BANK NEWS AND INFORMATION

 

Check here for up to date News, Information and Alerts from BCT about your Banking Relationship.

Fraudulent Email Warning

We have received reports of customers receiving fraudulent NetTeller Watch Notice emails.  For your protection, do not click on any link within an email to go to our NetTeller website.  Instead, open your browser and type in our website address.  This will assure you are going to the correct site.  If you believe you have received a fraudulent email please call us at 304-725-8431.

Report Lost or Stolen Debit Cards

To Report a Lost or Stolen ATM/Debit Card after hours & weekends: CALL 1-866-546-8273 

Unlawful Internet Gambling Enforcement Act of 2006

In accordance with the requirements of Unlawful Internet Gambling Enforcement Act of 2006, restricted transactions are prohibited from being processed through your account with BCT. Restricted transactions are transactions in which a person accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet gambling.

A Regulatory Change Affects Your Everyday Debit Card Transactions

If you use your debit card for everyday purchases at grocery stores, gas stations, doctors’ offices and so on, as well as for transactions at the ATM, you need to know about a regulatory change that will limit your safeguards in case of emergency. As of August 15, 2010*, we can no longer provide automatic Bounce Protection service on these everyday debit card purchases and ATM transactions. If you want this service, you will need to specifically request that Bounce Protection be continued on your account by completing the Opt-in form below and returning the form to any BCT location or call us at 304-725-8431 to opt-in by phone.

Opt-In form

You have the right to revoke your consent at any time after opting-in by completing the Right to Revoke Consent form below and returning the form to any BCT location or call us at 304-725-8431 to revoke by phone.

Right to Revoke Consent form
 

* The effective date of the change is August 15, 2010 for accounts opened before July 1, 2010. For accounts opened after July 1, 2010 the effective date of the change is July 1, 2010. Beginning August 15, 2010, we will not authorize and pay overdrafts on ATM and everyday debit card transactions without account holder consent. An overdraft (OD) fee or insufficient funds (NSF) fee of up to $32.00 for each item will be charged for covering overdrafts that result in a negative balance at the end of the day. Overdrafts may be created by check, ACH, online banking transactions, phone transactions or other electronic means. Recurring debit card transactions (payments that are set up to bill and pay automatically), such as an automatic draft from your health club or insurance company, may continue to be covered by your overdraft service. Once an overdraft has occurred you are required to bring your account to a positive balance within 30 days. We reserve the right not to pay if your account is not in good standing. Contact us if you have questions.

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.

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.

Do not order checks with your social security number or driver’s license number printed on them.

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.

Remove mail promptly from your mailbox and store checks in a secure place.

Conceal checks from view when you mail them by wrapping them in paper or by using security envelopes.

Reconcile your account promptly.

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.                                                      

How to protect yourself

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.

  • Never access our web page from a link provided by a third party.
  • Use anti-virus software, spyware, and a firewall and keep them up to date.
  • Don’t e-mail personal or financial information.
  • Review credit card and bank statements as soon as you receive them.
  • Be cautious about opening attachments or downloading any files from e-mails.
  • 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.