Customer Awareness


Commitment to Security

Online Banking Security

What is Phishing

How to spot Phishing

Learn More About Phishing

Safety Tips for Minimizing Your Risk

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, text or, 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.

If you suspect identity theft, want to report any suspicious emails or websites, or have any questions regarding this notice, please contact Country Bank via phone 866-701-1122 or Email Form


 Online Banking 

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 crypto system 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. 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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 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 Number
  • 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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 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 Cyber security 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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 Safety Tips to Minimize 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 phishes 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.
Some suggestions include:

 http://www.symantec.com/index.htm
 http://www.mcafee.com/us/

Be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them.

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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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 Additional Resources and Information 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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