At Banterra, we understand and appreciate convenience, which is why we offer valued services.
Security & Fraud Protection
As your financial partner, we take every measure possible to protect you from fraud. In the broadest sense, fraud is a deception made for personal gain or to damage another individual. Fraud is a crime and is also a civil law violation. Defrauding people of money is presumably the most common type of fraud. Social engineering is a technique used to manipulate people into performing actions or divulging confidential information. It typically applies to trickery for information gathering or computer system access and in most cases the attacker never comes face-to-face with the victim.
As your financial partner, we promise to vigilantly safeguard your financial information and to protect the security and privacy of your accounts and personal information, both online and offline-while delivering a convenient, efficient and fully secure banking experience.
In the broadest sense, fraud is a deception made for personal gain or to damage another individual. Fraud is a crime and is also a civil law violation. Defrauding people of money is presumably the most common type of fraud. Social engineering is a technique used to manipulate people into performing actions or divulging confidential information. It typically applies to trickery for information gathering or computer system access and in most cases the attacker never comes face-to-face with the victim.
Skimming is a means of stealing credit and debit card information by installing hidden electronics to harvest personal information and data from your card.
This can occur at an ATM and customers should be aware of clues to look for as well as ongoing ways to prevent or identify if this happens to you.
- This activity tends to occur on weekends more than during the week, when banks are closed, so be particularly aware when using an ATM during this time.
- Look around the ATM vestibule for places where a scammer could hide a tiny camera.
- Take a close look at the keypad, such as maybe it appears thicker than usual, to see if there is a fake overlay on top of it.
- Look over the ATM for parts that don't match in styling, color or material. Scammers sometimes place a fascia (a large form-fitting mold) over the business area of the original ATM. The fascia will contain the skimmer and camera.
- Try to jiggle the card reader. If it moves, so should you — to another ATM.
- Cover your hands when you enter your PIN so an ATM scammer cannot determine your PIN from a hidden camera.
Take Important Steps
One of the best ways to catch when skimming or other fraud has occurred is:
Utilize Banterra’s free mobile app.
- Check account balances daily.
- Review account balance after utilizing an ATM or other transactions.
- Turn your debit card(s) on or off in case lost, stolen or signs of fraud.
Sign up for Custom Email Alerts from Banterra that can notify you of when :
- Your debit card transaction was approved or denied (in essence, you can be notified for every transaction that is made with your card).
- Your balance gets low
- Your checks have cleared
- A bill payment is sent
Utilize Banterra’s SmartChoice Checking
- This product offers IDProtect, identity theft protection to help safeguard you and your family against identity fraud. To learn more about IDProtect, click here
Fake Emails & Websites
Online fraud can occur when a criminal poses as a legitimate company or business in order to obtain sensitive personal data and then illegally conducts transactions on your existing accounts. These scams are often called “phishing” or “spoofing.”
Fake emails (phishing) will often…
- Ask for personal information. They may claim that your information has been compromised, that your account has been frozen or ask you to confirm the authenticity of your transactions.
- Appear to be from a legitimate source. While some emails are easy to identity as fraudulent, others may appear to be from a legitimate address and trusted source. You should not rely on the name or address in the “From” field, as this is easily altered.
- Contain fraudulent job offers. These are often work-at-home accounting positions.
- Contain prizes or gift certificate offers. In exchange for completing a survey or answering questions, some fake emails promise a prize or gift certificate. They require you to give personal information in order to obtain the prize.
- Link to counterfeit websites. Fake emails may direct you to counterfeit websites that closely resemble a legitimate site while they collect personal information for illegal use.
- Link to real websites. Some fake emails link to legitimate websites. This is done in an attempt to make a fake email appear real.
- Contain fraudulent phone numbers. Never call a number featured on an email you suspect is fraudulent; it can be tied to the fraudsters.
- Contain real phone numbers. Similar to linking to real websites, real phone numbers may be featured in a fake email in an effort to make the email appear legitimate.
