Federal financial regulators are reporting that Internet threats have changed significantly over the past several years. Sophisticated hacking techniques and growing organized cyber-criminal groups are increasingly targeting financial institutions, compromising security controls, and engaging in online account takeovers and fraudulent electronic funds transfers.
As a rule Pavillion Bank will not email, call, or otherwise ask you for your user name, password or other electronic banking credentials! Never hesitate to call the Bank to confirm correspondence you receive is in fact coming from the Bank.
Take measures to protect yourself from Internet Crime by following these safety tips:
In addition, owners of commercial accounts should perform their own risk assessments and controls evaluations. Make a list of the risks related to online transactions that your business faces including:
An evaluation of controls your business uses may include:
Federal regulations provide consumers with some protections for electronic fund transfers. These regulations generally apply to accounts with Internet access. For example, these federal laws establish limits on the account holder’s liability for unauthorized electronic fund transfers. They also provide specific steps you need to take to help resolve an error with your account. Note, however, that in order to take advantage of these protections, you must act in a timely manner.
Make sure you notify us immediately if you believe your access information has been stolen or compromised. Also, review your account activity and periodic statement and promptly report any errors or unauthorized transactions. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on these types of protections.
If you become aware of suspicious account activity, you should immediately contact the authorities and contact us at the number listed below.
You can obtain a free copy of your credit report once a year by calling 877-322-8228.
|Place a fraud alert:||1-888-766-0008||1-888-397-3742||1-800-680-7289|
|Order a credit report:||1-800-685-1111||1-888-397-3742||1-800-888-4213|