ATM/Debit Cards: If it's after hours and you've lost your atm/debit card, please call 866-546-8273.
From time to time, we are alerted to a more widespread fraud incident potentially compromising the personally identifiable information and financial data of many. When this occurs, we often place a restriction on transactions made with your card in other states or regions. To protect you, that restriction may remain in place for a number of days or months.
Please be sure to let us know if you are traveling outside your state of residence or an unusually far distance from your home. We can make adjustments that will allow card use in these areas for a limited period of time until you return.
The First US Bank website should never be accessed from a link provided by a third party. It should only be accessed by typing www.firstusbank.com or by using a "bookmark" that directs your web browser to www.firstusbank.com into your browser. First US Bank does not send e-mail messages requesting confidential information, such as account numbers, passwords, or PINS. First US Bank customers are reminded to report such requests to the institution. Our Fraud Watch Services include more information on the following issues:
The links listed below may be helpful regarding your banking security concerns.
To help us track cyber-criminals, please send a copy of the email you've received to email@example.com and include a response to the questions below:
If you have replied to a suspicious email and you are a customer of First US Bank, please call 334-636-5424 during banking hours.
Phishing emails are designed to trick you into revealing your private information. To make these emails seem more realistic, the senders often duplicate a financial institution's logo and familiar formats or redirect the individual to a fraudulent website. These emails are often masked under the name of a trusted source such as the FDIC, a trusted financial institution, an Internet Service Provider - or even First United Security Bank. Please understand that First US Bank does NOT request personal information (i.e. account numbers, PIN numbers, passwords, user ids, etc.) via electronic mail.
If you get an email warning you that your account will be shut down unless you reconfirm your billing or email information, or that the bank is "missing" information about your account, do not reply or click on the link in the e-mail. Report any suspicious activity to your bank and to the Federal Trade Commission, immediately.
Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.
The Federal Trade Commission estimates that as many as nine million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft. The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn't make - or until you're contacted by a debt collector. The Federal Trade Commission provides a free resource booklet to help consumers deter, detect, and defend identity theft. To access the booklet to review or print, click here: Take Charge: Fighting Back Against Identity Theft.
Identity theft is serious. While some identity theft victims can resolve their problems quickly, others spend hundreds of dollars and many days repairing damage to their good name and credit record. Some consumers victimized by identity theft may lose out on job opportunities, or be denied loans for education, housing or cars because of negative information on their credit reports. In rare cases, they may even be arrested for crimes they did not commit.
For steps to protect your identity, visit the Frequently Asked Question-"How do I protect my identity" below.
The internet has become a popular method for both conducting business and managing finances through online banking relationships. While most financial institutions and some individuals have taken steps to protect their computers, many firewall and anti-virus software packages do not protect their computers from one of the latest threats, "spyware" - a form of software that collects personal and confidential information about a person or organization without their proper knowledge or informed consent, and reports it to a third party.
Spyware Infection is usualy installed without a user's knowledge or permission. However, users may intentionally install spyware without understanding the full ramifications of their actions. A user may be required to accept an End User Licensing Agreement (EULA), which often does not clearly inform the user about the extent or manner in which information is collected. In such cases, the software is installed without the user's "informed consent."
Spyware can be installed through the following methods:
Spyware can be difficult to detect and remove because it:
The FDIC recommends the following steps customers can take to detect and prevent spyware from being downloaded on their computers:
State-of-the-art thieves are concentrating on plastic cards. In the past, this type of fraud was not very common. Today, it is a big business for criminals. Plastic cards bring new convenience to your shopping and banking, but they can turn into nightmares in the wrong hands. Here are some tips to avoid debit card fraud:
Is it too good to be true?
If it sounds too good to be true, it probably is. At First US Bank, we take the safeguarding of our customers' assets very seriously. We exercise the highest level of integrity and urgency in keeping abreast of fraudulent activity on customer accounts. We measure this activity in a number of different ways.
Nothing can replace your own watchful eye over your personal assets. Individuals receive suspicious phone calls, emails, text messages, internet pop-ups, and regular mail correspondence every day. The best rule of thumb is to follow your gut. If you feel that an opportunity sounds too good to be true, it probably is.
Keep in mind that what might seem legitimiate or official, may be posed as such to deceive the unsuspecting or innocent consumer. It is our responsibility to question any unusual activity brought to our attention. These are the kinds of questions we ask, and also share with you as an opportunity to benefit you and/or others: Click here
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law. "Take me to the authorized source."
Sign new cards immediately. Store them safely - They are money! Only carry the cards you will use. Don't write your PIN # on your card. Shred documents that show your account number before discarding. Don't give your card number over the phone, unless you initiated the call. Remember to get your card and receipt after a purchase, and double check they are yours. Notify the credit card company immediately if your bill is incorrect, or your card is lost or stolen. Check your bill carefully, and notify the credit card company if you don't receive it on time.
Don't write your credit card number or social security number on a postcard or the outside of an envelope. Collect your mail promptly. Have your mail held if you'll be out of town or on vacation. Use collection boxes or the post office for outgoing mail if your home mailbox is unattended. Opt-out of receiving pre-approved credit offers.
Never e-mail your credit card number or social security number. Check carefully that you are on the page you intend, and not an imposter's page. Use only secure web pages for online ordering. (You should see the padlock on the status bar of your web browser where a credit card number is requested.) Online credit applications which request a social security number should also be on secure web pages. (Look for the padlock.) Use anti-virus and personal firewall software, and keep it updated.
Phishing is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The e-mail directs the user to visit a website where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has. The website, however, is bogus and set up only to steal the user's information.
We are protected by a fraud prevention company that constantly monitors all transactions made by the cardholder, and alerts us and possibly you immediately of any potentially fraudulent activity.