Below are three simple rules, recommended by the Department of Justice, to follow when you see emails or websites that may be a part of a phishing scheme:
Phishers typically include exciting or frightening (but false) statements in emails with one purpose in mind: they want you to react immediately and impulsively. Resist! No matter how exciting, attractive or worrisome the statements or claims in the email seem, take time to check out the information closely before acting.
Always look closely at any claims made in an email. Think about whether the claims make sense and be highly suspicious if asked to share personal information such as account numbers, usernames or passwords.
If you receive any email claiming you’ve won a prize or are entitled to receive some special “deal,” there is reason to be highly suspicious, especially if you’re asked to share confidential personal information. You’re much better off erring on the side of caution, which leads to the following point.
When you receive a suspicious email that claims to have originated from a legitimate company or financial institution, call or email that company or institution – using a phone number or email address you know to be valid (not a phone number in the email!) -- and investigate. Credit card account holders can call the toll-free customer assistance number on the back of their card and bank customers should use a phone number listed on one of their bank statements.
Web-site spoofing is a method of creating fraudulent websites that look similar, if not identical, to an actual site, such as that of a bank. Online thieves often direct you to fraudulent websites via email and pop-up windows fooling you into entering information such as an Internet banking username and password, card information or other information that a criminal can use to fraudulently use your account or steal your identity.
Follow these tips to protect yourself against spoofing.
- Use caution when you receive any e-mail requesting personal and/or card account information.
- Avoid clicking on links in e-mail messages. Go directly to the company's website by typing the address into your browser address bar and submit the information there.
- Ensure that web sites are secure by checking to see whether there is an "s" after the http in the address and a lock icon at the bottom of the screen. Both are indicators that the site is secure.
Identity Theft is the fastest growing crime in America …and growing around the world too.
Criminals are continually discovering and creating new ways to steal people’s identities. Every day, thousands of people become victims of identity theft by having their credit card stolen, by using the internet, by throwing away receipts into their trash cans, or just by sharing their information with the wrong person. There are many ways that one’s identity can be stolen, and if precautions are not taken on a regular basis, then the risk of becoming an identity theft victim greatly increases.
How to protect yourself:
- Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the Internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.
- If you believe the contact may be legitimate, contact the financial institution yourself. You can find phone numbers and website addresses on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the Internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself. Remember ID cards, letterheads and business cards can easily be falsely created.
- Never provide your password over the phone or in response to an unsolicited Internet request. A financial institution would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your account.
- Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving, call your financial institution to find out why.
- Do not carry your extra credit cards or other important identity documents in your purse or wallet except when necessary. It is important to keep a copy of the front and back of all the cards that are kept in your wallet in a safe and secure place. This makes it easier to contact the appropriate numbers in the instance that your purse or wallet is lost or stolen. If your Banterra debit card has been lost or stolen, contact us during business hours at 877-541-2265 or after hours at 800-264-4274.
- Minimize the number of credit cards that you own. Cancel cards that are unused. Be sure to cut up and dispose of all inactive or old debit or credit cards. Even cards that are expired can be of benefit to a thief.
- Never leave your purse or wallet unattended.
- Safeguard your personal information. Do not throw out card transaction receipts at the point of sale or in public. Destroy them at home. Bank and credit card statements and all utility bills should be destroyed as well when they are no longer needed. Be sure to destroy any pre-approved credit card offers, as these can provide an abundance of critical information to a thief.
- If you do not receive a bank statement, notify the bank IMMEDIATELY!
- Direct all mail to a post office box or secured box. This is especially relevant for bank statements, credit card statements and utility bills. Do not leave new check orders in your mailbox for extended periods of time and verify new deliveries are complete (ensure that none have been stolen).
- Protect your Social Security Number (SSN). DO NOT print your SSN on your checks. This is not a number that just anyone can have if they ask. Always ask why companies or people might want your SSN.
