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Checking Account Fraud

Although, we have safeguards in place and we constantly update our training programs, the best person qualified to guard against checking account fraud is you. Here’s how you can guard against it.

1. Make sure you destroy all old, unused checks, or special checks from credit card mailings that you do not intend to use. Ideally, these should be shredded.
2. Do not order checks with your social security number or driver’s license number printed on them.
3. If your newly ordered checks are late arriving, please contact us at 304-725-8431. When you receive your order, verify that the information is correct and that you have the correct number you ordered.
4. Remove mail promptly from you mailbox and store checks in a secure place.
5. Conceal checks from view when you mail them by wrapping them in paper or by using security envelopes.
6. Reconcile your account promptly.
7. If your checks are stolen, notify us immediately.

Identity Theft

You may find yourself the victim of identity theft by merely replying to an e-mail. Phishing (pronounced “fishing”) involves the use of seemingly legitimate e-mail messages and Internet Web sites to deceive consumers into disclosing sensitive information, such as bank account information, social security numbers, credit card numbers, passwords and personal identification numbers (PINs). The message may claim to be from a business or organization that you deal with or even a government agency. The message may ask you to “update”, “validate” or “confirm” your account information. Some phishing e-mails threaten a dire consequence if you don’t respond.

1. Never provide your personal information in response to an unsolicited request, whether it is over the phone or the Internet. If you get an e-mail message or pop-up message that asks for personal or financial information, do not reply and don’t click on the link in the message either. Legitimate companies will not ask for this information via e-mail. If you are concerned about your account, contact the company mentioned in the e-mail using a phone number you know to be genuine.
2. Never access our web page from a link provided by a third party.
3. Use anti-virus software, spyware, and a firewall and keep them up to date.
4. Don’t e-mail personal or financial information.
5. Review credit card and bank statements as soon as you receive them.
6. Be cautious about opening attachments or downloading any files from e-mails.
7. Contact the organization impersonated in the e-mail and advise them of the scam. You may notify the bank at 304-725-8431.

If you believe you have been scammed, file a complaint at www.ftc.gov and then refer to the information in our Online Security section pertaining to identity theft.