Lost or stolen access device
Report a lost or stolen First Community Bank of Mercersburg Debit or ATM card - call 1-800-472-3272
Report a lost or stolen First Community Bank of Mercersburg Elan Visa credit card- call 1-866-234-4691
Cyber Security Awareness
October is National Cyber Security Awareness Month. This link will take you to the Federal Trade Commission website where you can view videos to help keep you safe while browsing the web.
Threats In the News
Ransomware - The FBI has released an article addressing ransomware campaigns that use intimidating messages claiming to be from the FBI or other government agencies. Scam operators use ransomware – a type of malicious software – to infect a computer and restrict access to it until a ransom is paid to unlock it. Users are encouraged to review the FBI article "Ransomware on the Rise" for details.
Corporate Account Takeover (CATO) - A type of business identity theft where cyber thieves gain control of a business’ computer system and access to their bank account information. Businesses of all sizes are vulnerable and potential victims unless sufficient security controls are in place. More information regarding CATO and recommended security practices can be found in information provided by the National Automated Clearing House Association (NACHA) at NACH.org or by joint agencies of the U.S. Secret Service, FBI, IC3, and FS-ISAC provided at ic3.gov.
Business E-Mail Compromise (BEC) which targets businesses and E-Mail Account Compromise (EAC) which targets individuals, unlike account takeover are schemes that involve impersonating victims to submit seemingly legitimate transactions for a financial institution to execute. Tips to protect yourself include not opening e-mail messages from unknown parties, be cautious of clicking on links within e-mails, implement dual step processes, and monitor accounts for unusual activity.
Tax Identity Theft Awareness — Are You Ready?
Ready for tax season? If you haven’t heard about tax identity theft, you may not be.
Tax identity theft happens when someone files a phony tax return using your personal information — like your Social Security number — to get a tax refund from the IRS. It also can happen when someone uses your Social Security number to get a job or claims your child as a dependent on a tax return. Tax identity theft has been the most common form of identity theft reported to the Federal Trade Commission (FTC) for the past five years.
Tax identity thieves get your personal information in a number of ways. For example:
· someone goes through your trash or steals mail from your home or car
· imposters send phony emails that look like they’re from the IRS and ask for personal information
· employees at hospitals, nursing homes, banks, and other businesses steal your information
· phony or dishonest tax preparers misuse their clients’ information or pass it along to identity thieves
So what can you do about it? To lessen the chance you’ll be a victim:
· file your tax return early in the tax season, if you can, before identity thieves do
· use a secure internet connection if you file electronically. Don’t use unsecure, publicly available Wi-Fi hotspots at places like coffee shops or a hotel lobby
· mail your tax return directly from the post office
· shred copies of your tax return, drafts, or calculation sheets you no longer need
· respond to all mail from the IRS as soon as possible
· know the IRS won’t contact you by email, text, or social media. If the IRS needs information, it will first contact you by mail.
· don’t give out your Social Security number (SSN) or Medicare number unless necessary. Ask why it’s needed, how it’s going to be used, and how it will be stored.
· get recommendations and research a tax preparer thoroughly before you hand over personal information
· if your SSN has been compromised, contact the IRS ID Theft Protection Specialized Unit at 800-908-4490
· check your credit report at least once a year for free at annualcreditreport.com to make sure no other accounts have been opened in your name
What if you are a victim? Tax identity theft victims typically find out about the crime when they get a letter from the IRS saying that more than one tax return was filed in their name, or IRS records show they received wages from an employer they don’t know. If you get a letter like this, don’t panic. Contact the IRS Identity Protection Specialized Unit at 800-908-4490. Visit IdentityTheft.gov, the federal government’s one-stop resource to help you report and recover from identity theft. You can report identity theft, get step-by-step advice, sample letters, and your FTC Identity Theft Affidavit. These resources will help you fix problems caused by the theft.
What To Do If Your Identity Has Been Stolen:
Contact a nationwide credit reporting company and request a fraud alert to be placed on your credit report.
Order your credit report and review for signs of fraud.
File a complaint with the FTC at ftc.gov/complaint or call 1-877-438-4338 and contact your local police department.
If you have any security questions or concerns, please contact us at 717-328-3121 or 877-328-3121.