If someone asks for your SSN, ask the following questions:
- Why do you need my SSN?
- How will my SSN be used?
- How will you protect my SSN from being stolen?
- What will happen if I do not give you my SSN?
Sometimes a business may not provide you with the service or benefit you are seeking if you do not provide your SSN. Getting answers to the above questions will help you decide whether you want to share your SSN with the business. Remember, the decision is yours.
- Protect your PIN. Never write down your PIN’s – memorize them – if you need to write them down do not keep them in the same place as the card and do not label what they correspond to. Be aware of shoulder surfers when you are using your PIN. Always ensure that your PIN is safely hidden from others.
- Protect your card during physical transactions. Never let your card out of your sight. This is especially true for restaurants. It is best to hold on to your card and enter it into the machine yourself – never let a waiter disappear with your card, even if he is processing your transaction – skimming is very popular in restaurants and allows the thief to capture your card information quickly.
- When making Internet transactions, ensure you are using a secure server and you completely trust the company that you are dealing with. Some websites may require you to register your card with Verified by Visa® before completing your transaction. You can register your card with Verified by Visa® online through Banterra’s homepage under “Valued Services.”
- Never leave your personal information around home, work or in the car. Even a friend or neighbor could succumb to the temptation of stealing your personal information if they see it lying around.
- Be aware who is listening. In telephone conversations, be aware who can hear, even at home if your doors or windows are open. Who is listening at work when you call your utility company and they need to verify your identity?
- Monitor your credit reports. You are entitled to one copy of your credit report annually from each of the three credit reporting bureaus. You may obtain your free credit reports by either visiting www.annualcreditreport.com or calling 877-322-8228. You may obtain additional credit reports at anytime for a small fee by contacting any of the three credit reporting bureaus.
- Shred all paperwork that has an account number (bank statements, credit card statements and receipts, utility bills), a signature, your Social Security Number or medical or legal information, as well as any pre-approved credit offers.
Signs that you might be a victim of Identity Theft
- You are not receiving your bills and other mail. A missing bill could mean an identity thief has taken over your account and changed your billing address to cover his tracks. Follow up with creditors if your bills do not arrive on time and be sure that your address is up-to-date in their database.
- You are receiving credit cards that you did not apply for.
- Being denied credit or being offered less favorable credit terms like a high interest rate, for no apparent reason
- Getting calls or letters from debt collectors or businesses about merchandise or services you didn't purchase.
What to do if you fall victim
- Contact your financial institution immediately and alert it to the situation.
Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft or by calling 1-877-IDTHEFT or by mail:
Identity Theft Clearinghouse
Federal Trade Commission
600 Pennsylvania Ave, NW
Washington, DC 20580
Contact one of the three major credit bureaus and discuss with them whether you need to place a fraud alert on your file. This will help prevent thieves from opening a new account in your name.
PO Box 105069
Atlanta, GA 30348-5069
PO Box 1017
Allen, TX 75013
PO Box 6790
Fullerton, CA 92634
If you believe you are a victim of Identity Theft, contact Banterra's Fraud Department, toll free at 877-541-2265, option 3, Monday through Friday, 8 a.m. - 5 p.m., excluding bank holidays, or visit your local Banterra banking location.
You may also contact us regarding suspicious emails or report fraudulent transactions posting to your account at Contact Us. If you need to discuss or provide confidential information, please call Banterra's Fraud Department using the number and information above.
If you believe your Visa® Debit Card has been lost or stolen, notify us immediately. To keep possible losses down, telephone us as soon as possible. You may contact us toll-free at the following:
- 1-866-BANTERRA (226-8377) during business hours
Notify us by mail at: Banterra Bank
Attn: Electronic Banking Department
P.O. Box 291
Eldorado, IL 62930
Initiate fund transfers in a quick and secure manner. When you need to transfer funds fast, wire transfers offer the speed of same day settlement for domestic funds transfers and the security of direct, paperless transactions.
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