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BEWARE OF FRAUDULENT E-MAILS CLAIMING TO BE FROM NACHA NACHA – The Electronic Payments Association has received reports that individuals and/or companies have received a fraudulent email that has the appearance of having been sent from NACHA. See sample below.
The subject line of the email states: “Unauthorized ACH Transaction.” The email includes a link that redirects the individual to a fake Web page and contains a link that is almost certainly an executable virus with malware.
Do not click on the link. Both the email and the related website are fraudulent.
Be aware that phishing emails frequently have links to Web pages that host malicious code and software. Do not follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.
NACHA itself does not process nor touch the ACH transactions that flow to and from organizations and financial institutions. NACHA does not send communications to individuals or organizations about individual ACH transactions that they originate or receive.
If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist to remove malicious code or re-install a clean image of the computer system.
Always use anti-virus software and ensure that the virus signatures are automatically updated.
Ensure that the computer operating systems and common software applications security patches are installed and current.
Be alert for different variations of fraudulent emails.
= = = = = Sample Email = = = = = =
From: Information
Sent: Thursday, July 22, 2010 8:27 AM
To: Doe, John
Subject: Unauthorized ACH Transaction
Dear bank account holder,
The ACH transaction, recently initiated from your bank account, was rejected by the Electronic Payments Association. Please review the transaction report by clicking the link below:
Unauthorized ACH Transaction Report
= = = = = End Sample Email = = = = = =
Please contact your nearest Pendleton Community Bank office with any questions or concerns.
PENDLETON COMMUNITY BANK ONLINE Welcome and thanks for visiting Pendleton Community Bank online! Pendleton Community Bank serves Pendleton, Hardy, Grant and Pocahontas counties in WV and Highland and Bath counties in Virginia, and the Harrisonburg area of Rockingham county, Virginia. We hope you will find our site easy to use and helpful in nature. If you ever have any difficulty finding something or would like more information, we encourage you to call one of our nearest offices for assistance.
Enjoy your time exploring our website, and we hope you will check in with us periodically to see what new things we’ve added. We will strive to keep you informed of all the latest going on in and around Pendleton Community Bank!
Visit CEO Message to read the complete letter.
GETTING READY TO GO ON VACATION OR BUSINESS TRIP? Please visit your nearest financial center to verify your contact information prior to traveling out of town on business or vacation. This will help us protect your accounts from fraudulent activity and identity theft.
MasterCard SecureCode™ Another Tool to Protect You When Purchasing Online Pendleton Community Bank now offers MasterCard®SecureCode™.
MasterCard SecureCode is an innovative service offering secure Internet shopping while using your PCB debit card. MasterCard SecureCode lets you add a personal SecureCode™ to your debit card, getting added security and the reassurance that only you can use your card online. MasterCard SecureCode puts you in control when shopping online: only you can approve purchases using your private SecureCode™. Click here for more information.
'PHISHING' SCAMS ON THE RISE Be aware of 'phishing' scams and NEVER give bank account information or social security numbers over the Internet or through email. Go to the bottom of this page for more information on phishing, identity theft and how to protect yourself.
TINY TOTS DAYCARE VISITS THE FRANKLIN OFFICE Pendleton Community Bank in Franklin was pleased to host a bank tour and demonstration for children at the Tiny Tots Daycare in Franklin. Go to Our Involvement for the complete story.
DON'T BE A VICTIM OF IDENTITY THEFT Pendleton Community Bank will NEVER ask you to provide, verify or update personal account information via email or an unsecured Internet web site. If you receive a request, DO NOT PROVIDE INFORMATION and contact a Customer Support Representative immediately at (304) 358-2311 or 1-866-722-2651 during business hours. NOTE: Pendleton Community Bank does provide a “secure messaging” feature within 24/7 Online Banking which can be used to communicate personal account information in a secure manner.
See the four protection strategies below and visit the FAQs section to learn about common internet scams (Phishing and Spoofing) and get tips on how to protect your identity from being stolen.
Be aware of spoofing and phishing attacks through email.
Make sure your computers are fully patched. It's highly recommended you use Windows XP and turn on the automatic installation of patches feature.
Use a firewall. Windows XP has a built-in firewall or use any of the top-name Internet Security vendors products.
Use improved passwords with mixed numbers and upper and lower case letters. Include special characters (like $ and @) from above the number keys in the password. Example: Mary$Lamb5.
Click here to visit the Federal Trade Commission's Identity Theft Site to learn how to 'deter, detect and defend' your identity and what to do if you suspect your identity has been stolen.
WHY SHOULD YOU REVIEW YOUR CREDIT REPORT? There’s numerous reasons: ID theft, accurate information, see what lenders know about you, etc. Under the FACT ACT (Free File Disclosure Rule of the Fair and Accurate Credit Transactions Act) each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — is required to provide you with a free copy of your credit report once every 12 months, if you ask for it. Fees may apply if other services in addition to the free credit report are requested (such as a credit score). Click here for more information.
TRANSACTION ACCOUNT GUARANTEE PROGRAM Pendleton Community Bank is participating in the FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.
Mobile Banking adds a whole new dimension to 24 hour banking . . .
If you have an internet enabled cell phone, let us connect you to your bank accounts with yourbank2go!
