Fidelity Savings takes to privacy and security of our customer’s information very seriously. We have implemented a real-time approach to contacting you to possible fraud on your account. Please be advised that you will receive an automated call from the EnFact notification center whenever a questionable transaction occurs on your debit card. Any unusual activity such as transactions made outside of our area and/or transactions that seem doubtful will activate this call. The message will begin by stating “This is the fraud detection center calling to verify recent transactions on your Fidelity Savings ATM debit card account”. You will then be asked to follow three simple prompts.
The ONLY information you will be asked to give is your 5-digit mailing ZIP code. You will NEVER be asked for your Social Security number, PIN or account number. If the transaction was not authorized, you will then be connected to a representative who will assist you. Please know it is always Fidelity Savings’ intention to do everything possible to safeguard your account and information.
If you have any questions, please feel free to contact our Deposit Services Department at 215-788-0448 during our regular business hours (8:30 am – 5:00 pm Monday through Friday).
RECENT MERCHANT DATA BREACHES: Recently, there have been many reports of data breaches on the news. Fidelity Savings would like to assure our customers that we are extremely proactive in protecting your account(s). Once notified of the breach, we immediately notify all pertinent card holders and when necessary, replace the card. Please be assured that Fidelity Savings will act quickly to protect your account. In addition, we have enabled our third party processor to call our customers directly when fraud is suspected. This is an automated system that will not require an entry of your non-public private information; such as a social security number or Personal Identification Number (PIN). You will be asked to enter your zip code and will have the option to select a representative to speak with. You may also call our Deposit Services Department at 215-788-0448.
We have also implemented Card Valet®, a free app available in Google Play or Apple’s App Store. This app will allow you have more control over your card; such as, when and where the card is used, when the card is available for use and you may set limits and notifications for use.
PECO ENERGY PHISHING SCAM:We have been notified of recent calls claiming that the Peco Energy bill is past due and service will be turned off if payment is not made to the caller. This is a phishing scam – if you receive a phone call claiming to be Peco Energy, hang up and call Peco directly; using the contact phone number on your monthly statement.
Quest Diagnostic: Quest Diagnostic has recently announced a date breach with one of it’s third-party processors, American Medical Collection Agency, a billing collections service provider used by one of its contractors, Optum 360. Information obtained in this breach was personal information; such as Social Security Number, birth date ans residence information. This information can be abused in ways that have greater and longer-term consequences than stolen card data. Quest assures they are working with Optum360 to determine all that have been effected by this breach. Fidelity Savings assures you that as a part of our continued effort to protect our customers, we will begin to ask transaction related questions that only a true account holder would know, reducing opportunity of an account breach through your account with us.
SPECIAL ALERT: Fraud and Identity Theft Fraud and identify theft continue to be of concern to everyone. You can be the best line of defense against fraud and identity theft, and you can find additional information on the matter at www.consumer.gov/idtheft. This is the US government’s central Web site for information about identity theft.
“Phishing” Scams: “Phishing” refers to criminal activity that attempts to fraudulently obtain sensitive information, such as social security number, driver’s license, credit card information, or bank account information through deceptive use of electronic communication. This may also be attempted with a telephone call from a “spoofed” telephone number.
One identified method used by scam artists is to first send a benign email and then follow up with a phishing email that often contains a malicious link. Cyber-criminals have typically used emails to launch this type of attack, but with the widespread use of social media networks and smartphones with internet access, the types of attacks are increasing. Education is the first line of defense against phishing scams. The following tips and resources can help in this learning process:
- Do not to respond to any email that directs them to update their personal information by telephone. Use the customer service number on the back of your card exclusively.
- Never provide sensitive information to persons to whom you did not initiate contact.
- Visit our website directly by carefully typing http://fsbristol.com. Please do not click on links received in emails or text messages and do not open or reply to spam emails.
- Remember the importance of having strong antivirus and anti-spam software; as this may help to detect, block, or disable some malicious software and phishing emails.
- Be mindful of the security level of the websites requesting personal data, financial or otherwise. The web address should start with “https://” (“s” for security) rather than the usual http://.
- Fidelity Savings’ staff will be able to assist you with any concerns when you call our office. When we call you, you can expect that the caller is working within one of our three offices. We only utilize one third party to call our Visa debit card holders. This service will not ask for your social security number; you will be asked to provide the zip code for your card and may be asked to confirm prior transactions completed with your card, in the event of possible debit card fraud.
- If a phishing email references a telephone number that you suspect to be related to a VoIP (voice over internet protocol) scam, please report the number to your local federal law enforcement agency. Most agencies now have cyber threat units that are well-versed in investigating these claims. Also report any telephone scam calls.
FDIC Consumer Education – A FDIC on-line tool is available to help educate consumers how to better protect their computers and themselves from identity theft, and steps to take if they have been victimized. The presentation: Don’t Be an On-Line Victim: How to Guard Against Internet Thieves and Electronic Scams is on the FDIC’s website.
BANKING DEPARTMENT URGES CAUTION WHEN CASHING CASHIER’S CHECKS FROM PEOPLE YOU DON’T KNOW
- Understanding that when cashing a cashier’s check, even though the bank has provided you with the money, you are responsible for the funds until your bank has received the proceeds from the institution which originally issued the check
- Being cautious of transactions with people you don’t know who purchase items via cashier’s check
- Avoiding any situation where someone pays more than the purchase price of an item and demands that the extra money be returned
- Being suspect of any cashier’s check that just shows up in the mail, especially if it has a “congratulations” letter attached
- Holding any funds provided by cashier’s check from someone you don’t know for 30-45 days before using those funds, especially when you have any sense that the transaction is out of the ordinary.
If you believe that you have been the victim of this type of scam, please call the Pennsylvania Attorney General’s office at 800-441-2555, the U.S. Secret Service at 202-406-5850 or the Pennsylvania Department of Banking at 800-PABANKS.
Special Alert: Fraudulent Anti-Terrorist Stop Order Letters