Published Summer 2016
Attn: Debit Card Users
New Fraud Prevention Service
In our continuing efforts to keep your accounts secure, we've improved our alert system for potential fraud.
Here's how it works:
1. When potential fraud is detected, you will receive an automatic email notification from Home State Bank with the option to reply with "fraud" or "no fraud."
2. One minute after the email, you will receive a text alert from 32874 between 7am and 9pm, which also has the "fraud" or "no fraud" option.
3. If there is no response received from you, five minutes after the text alert, you will receive automatic phone calls to confirm or deny fraud. *
Remember - our messages will never ask for your PIN or account number.
*The phone number for our Fraud Center has changed to 1-800-417-4592. If you add this number to your phone contacts and label it "Fraud Center," it will display whenever you get a call from this number.
IMPORTANT NOTICE: We’d like to assure our customers that your personal Home State Bank records remain SAFE and SECURE. Due to merchant breaches and subsequent fraudulent activity, there has been an increase in declined debit card purchases. We encourage you to use the PIN (Personal Identification Number) option whenever possible to complete purchase transactions. To report fraud on your debit card, please contact 815-459-2000 or 866-546-8273 during non-business hours. Thank you.
Home State Bank would like to remind you to be aware of debit card telephone scams. The automated message may ask you for your debit card number & PIN claiming your debit card has been deactivated. Under no circumstances should you give out any personal information over the phone. Home State Bank will not ask for your card & PIN number. Home State Bank has an 800 phone number to use to validate and review your purchases. This number is: 800-411-8498. If you are out of the country, use 1-206-352-3516. If there is suspicion of fraud on your debit card, you may get a legitimate call to approve some recent activity. In this situation, you will receive an incident # and a call back phone number 800-411-8498. The only information that you will need to provide is your last name, phone number and affirmation of your purchases. Please be careful with your confidential information. (June 2015)
New Debit Card Enhancement:
Effective immediately in our Netteller on-line banking service, every account that has debit card access will have the ability for the user to flag their card as "Lost / Stolen." This will be a nice new feature that will give our customers total control to designate their card as lost or stolen and have 24/7 computer access. Once a card is designated as "Lost / Stolen" and submitted, a client cannot undo the process for security purposes and will need to get a new instantly issued debit card at one of our convenient McHenry County locations. (March 2015)
Safeguarding Your Personal Information
- Never reply to emails, phone calls, or text messages that request your personal information .
Home State Bank will never contact you by phone or email to ask for your account numbers, PIN numbers, or any other confidential information. LINK TO LATEST FRAUD SCHEMES: https://www.ftc.gov/
- Make a list of the contents of your wallet.
Make a list of every ATM or debit card, credit card, driver’s license number and other forms of ID you carry in your wallet or purse. Keep the list in a safe place at home and update it regularly. You will need this list if your wallet or purse is ever lost or stolen. Never carry your Social Security Number in your wallet or purse. Also, never carry in your wallet any paper onto which you’ve jotted down PINs, passwords, or login information.
- Sign up for Online Security Alerts
Account Alerts inform you about transfers, payments and other transactions. They can tell you when a payment is due or an account balance reaches a certain level. Transactions, such as wire transmissions, ACH Transactions, and ACH batch initiations or transfers can be watched. Alert notifications can be setup as Login alerts, Emails, or Text message options to your cell phone.
- What should I do if I lose my card or it is stolen?
Call us immediately during regular banking hours at (815) 459-2000 and ask for Banking Operations. After hours, call (866) 546-8273 . By reporting a lost or stolen card to us immediately, you will limit your liability due to unauthorized use of your card. Refer to the Endorsed Agreement for complete details.
Users may report their ATM/Debit card as lost or stolen through their Online Banking under "Settings". * Important : Once completed, this change cannot be reversed and you will need to request a new Debit/ATM card.
Learn more about security breaches by clicking here.
Identity Theft Hotline (866) 999-5630 or click here for more information.
- Monitor your statements, bills, and online accounts
Check the transactions listed on your bank statements, credit card bills, utility bills, and online accounts regularly for unauthorized transactions. If you spot something suspicious, report it immediately.
- Only do business with companies you know and trust
When making online transactions, be sure the website is secure.
- Protect your PC with up-to-date anti-virus software
- Be cautious when sharing a computer
If you use a shared computer – such as a library or lab computer – or share a computer with roommates, log out and clear cookies after every computer session.
- Password protect your electronics
Enable the password feature on your cellphone, laptop, Kindle, iPad, or any other electronic devices that contain personal information about you – including, phone numbers, banking information – anything you don’t want in the hands of strangers. If your password-protected device is lost or stolen, your personal information is not immediately accessible to others.
Additionally, most devices have “remote wipe” capability that allows you to erase addresses, phone numbers, emails, photos and other sensitive content on a lost or stolen phone. Wiping a lost or stolen phone restores the device it to its factory settings. Refer to the manufacturer’s website to learn specifics for your device.
- Watch your U.S. Postal mail
Missing bills or statements may indicate someone is tampering with your mail or your identity.
We recommend you consider going paperless (E-Statements) for your banking needs. If you will be away from home for 3 - 30 days, sign up for “Hold Mail Service.” The Post Office has a forwarding service if you will be gone more than 30 days. For more information please all the U.S. Postal Service at (800) 275-8777.