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Fairport Savings Bank is committed to keeping your information secure whether you’re banking in person, over the phone, via debit card or using online or mobile banking. We provide multi-level authentication to ensure we safeguard your information and honor the trust you have placed in our institution.
Debit Card Security
Credit and debit card fraud are escalating at a concerning rate, with the majority of fraud occurring in foreign countries. Fairport Savings Bank is committed to protecting our customers from such fraud. In order to do so, ATM and debit card transactions are restricted in all countries except the United States and Canada.
To use your debit card in a country other than the United States or Canada, or for purchases originating in a foreign country (via internet, telephone, etc.), simply contact any branch for assistance.
As an added measure of security, Fairport Savings Bank monitors your card activity in order to detect any out-of-the-ordinary or high-risk transactions. We want to ensure your account is safe, no matter where life takes you.
Fairport Savings Bank provides many technological enhancements to protect our customers’ debit card use.
In order to make your online banking experience as secure as possible, Fairport Savings Bank uses a high-level security service. This security service will check for any unusual or uncharacteristic behavior involving your account. If unusual activity is detected, further authentication will be requested.
How it works:
With this security feature, your online and mobile banking experience is safer than ever.
FFIEC Consumer Guidance Pamphlet
The world is changing, and it can be challenging to keep up. Fairport Savings Bank wants to ensure our customers are educated, aware and safe against the threats facing us. To that end, we provide information on scamming, phishing and identity theft.
Criminals use clever schemes to defraud millions of people every year. They often combine sophisticated technology with age-old tricks to get people to send money or give out personal information. Stay a step ahead with the latest information and practical tips from the nation's consumer protection agency.
Click here to read the details.
Identity theft occurs when someone uses your personal information such as your name, social security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
Identity thieves may use a variety of low- and high-tech methods to gain access to your personal information. For example:
Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals. Other indications of identity theft include:
Although any of these indications could be a result of a simple error, you should not assume there’s been a mistake and do nothing. Always follow up with the business or institution to find out.
As with any crime, you can't guarantee you will never be a victim, but you can minimize your risk. By managing your personal information widely, cautiously and with an awareness of the issue, you can help guard against identity theft.
An amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, from www.annualcreditreport.com. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights and how to order a free annual credit report.
TIP: Do not request your free credit report from each of the three bureaus all at once. Spread them out throughout the year to get three different “snapshots” of your credit report. Visit the Federal Trade Commission website.
Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, social security number, passwords, or other sensitive information.
According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a familiar business or organization. The message usually says that you need to “update” or “validate” your account information and may give consequences for not responding. The message directs you to a website that looks just like a legitimate organization’s site, but it isn’t. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity.
Please be assured that Fairport Savings Bank will NEVER solicit confidential or sensitive customer information via e-mail. If you do receive a request for this type of information, which appears to be from FSB, do not respond but immediately let us know.
If you believe you have been a victim of "phishing", change your passwords and login information immediately andcontact us. We will notify the appropriate law enforcement agency, provide you with further guidance and help monitor your accounts, if necessary.
The FTC suggests these tips to help you avoid getting hooked by a phishing scam:
Vishing, voice phishing, happens when you receive a fraudulent phone call from a reputable company; such as a bank, prompting you to provide personal information, such as debit card or bank account numbers. Fairport Savings Bank will never call a customer and request confidential information from them. If you receive a call purportedly from us and doubt the legitimacy, please hang up and call one of our branch numbers listed on the website or the number on your bank statement.
If you get spam that is phishing for information, forward it to firstname.lastname@example.org. If you believe you’ve been scammed, file your complaint at www.ftc.gov, and then visit the FTC’s Identity Theft Web site atwww.consumer.gov/idtheft to learn how to minimize your risk of damage from ID theft.
For free information on consumer issues, visit the FTC’s website or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261.
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