credit report from each of the three major credit bureaus. Your credit report contains personal information on where you work, live, credit accounts that have been opened in your name, and whether you’ve been sued, arrested or filed for bankruptcy. Be sure it’s accurate and includes only those activities you’ve authorized. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 months.

You can request your free report online, by phone or by mail. Visit AnnualCreditReport.com, call 1-877-322-8228, or fill out the Annual Credit Report Request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.  No matter how you request your report, you have the option to request all three reports at once or to order one report at a time.  By requesting the reports separately, you can monitor your credit more frequently throughout the year.

Free Annual Credit Report — http://AnnualCreditReport.com/
To order your report call: 1-877-322-8228
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

These are the three major credit bureaus:

Equifax — www.equifax.com 
To order your report, call: 800-685-1111
To report fraud, call: 800-525-6285
TDD 800-255-0056 and write:
P.O. Box 740241, Atlanta, GA 30374-0241

Experian — www.experian.com
To order your report, call: 888-EXPERIAN (397-3742)
To report fraud, call: 888-EXPERIAN (397-3742)
TDD 800-972-0322 and write:
P.O. Box 9532, Allen TX 75013

TransUnion — www.transunion.com
To order your report, call: 800-888-4213
To report fraud, call: 800-680-7289
TDD 877-553-7803; fax: 714-447-6034
Write: Fraud Victim Assistance Department
P.O. Box 6790, Fullerton, CA 92834-6790

  • Place passwords on your credit card, bank and phone accounts. Avoid using easily available information such as your mother’s maiden name, your birth date, the last four digits of your Social Security Number or your phone number, or a series of consecutive numbers. When opening new accounts with Country Bank, you may choose to use a password to identify yourself when requesting information in person or over the telephone.
  • Secure personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home. Country Bank offers a variety of various sized, fireproof Safe Deposit Boxes in order to aid in the protection of your personal information.
  • Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
  • Deposit outgoing mail in post office collection boxes or at your local post office, rather than in an unsecured mailbox. Promptly remove incoming mail from your mailbox or use a post office box. If you’re planning to be away from home and can’t pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold or process a alternate address with Country Bank if you are leaving for a specific season like vacationing in Florida for the winter.
  • Don’t carry your Social Security Card with you; leave it in a secure place.
  • Give your SSN only when absolutely necessary. Ask to use other types of identifiers when possible.
  • Before you dispose of a computer, delete personal information. Deleting files using the keyboard or mouse commands may not be enough because the files may stay on the computer’s hard drive, where they may be easily retrieved. Use a utility program to overwrite the entire hard drive. It makes the files unrecoverable.

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What is Phishing?

Phish or fraudulent emails may contain links to phony websites or request you to share personal or financial information by using clever and compelling language, such as an urgent need to update your information or communicate with you to ensure the security of your accounts.

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How to Spot Phishing
  • Requests for personal information - Fraudulent e-mails usually ask for personal or account information such as:
    • Account numbers
    • Mother's maiden name
    • Date of birth
    • Social Security numbers
    • Credit and check card numbers
    • Online banking user IDs and passwords
    • Other confidential information
  • The Use of Non-secure Web pages - Thieves can build a fake Website that looks nearly identical to an authentic one. They can alter the URL (Web address) that appears in your browser window. Watch out for non-secure Web pages that ask for sensitive information (secure sites will typically display a padlock in the status bar of your browser window, as the authentic Country Bank website does when using online banking services).
  • Language and tone - The message you receive may urge you to act quickly by portraying that your account is threatened. It may state that if you fail to update, verify or confirm your personal or account information, access to your accounts will be relinquished or suspended. The wording may also be sloppy, unprofessional or contain misspellings.

