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Imposter Scam Close To Home!

Scammers are impersonating bank fraud departments and F&C Bank is not immune.

Scammers are impersonating bank fraud departments to trick victims into thinking that their actual bank is calling them. Then, the scammers ask for personal data and use it to access victims’ online banking accounts.

What to Know

  • Scammers claiming to be from F&C Bank may call and say there is a fraud alert regarding suspicious account activity that they need to confirm with you.
  • Oftentimes, there may be a manufactured fraudulent “pending charge” to make it seem legitimate. They may claim that unauthorized access to your online banking has occurred, and they need to secure it.
  • During the call, the scammer will ask you to provide your online banking user ID, password, answers to your online banking security questions, or email account used for your banking statements. They may even ask you if they can sign into your online banking account to confirm a recent charge or credit/refund. Do not ever give personal information over the phone.
  • F&C Bank does make outbound service calls to our customers, when we call, we will NOT ask you to provide or verify your:
    • Full Social Security number
    • Online banking user ID
    • Online banking password
    • Online banking security question answers

Scammers use this information to reset credentials and take over online banking accounts. F&C Bank sends emails regarding account level changes to your account, such as security questions, email address, and password changes. If you receive an email from F&C Bank regarding these types of changes that you did not initiate, please call us immediately.

What to Do

  • If you receive a call requesting any of the information above, immediately hang up and call us at (816) 850-5516.  DO NOT use the number on the caller ID screen and hit Redial.
  • If you receive a suspicious call like this, begin to review your banking accounts daily. Account Alerts can be setup in online and mobile banking to monitor your account balance and any credits to your account.
  • If you discover a fraudulent transaction on your F&C Bank account, immediately contact us at (816) 850-5516.

At F&C Bank, we work to keep your accounts safe and secure, whether you’re accessing them online, through an ATM, mobile device or in one of our branches. For more information on the latest cybersecurity issues you may encounter, visit our consumer alerts page.

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Ransomware

Ransomware is an ever-evolving form of malware designed to encrypt files on a device, rendering any files and the systems that rely on them unusable. Malicious actors then demand ransom in exchange for decryption.

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TAXES. SECURITY. TOGETHER

The IRS releases security awareness for taxpayers with some important information on how to protect yourself and your computer. Cybercriminals are constantly evolving and you must to.

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TLS Security Requirements Update

This update will affect customers who are still using browsers that do not support the Transport Layer Security (TLS) 1.2 protocol. The TLS 1.2 protocol is needed to maintain data security. Customers who continue to use non-supporting browsers will lose access to your bank’s website following the update.

Non-supporting browsers are listed below along with instructions for testing the support of your own browser.

 

How do I know if I am affected?

 

Most browsers have supported TLS for at least the last few years. A comprehensive list of supported browsers is available here: https://www.ssllabs.com/ssltest/clients.html.

 

Which browsers are unsupported?

The following browsers (or older) DO NOT support TLS 1.2 and will no longer work after the update.

  • Google Chrome 29
  • Firefox 26
  • Internet Explorer 10
  • Safari 8
  • iOS 4
  • Android 42

If you have any questions after reviewing this information, please contact Customer Service at 816-850-5516.

FDIC Consumer News

FDIC Consumer News is the FDIC’s monthly newsletter to consumers, providing practical guidance on how to become a smarter, safer user of financial services, including helpful hints, quick tips, and common-sense strategies to protect and stretch your hard-earned dollars.

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The truth about “FREE” trial offers. They usually end up costing you a lot of money and headache. The majority of what we see in debit card disputes comes from these types of offers. You may have just ordered the latest and greatest diet aid, skin care cream or miracle acne fix for free, that is until you see they have charged you additional fees, shipment costs or even started you on their program automatically. This usually results in us having to close the debit card and issue a new one, then attempt to get back the money that you didn’t know you agreed to. Also, if you used your account number instead- This results in having to close your account and open a new one, move all of your deposits and so on. Please be aware and be careful of any “too good to be true” offers.

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If you have a smart phone or other mobile device, you probably use apps – to play games, get turn-by-turn directions, access news, books, weather, and more. Easy to download and often free, mobile apps can be so much fun and so convenient that you might download them without thinking about some key considerations: how they’re paid for, what information they may gather from your device, or who gets that information.

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FBI Warns Banks Of Latest Scam ‘Coaching’ Victims For Money

Thieves instruct victims on how to lie when banks question wire transfer

The Kansas City Division of the Federal Bureau of Investigation notified MBA (Missouri Bankers Association) about the rise of fraud scams nationwide, including the latest trend of criminals ” coaching” victims.

Recently, an elderly victim in Missouri was contacted by an individual claiming to be a federal agent and demanding the individual pay back taxes owed to the IRS. The caller instructed the victim on how to wire money to a specific account and how to circumvent inquiries and lie to bank employees when questioned about the wire transfer. “Coaching victims” is another way for thieves to manipulate and extort an individual while evolving and adjusting to counter any safeguards in place.

A Text Message Mess

Let me set the scene: your friend John is rushing to get his daughter from school and his son to the soccer field, and he still needs to stop at the grocery store because there’s nothing in the fridge. In the midst of this everyday madness, he gets a text message from Google with a verification code. He thinks, “That’s weird. Maybe I should log in to my email and see what’s going on.”

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Five Key Tips from the FDIC for National Consumer Protection Week

To read more about the tips from the FDIC visit the FDIC Consumer News.

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Do you love to shop? If so, you may be tempted by unsolicited emails or newspaper ads that claim you can earn a living as a secret or mystery shopper by dining at elegant restaurants, shopping at pricey stores, or checking into luxurious hotels. But, according to the Federal Trade Commission (FTC), the nation’s consumer protection agency, marketers who promise lucrative jobs as mystery shoppers often do not deliver bona fide opportunities.

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Protection for your Debit Card

To protect your account from the increasing amount of debit card fraud we have BLOCKED the use of debit cards in some states & foreign countries. If you are planning to travel out of state or the United States, prior to your trip please call F&C Bank at (816) 850-5516 to authenticate your card for use while you are traveling.

Avoid Online Scams!

It is important to keep your hard-earned money and your identity safe. Please visit the FBI website to find tips to protect yourself and your family from various forms of Internet fraud.

Click here to learn more!