Security Information

 

The security of your personal information is important to us.  Security State Bank will never request that customers provide personal information to us via unsolicited phone calls or e-mails.  Any such request for your account or personal information should be considered suspicious and should be confirmed by contacting your local branch directly to verify the validity of the message.


Secure your passwords.

Passwords are your first line of defense against cyber criminals.  Create Strong Passwords: Use a combination of upper and lower case letters, numbers and non-alphanumeric characters.  Don’t use obvious passwords: Such as your spouse, child or pet’s names, your birthdate, your telephone number, etc. Don’t use the same password for multiple accounts: If they guess the password to one account, they can easily access your other accounts. More Information


Protect your identity.

Identity theft is a crime on the rise.  While you can’t fully control whether you will become a victim, you can take certain steps to minimize your risk.

Protect your personal information.

Don’t give out your social security number, credit card numbers or bank account numbers to anyone unless you initiate the transaction – whether on the phone, through the mail, on the computer or in person.

Protect your PINs (Personal Identification Number) and other passwords.  Avoid using easily accessed information such as your birthdate or phone number.

Don’t give your ATM, debit or credit card PIN (Personal Identification Number) to anyone – if you do, they’ll have access to your accounts.

Store cancelled checks in a safe place.  Better yet, utilize our “Check Safekeeping” service and we’ll store the checks for you.

Review your credit card statements to make sure that there are no suspicious charges.  If there are, investigate them immediately.  Balance your bank statement monthly.  If you feel there is an error, contact the bank.

Guard your mail from theft.

Don’t place outgoing mail in your mailbox.  Instead, drop mail at the Post Office collection box.

Promptly remove incoming mail from your mailbox.  If you are expecting a check or regular bill that has not arrived in a timely manner, investigate to see why.

When ordering new checks, have them mailed to the bank instead of having them mailed to your home mailbox.

Check your credit report.

The Fair and Accurate Credit Transactions Act (FACT ACT) allows all individuals the right to check their credit report once every year.  You can obtain a free credit report once every 12 months from each of the credit reporting agencies: Experian, Equifax, and Trans Union.  To order your free annual report, visit www.annualcreditreport.com or call toll-free 877-322-8228.


Prevent “Phishing Attacks”.

The term “Phishing” – as in fishing for confidential information – refers to a scam that encompasses fraudulently obtaining and using an individual’s personal or financial information.  The consumer receives an e-mail which appears to originate from a well-known source like a financial institution or government agency.  The message state an urgent reason you must “verify” or “re-submit” personal or confidential information by clicking on a link embedded in the message.  The provided link in phishing scams actually belongs to the fraudster/scammer.

Here are tips to prevent a phishing scam:

Never provide personal financial information, including your Social Security number, account numbers, or password, over the phone or internet if you did not initiate the contact.

Be cautious about clicking on a link provided in an email you believe may be fraudulent.  It could contain a virus.  Many times these emails have obvious spelling errors.

Don’t be intimidated.  If you receive an e-mail that suggests something bad will happen if you don’t provide or verify financial information, i.e. “Immediate Attention Required, or Please Contact Us Immediately”.

If you question a contact is legitimate, go to a bookmark previously saved or type the address directly in the address line.  Security State Bank’s web page address is www.ssbwa.com.

What if you think you have fallen victim to an attack?  Call the bank right away at 360-736-0763 or call or visit any of our 11 branches.

If you think you have disclosed sensitive information in this manner (called a phishing attack), call one of the major credit reporting bureaus and discuss whether you should place a fraud alert on your file.

They are:

Equifax 800-525-6285

Experian 888-397-3742

TransUnion 800-680-7289


Helpful Links

Federal Deposit Insurance Corporation Consumer Protection

http://www.fdic.gov/consumers/theft/index.html

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

Federal Trade Commission Consumer Protection

http://www.consumer.ftc.gov/

Free Credit Report

http://annualcreditreport.com