Knowledge Is Key To Prevention
Central Valley Community Bank takes fraud prevention very seriously. Your personal information is the key to your financial identity and your online identity. We are dedicated to offering information and tips to help protect yourself. The first step in protecting yourself from fraud is to educate yourself and learn about the various schemes and methods that fraudsters use to obtain your personal information.
Always remember that:
- Central Valley Community Bank will never ask you to send your personal or financial information in response to or via a link in an email
- Our staff will never initiate a phone call asking for financial information such as your account numbers, social security number or account balances
- When you call Central Valley Community Bank, we may ask you for specific information in an attempt to verify your identity before disclosing financial information
Report Fraud
If you think one of your Central Valley Community Bank accounts or services has been compromised, contact us immediately using the following numbers.
Please have your account information and the details about the suspected fraud available when you call.
Fraudulent emails and websites:
Contact the Federal Trade Commission Complaint Assistant
Lost or stolen checks and debit/ATM cards:
Customer Service 1-800-554-8969
Lost or stolen credit cards:
Contact Visa® 1-800-423-7503
Suspicious online transactions:
Contact Customer Service at 1-800-298-1775 or 559-298-1775
Types of Financial Fraud
Identity Theft
Identity Theft occurs when someone uses your personal information, such as name, Social Security number, credit card number, without permission to commit fraud or other crimes. Below are some tips to help protect yourself from Identity Theft:
- Shred your personal documents
- Limit the amount of data you share about yourself
- Use strong passwords for all of your online accounts
- If you feel you must write down your password in order to remember it, make sure you don't label it as your password, and keep it in a safe place
- Install Antivirus and Antispyware on your computer
- Closely monitor your bank statements
For more information on Identity Theft, tips and resources, click here.
Phishing
Phishing is a high-tech scam that uses spam email or pop-up messages that appear to be from a legitimate source, and deceive you into disclosing your Social Security number, bank account information, credit card numbers, passwords, or other sensitive information. Phishing emails or pop-up messages are sent claiming to be from a business or organization that you associate with like your bank, Internet service provider, online payment service, or a government agency. Although they can be difficult to spot, the phishing emails usually ask you to click a link back to a fraudulent website to provide, update or confirm your personal information.
Central Valley Community Bank will never advise a customer via email. If you are uncertain of any email that you receive, which appears to be sent from, or on behalf of, Central Valley Community Bank, please contact our Customer Service Department at (800) 298-1775. You may provide a copy of the wording to Customer Service, but please delete any sensitive data.
Vishing
Vishing is also known as "voice phishing," vishing attacks attempt for you to provide personally identifiable information either over the phone or by using the phones Internet browser. Vishing schemes involving a phone call are often directed to an automated "bank" greeting that prompts the caller to provide credit card or bank numbers.
Central Valley Community Bank will never request your debit card number over the phone but will use methods to verify and substantiate your ownership. All of our calls to customers will be identified as Central Valley Community Bank. If you receive a call requesting your debit card number or any other personal banking information, please contact Customer Service at (800) 298-1775.
ATM Skimming
ATM Skimming is a method used by criminals where they install wireless devises, called card skimmers to capture data from the magnetic stripe on the back of an ATM card. Devises used are small and often fastened in close proximity to, or over the top of the ATM’s factory-installed card reader.
The best way to protect yourself against ATM Skimming is to make sure your credit or debit card stays in sight whenever possible. Limiting the amount of time your card is unattended in someone else’s possession (i.e. waiter, salesperson, etc.) will reduce the risk of ATM Skimming. Since this is not always possible, pay close attention to your card statements and make sure there are no unauthorized charges. If a card-reading machine looks tampered with or altered, use caution and alert the management of the establishment. If you find that you may have been a victim of ATM Skimming, please call our Customer Service Department as soon as possible at (800) 298-1775.
Spoofing/Pharming
Many forged emails will ask you to supply, confirm or update personal information by clicking a link in the email. The link will connect you to a web page or login that appears to belong to the company mentioned, but it is merely a “spoofed” site that is illegitimate. The spoof may be a pop-up window or an embedded image over the actual site. The goal of the criminals is to get you to enter your personal data so they can steal your information.
Central Valley Community Bank will never ask you for personal or sensitive information via email. We advise our customers to never reply to or open any attachments from unsolicited emails. We also advise to never respond to emails requesting your password, login or any financial information. If you have provided sensitive information online or feel that you have been a victim of spoofing/pharming, please contact our Customer Service Department at (800) 298-1775.
Card Cracking
Card cracking is a form of fraud where consumers respond to an online solicitation for "easy money" and provide a debit card for withdrawal of fake check deposits.
The best way to protect yourself from Card Cracking is to never respond to online solicitations that request your card number, PIN number or any of your account information. If you see any suspicious solicitations online, report them immediately to the website administrator and contact our Customer Service Department at (800) 298-1775.
