Customer Notice

Online banking will be unavailable from 9:00 PM on Saturday, April 26th to approximately 5:00 AM on Sunday, April 27th for required system maintenance.

Internet Security

Customer Alerts

Target Stores Credit Card Breach
Target Stores were hit by a major credit-card attack involving up to 40 million accounts at the end of 2013. If you used your debit card anytime between 11/27/13 and 12/15/13 at a Target Store, please contact us at 570.784.1660. We have been notified of the First Columbia Bank Cardholders that may have been affected by this breach and  have notified these cardholders. If you notice any unusual activity on your account, please contact us immediately.
Important Debit Card Fraud Prevention Update
As an added measure to protect our customers against possible fraud, Vantiv, the company who handles First Columbia's debit card processing, has begun sending SMS/text alerts and IVR messages to cardholders if they identify any suspicious debit card transactions. These types of alerts will help Vantiv detect and reduce fraudulent debit card activity.  There is no additional cost or charge to customers for this service.  If you receive a message about a suspicious transaction, please call First Columbia Bank at 570.387.7144.
Notice of Expiration of the Temporary Full FDIC Insurance Coverage for Non interest-Bearing Transaction Accounts

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

Fraudulent E-mail Survey
The FDIC has issued a Consumer Alert about reports of fraudulent e-mails that appear to have been sent by the agency, promising $100 to those that complete a five-question survey. Recipients are warned not to click on the link listed in the e-mail.
Phone Scam Alert
First Columbia Bank & Trust has been made aware of a scam targeting some customers via their phones. Customers are stating that they have received calls or text messages on their phone claiming that their debit card will be deactivated or negatively impacted. The message states that to reactive your card you must respond to the message with your card number and its associated PIN. Please do not respond to this message as it is a SCAM. This message is not from First Columbia Bank and we will never ask for your PIN. If you have responded to a call or text message such as this, please contact First Columbia Bank immediately for assistance.

 

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. 

Strategies to protect your personal information                                                                
  • 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