Customer Awareness

State Bank & Trust takes the security of our customers seriously. We have taken substantial measures to protect your identity and your accounts. We want to provide you additional resources to help you protect yourself and know what to do if your identity is stolen.


The FDIC website offers information and tips on cybersecurity and consumer protection -

Identity Theft

Identity Theft is increasingly in the news. For information on protecting yourself from identity theft, visit the Identity theft section of the Federal Trade Commission's website -

To report a lost or stolen ATM/Debit card:

If you suspect you have a lost or stolen card, report it immediately. For Debit Cards – 800-236-2442. For Credit Cards – 800-556-5678. You may also call our customer service representatives during business hours at 877-455-1301.

Best Practices for Debit Card and ATM Security

While State Bank & Trust invests in continuous security updates to help prevent unauthorized transactions on your debit card, there are steps that you can take to better protect your assets from fraud while using it online or at the ATM. Just like passwords and account information, you should safeguard your debit card information. Memorize your personal identification number (PIN) in the same way you would for a password. Avoid writing it down. Never send it across unsecure email. Don't share your PIN with anyone else.

  • Shop only at verified and secure retail websites before trusting them with your card information. Know who you are doing business with before placing an order
  • Completely log off the site and close the browser window after completing a transaction online.
  • Keep track of your debit card. Regularly check that it is still in your possession.
  • Always monitor your account statement for any unknown or suspicious transaction and report it immediately.
  • Report any lost or stolen debit card to the Bank immediately.
  • Keep your computer up to date with virus protection and patches to provide you the best protection.
  • Download Rapport, our free security tool for your browser, to help prevent your internet banking details. Available at
  • Download SecurLOCK Equip, our free app to help you monitor and control your card activity. Available at
  • Pay attention to the ATM and the surroundings you decide to use.
  • Is it in a safe and well lit area? If not, find an alternate ATM.
  • Don't use the ATM if it appears to have been tampered with in any way.
  • Don't flash or count your money at the ATM.
  • Don't let anyone look over your shoulder to see you enter your PIN.

Fraud Alerts

As a reminder to our customers: never give personal information to anyone over the phone, the Internet, or through the mail that you are not familiar with or did not initiate. Do not click on attachments included in unsolicited e-mails, especially those that encourage you to act quickly or else suffer some scary fate. These are almost universally scams or attempts to plant malicious software on your computer.

Also, note that the IRS has stated emphatically that it does not communicate with citizens via email.

Text Message Scam

Text messaging is another way thieves are trying to access your personal information. Consumers have reported receiving a text message on their cell phone that their credit card/debit card/cell phone service has or will be deactivated and they need to text back (or call a number and verify) account and PIN information. Of course if they do, they soon find their account has been hit by criminals.

Please be assured that State Bank & Trust will never ask for personal information in a text message or an email. If you do receive this type of text message you should file a police report and contact your cell phone provider.

Credit Reports

One free option available to fight identity theft is monitoring and reviewing your credit report. You may request your free credit report online, by phone, or through the mail. You may order your free copy of your credit report once every 12 months. Order your free credit report once per year at or call 1-877-322-8228.

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law - Beware of other sites that look and sound similar. The Federal Trade Commission (FTC) advises consumers who order their free credit report online to be sure to correctly spell the web address or link to it from the FTC's website to avoid being misdirected to other sites that offer supposedly free reports, but only with the purchase of other products.

To report identity theft to the nationwide consumer reporting companies:

Equifax: 1-800-525-6285

Experian: 1-888-397-3742

TransUnion: 1-800-680-7289

Federal Trade Commission: 1-877-382-4357

Do Not Call Registry

The FTC has made the National Do Not Call Registry available to register your phone number and block telemarketing calls. You can register online or call toll-free, 1-888-382-1222 (TTY 1-866-290-4236) from the number you wish to register. Registration is free.