At First State Bank we want our customers
to be aware of the scams, spoofs and frauds associated with banking.
To this point, we have provided the following articles in an
effort to help inform you.
In the fight to protect your identity and your
money, educating yourself is the first step.
Consumers and Check 21
By Oct. 28, 2004, every bank will
be required to accept substitute checks, just as they currently
accept paper checks. A substitute check is the legal equivalent
of the original check and will include all the information contained
on the original.
Recent enhancements have put ATM
and debit cards in nearly everyone's wallet. Today, most debit
cards have the VISA or MasterCard logo and can be used at millions
of locations with a signature or personal identification number
(PIN). A purchase at many stores can be like a trip to the bank
or ATM, with PIN pads allowing consumers to receive cash back
from their purchases. In short, the ease of debit cards makes
them extremely popular.
Con artists now use email to try
to hijack your personal financial information. In a scam known
as "phishing", swindlers claim to be from a reputable company
and send out thousands of fake email in hopes that consumers
will respond with bank account information, credit card numbers,
passwords, or other sensitive information.
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