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Security Corner

The Ohio State Bank will NEVER ask you to verify, call or send your account information to us via email, text, phone or any other communication. We have your information on file.

(July 2010)
Recorded messages warning your debit card or credit card has been deactivated
Customers and non-customers are receiving messages (emails, voicemails, text) that their cards have been deactivated. They are instructed to reactivate it by entering their account number and PIN. Please beware of these messages. They are scams that try to capture your information.

FDIC fraudulent email circulating

Emails are circulating claiming to be from the FDIC asking you to check your bank's deposit insurance coverage. The message says you are receiving the email because you are a a holder of an FDIC insured bank account and the FDIC is taking control of its assets. The email contains a link to check your deposit insurance coverage. The intent of this email is to obtain your personal information.

ACH fraudulent email circulating

Companies/ individuals are receiving email with the subject "REJECTED ACH TRANSACTION" claiming to be from NACHA - The Electronic Payments Association. The email contains a link that redirects to a fake website (looks like the NACHA site) and installs a virus on your computer.

Phone Scam
The Ohio State Bank has been the target of several phone scams where customers and non-customers are being contacted via their cell phones (voice and/or text) alerting them that their account is being suspended or closed. Scammers give instructions to verify your account information and/or debit card number. This is an attempt to steal your personal information.

Email Scams
Please use caution with email. There are a number of unsolicited emails circulating disguised to be from an institution you may know with an urgent message for you to take action. Most emails are designed to steal your identity.

Online Banking Fraud
We invest in top-notch technology and are very diligent in providing you with online security for your accounts. You must also be as diligent in protecting yourself from becoming a victim of online fraud. Two trends the industry is seeing:

"Keylogging"is a virus that targets your operating system and records your keystrokes. As you type your login, passwords and answers to your personal challenge questions, fraudsters are right there seeing what you type.

Anti-Virus software and keeping your operating system up-to-date with security patches can prevent keylogging on your computer. You can buy anti-virus software or obtain it for free. If you get it for free, please research the company before you install it on your computer.

"Phishing" mimics a company’s website or email alerts and coaxes you onto their site via a link where you enter your information. The message is usually alarming like your account is suspended or will close. The sites/emails look legitimate, but they are not.

Phishing is a little easier to combat when you are cautious. Never click on a link from a company asking for your personal information. Pay attention to the internet address you are visiting (hover over the link and the address will appear on the bottom of your page or right click and select PROPERTIES to verify the page address). Often it shows it is not the company you think it is.

For more information, see Tips for Preventing Online Fraud.

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