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Safety Tips for Minimizing Your Risk

  • If you receive an email or pop-up message that asks for personal or financial information, do not reply or click on the
    link in the message. Please remember that Country Bank will never ask for your personal financial information in an email message.  If you are concerned about a possible scam or think you may have given out your personal Country Bank account information, please contact Country Bank to verify the authenticity of the request contact us. In any case, do not cut and paste the link in the message.  
  • Resources are also available at Federal Trade Commission or 1-877-FTC-HELP (1-877-382-4357) or email.
  • Do not email personal or financial information. Email is not a secure method of transmitting personal information. If you initiate a transaction and want to provide your personal or financial information through our website, look for indicators that it is our authentic site such as the lock icon on the status bar or a URL for a website that begins “https:” (the “s” stands for “secure”). Unfortunately, no indicator is foolproof; some phishers have forged security icons.
  • Review your credit card and bank account statements as soon as you receive them to determine whether there are any unauthorized charges. If your statement is late by more than a couple of days, contact us to confirm your billing address and account balances.
  • Use anti-virus software and keep it up to date. Some phishing emails contain software (known as Spyware) that can harm your computer or track your activities on the internet without your knowledge. Anti-virus software and a firewall can protect you from inadvertently accepting such unwanted files. Anti-virus software scans incoming communications for troublesome files. Look for anti-virus software that recognizes current viruses as well as older ones; that can effectively reverse the damage, and updates automatically.
  • Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.
     

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To Learn More About Phishing

To learn more about phishing and internet scams, you can visit The Office of the Comptroller of the Currency (OCC) at http://www.occ.gov/consumer/phishing.htm or via email at Office of Comptroller.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. You can visit their website at www.ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.
     
The FTC enters internet, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure, online database available to educate yourself on how law enforcement officials fight internet crime, track fraud trends, and inform yourself about additional tips in protecting your personal privacy.

Onguardonline.gov is the federal government’s website to help you be safe, secure and responsible online.The Federal Trade Commission manages Onguardonline.gov, OnGuardOnline.gov is a partner in the Stop Think Connect campaign, led by the Department of Homeland Security, and part of the National Initiative for Cybersecurity Education, led by the National Institute of Standards and Technology.

Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords or other sensitive information.

Phishers send an email or pop-up message that claims to be from a business or organization that you deal with for example, financial institution, online payment service, or even a government agency. The message usually says that you need to update or validate your account information, and express the immediate need to reply. It might threaten some direct consequence if you don't respond. The message directs you to a Website that looks just like a legitimate organization's site, but it isn't. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

We would like to remind you that Country Bank will never ask you for your financial information via email or other electronic transmission.  If you feel you may be a victim of phishing, please contact us at fraudprevention@countryaz.com. 

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ATM Fraud

  1. Always pay attention to your surroundings.
  2. Memorize your PIN, never write it on the back of your card.
  3. Prepare transaction paperwork prior to your arrival at an ATM. This will minimize your time at the ATM.
  4. Closely monitor your bank statement.

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Additonal Information and Resources can be found at:

USA.Gov - Consumer Frauds and Scams:
http://www.www.usa.gov/topics/consumer/scams-fraud.shtml/

Federal Trade Commission:
http://www.ftc.gov/bcp/edu/microsites/idtheft/

FDIC Consumer Alerts:
http://www.fdic.gov/consumers/consumer/alerts/index.html

United States Department of Justice:
http://www.usdoj.gov/criminal/fraud/websites/idtheft.html

On Guard Online
http://onguardonline.gov/

Annual Credit Report
http://AnnualCreditReport.com/
1-877-322-8228
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Equifax — www.equifax.com
To order your report, call: 800-685-1111
To report fraud, call: 800-525-6285
TDD 800-255-0056 and write:
P.O. Box 740241, Atlanta, GA 30374-0241

Experian — www.experian.com
To order your report, call: 888-EXPERIAN (397-3742)
To report fraud, call: 888-EXPERIAN (397-3742)
TDD 800-972-0322 and write:
P.O. Box 9532, Allen TX 75013

TransUnion — www.transunion.com
To order your report, call: 800-888-4213
To report fraud, call: 800-680-7289/
TDD 877-553-7803; fax: 714-447-6034; or write: Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834-6790

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