Protecting Your Information – Avoiding Fraud

April 16, 2018

At First National, we work to keep you, our customers, and your personal information secure. Scammers, however, work in various ways to capture and use your information. Learn more about the types of scams to watch out for:

“You’ve Won!” Scams

Whether it’s a luxurious vacation, a lottery cash prize or a brand new car, some scammers will call with one goal: to get you excited about your winnings and not think about what they’re asking for in return. The only way to release your winnings, they tell you, is if you pay the fees or taxes associated with the prize. Always keep your money to yourself, and hang up immediately when you get these calls asking for a wire transfer or immediate fee charge.

Identify Theft Scams

Identity theft can include personal information from your Social Security or Medicare number to your credit card information. Phishing (email) or Vhishing (phone) scams try to trick you into giving away your passwords, account numbers or other personal information. It is up to you to protect your access identification, password and account information and read your monthly statements to check for any inaccuracies. Learn more about ways you can protect your identity.

Charity Fraud Scams

Charity scammers often pressure you to donate to their “organization” immediately, urging you to wire money or send cash. They might even thank you for a pledge or contribution that you never made to keep you on the phone. If you’re suspicious of a charity asking for a donation, take your time and research the organization. If they are asking for wire donation or cash contribution, it’s likely a scam.

Health Care Scams

Health care scammers follow the headlines and may use them to trick you into giving away your personal information for a better deal or a solution to a problem you may have seen on the news recently. Because health care is a complicated system, scammers may try to convince you that they are just trying to help you. Never give your Social Security number, financial information or insurance information over the phone. Before you share anything, do your research and check with someone you trust.

IRS Imposter Scams

Have you ever gotten a threatening call from someone who claims to be with the IRS? The real IRS will never ask you to pay with prepaid debit cards or wire transfers, and will never take credit card information over the phone. Caller IDs for these types of calls are often faked. If you have questions for the IRS, call them directly at 800-829-1040 or go online at irs.gov.

If you or someone you know spots a scam, please report it to the Federal Trade Commission by calling (1-877-382-4357) or submitting online at ftc.gov/complaint.

If you have any questions or want to take further steps to protect your personal information, contact one of our universal bankers at 507-645-5656, email us or stop in to one of our full service locations.

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