Security Center 

The COVID-19 Pandemic has led consumers to increasingly turn to digital payments. Now more than ever, it's important to protect yourself before you become a victim.

• Report any suspected fraud to your bank immediately. FNCB Bank can be reached by calling 1-877-879-3622.
• Use online banking to protect yourself. Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or e-mail alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500.
• Beware of phishing scams. Never give out personal financial information in an e-mail or over the phone unless you have initiated the contact.
• Don't share your secrets. Don't provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone.
• Shred sensitive papers. Shred receipts, banks statements and unused credit card offers before throwing them away.
• Keep an eye out for missing mail. Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen.
• Monitor your credit report. Order a free copy of your credit report every four months from one of the three credit reporting agencies at www.annualcreditreport.com
• Protect your computer. Make sure the virus protection software on your computer is active and up-to-date. When conducting business online, make sure your browser's padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure.
• Protect your mobile device. Use the passcode lock on your smartphone and other devices. Before you donate, sell or trade your mobile device, be sure to wipe it clean using specialized software or using the manufacturer's recommended technique.
• Beware of Spoofing. Spoofing is when a caller deliberately falsifies the information transmitted to your caller ID display to disguise their identity.
• FNCB will NEVER call you to request information you received via text. Also, we will never pressure you reset your online banking login password.
• Never give an unsolicited caller remote access to your computer.

If you believe you are a victim, please consider the following actions:

• Call your bank and credit card issuers immediately so they can close your accounts.
• Contact the fraud unit of the three credit reporting agencies. Place a fraud alert on your credit report and consider placing a credit freeze so the criminal can't open new accounts. The fraud unit numbers are:
  Equifax: 1-800-525-6285
  Experian: 1-888-397-3742
  TransUnion: 1-800-680-7289
• Report the fraud to the Federal Trade Commission at consumer.gov/idtheft or call 1-877-438-4338.
• File a police report.
• Make sure to maintain a log of all the contacts you make with authorities regarding the matter. Write down names, titles and phone numbers in case you need to re-contact them or refer to them in future correspondence.