• Protecting your Identity and Computer from Cyber-Attacks
• Phishing Scams
• Falcon Protection
• Lost or Stolen Debit Card
• Errors with Electronic Transactions

Protecting your Identity and Computer from Cyber-Attacks 

• Enable encryption and password features on your smartphones and other mobile devices.
• Use strong passwords that combine uppercase and lowercase letters, numbers, and special characters, and do not share them with anyone. Use a separate password for every account. In particular, do not use the same password for your work account on any other system.
• Disable wireless, Bluetooth®, and NFC when not in use.
• Use and regularly update firewalls, anti-virus, and anti-spyware programs.
• Do not use your work email address as a username on non-work-related sites or systems.
• Be cautious regarding all communications; think before you click. Use common sense when communicating with users. Do not open email or related attachments from untrusted sources.
• Do not reveal too much information about yourself online. Depending on the information you reveal, you could become the target of identity or property theft.
• Be careful with whom you communicate or provide information on social media sites. Those friends or games might be looking to steal your information.
• Allow access to systems and data only to those who need it and protect those access credentials.
• If the device is used for work purposes, do not share that device with friends or family.

Phishing Scams

ABA WARNS CONSUMERS OF PHISHING SCAMS

The American Bankers Association is warning consumers not to fall victim to a sudden increase in phishing scams that have been reported in states around the country. 

According to reports, perpetrators are using automated dialers, text messages or emails to misinform consumers that their accounts have been closed due to fraud.  Consumers are then prompted to enter in their card information, including expiration number and three-digit CV code on the back of the card, in order to reactivate their accounts.  Those who respond to these inquires run the potential risk of having their information used to fraudulently purchase goods and services or to obtain credit. 

To avoid becoming the victim of a phishing scam, ABA offers the following tips:

• Never give out your personal or financial information in response to an unsolicited phone call, fax or email, no matter how official it may seem. 
  
  
• Do not respond to email that may warn of dire consequences unless you validate your information immediately.  Contact the company to confirm the email's validity using a telephone number or Web address you know to be genuine.
  
  
• Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones.  Some thieves hope small transactions will go unnoticed.  Report discrepancies immediately.
  
  
• When submitting financial information online, look for the padlock or key icon at the bottom of your Internet browser. Also, many secure Internet addresses, though not all use "https". 
  
  
• Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.
  
  
• If you have responded to an email, contact your bank immediately so they can protect your account and your identity.  For information on identity theft, visit ABA's Consumer Connection.
  
  
• For more information on phishing, visit the following: Federal Deposit Insurance Corporation, the Anti-Phishing Working Group, the National Consumers League, the OCC Consumer Protection News and the OCC Consumer Complaints and Assistance Web site.

|return to top|

FALCON PROTECTION

Protecting you from unauthorized use of your debit card is one of our top priorities at First National Bank.  To mitigate fraud, we have implemented a monitoring system, called Falcon, to help guard your debit card against fraudulent activity.  If suspicious activity is detected on your card, you will be contacted by us or a fraud specialist calling on our behalf to verify the transactions in question. 

If you get a call from a fraud specialist or your card is being denied after normal business hours please contact their 24/7 support at 1-866-508-2693.

       Monitors all card transactions for unusual or suspicious activity

       Takes into account your normal activities

       Each transaction is scored based on the likelihood of fraud

       Depending on the score, once an unusual or suspicious transaction takes place, you will be called and/or the account will have a temporary black put on it until you can be contacted.

During the notification process, the fraud specialist from Falcon will note that he or she is calling on behalf of First National Bank.  The fraud specialist will ask you to validate your identity via a series of qualifying questions that must exactly match the information in our records to successfully authenticate your identity. 

Please remember that we will NOT ask for your card number of personal identification number (PIN) to verify your identity.  Always use caution when providing your card information, and contact us if you suspect your card has been stolen or compromised.

If you cannot be reached, Falcon may put a temporary block on your account to prevent further fraudulent activity.

To ensure that we can reach you promptly if fraudulent activity is suspected, we need to have current contact information on file, including:

       Primary phone number

       Secondary phone number (mobile phone or work number)

       Current address

       City, state and ZIP code

It is very important to keep this information current.  If your information changes, please contact us immediately. 

To Report a Lost or Stolen ATM / Debit Card:

1. Call Shazam @ 1-800-383-8000 to report the card lost or stolen.
2. Contact First National Bank via email or call 319-352-1340 (800-369-3629) to cancel your card. If the bank is closed, please leave your name and phone number. A bank representative will return your call as promptly as possible.
3. Verify your account transactions with a First National Bank Representative.
4. A bank representative will process application for a replacement card.

|return to top|

           IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSACTIONS, PLEASE CALL US AT OUR PROCESSING CENTER 319-483-4833 OR WRITE US AT:

FIRST NATIONAL BANK, PO BOX 837, WAVERLY, IA 50677
AS SOON AS YOU CAN.

If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, we must hear from you no later than 60 days after we sent you the FIRST statement on which the error appeared.

(1) Tell us your name (and account number, if any.)

(2) Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days (5 business days for SHAZAMChek card point-of-sale transactions and 20 business days in the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for SHAZAMCheck card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, if you are a new customer.

If we decided that there was no error, we will notify you within 3 business days after we finish our investigation.

|return to top|