September 15, 2014 – On September 8, 2014, Home Depot reported that their payment systems were breached, resulting in unauthorized access to payment card information of individuals who made transactions at The Home Depot stores from April 2014 through September 7, 2014.
First Columbia Bank has received a list of debit card customers whose cards may have been compromised. We are in the process of issuing new cards for these customers. If First Columbia Bank has not contacted you, it is not necessary to replace your card at this time.
We are committed to protecting the security of your personal and financial information. The Bank will continue to monitor customers’ accounts and inform you immediately if we detect any suspicious activity. We strongly recommended that you also review your account statements and transaction activity. Please contact us immediately at 570-784-1660 if you notice any fraudulent activity. You will not be responsible for unauthorized transactions that are reported promptly.
Home Depot is offering free identity protection services, including credit monitoring for their customers who used a payment card at a Home Depot store from April 2014 on. For more information, please visit their website at www.homedepot.com.
As a result of this most recent situation, we would also suggest that customers review the information in the section below, titled “Strategies to protect your personal information.”
By operation of federal law, beginning January 1, 2013, funds deposited in a non interest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of the depositor's accounts at an insured depository institution, including all non interest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of non interest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html
Protecting Your Personal Information
Please remember, First Columbia Bank & Trust Co. will never send customers e-mail or text messages asking for "sensitive personal financial information." If you receive an e-mail or text message asking for "sensitive personal financial information" for your First Columbia Bank & Trust Co. accounts, please do not open the message, delete it immediately, and notify First Columbia's Operations Department at 570.387.7144.
To better protect your financial information from Phishing Scams, First Columbia Bank strongly recommends consumers take precautions.
- Be suspicious of unsolicited phone calls, visits, or e-mail messages asking for sensitive information offering deals that are "too good to be true" or compensating you for assisting someone with moving funds
- Never reveal personal or financial information in an e-mail, and do not respond to e-mail solicitations or hyperlinks for this information
- Visit websites by manually typing the URL into the browser's address bar instead of clicking on a link in an e-mail
- Never send sensitive information over the Internet before checking a website's security (verify "https:")
- Pay attention to the URL of a web site. Malicious websites may look identical to a legitimate site, but the URL may use a variation in spelling or a different domain (e.g., .com vs. .net)
- Verify any suspicious e-mail or information request by contacting the company directly
- Do not use contact information provided on a website connected to a request; instead, check previous statements for contact information
- Check for known "Phishing" sites with groups such as the Anti-Phishing Working Group
- Review your credit card and bank statements on a daily basis
- Immediately report any suspected online abuses to the bank and the proper authorities
- Install and maintain up-to-date browsers, anti-virus software, firewalls, and e-mail filters on all computers
- When accessing First Columbia's Online Banking System (on Internet Explorer 7.0 or higher), please make sure the First Columbia web address is in a secure "Green Bar." This "Bar" is an Extended Validation Certificate that will verify that you are on CCFNB Bancorp/First Columbia Bank & Trust Co.'s website – www.firstcolumbiabank.com
- Strongly consider initiating ACH and wire transfers under dual control with a transaction originator and a separate transaction authorizer
- Consider establishing daily transaction limits for all Online transactions (Please contact First Columbia to set up limits)
- Please do not share user names and passwords (Please contact First Columbia to set up additional user names.)
- Please change passwords on a regular basis
- Create strong passwords that include a combination of mixed case letters, numbers and special characters
- Please do not access bank, brokerage or other financial institution information at Internet cafes, public libraries, etc.
Please note: This is for informational purposes and is not intended to provide legal advice. This guidance is not an exhaustive list of actions. Security threats change constantly.
Additional Consumer Protection Resources
- FBI Warning - E-Scams
- Credit/Debit Card Scam
- 5 Tips for Protecting Your Checking Account
- Consumer Alerts - From PA Department of Banking/U.S. Postal Service Fraud
- FBI Fraud Alert: Don't Get Ripped Off!
- Banking Department Urges Caution when Cashing Cashier's Checks from People You Don't Know
- Important Alert about "Phishing"