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.


FDIC

The FDIC website offers information and tips on cybersecurity and consumer protection - https://www.fdic.gov/consumers/assistance/protection/index.html.


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 - https://www.consumer.ftc.gov/features/feature-0014-identity-theft.


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.


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 https://www.annualcreditreport.com 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 - annualcreditreport.com. 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.