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Guard Your Mail

Gurad Your MailYou may think your home mailbox is a safe receptacle for outgoing mail, think again. Thieves use mailboxes to gather your personal information on checking accounts as well as credit cards. Take mail containing payments with checks to Post Office collection boxes. Always gather your mail daily and if you will be gone, have the Post Office hold your mail. If routine bills do not arrive at normal intervals, contact the creditor; a thief may have falsely changed your address to divert your information.

Click here to learn more about protecting your finances.

Cybersecurity – 7 Ways to Thwart Cybercrime

7 Ways to Thwart Cybercrime Screen Shot 2017-02-28 at 8.23.08 AM

WASHINGTON – Cybercrime continues to be a growing problem in the U.S. According to the FBI’s Internet Crime Complaint Center, though we do not have 2016 totals, in 2015 the agency received approximately 288,000 complaints from consumers who were exposed to online fraud – up from nearly 270,000 in 2014. First Savings Bank and the American Bankers Association is urging online users to take simple steps to safeguard their personal information, protect their networks and stop fraud.

“Fraudsters are using the Internet to facilitate all types of scams,” said Doug Johnson, ABA’s senior vice president of payments and cybersecurity policy. “As a result, it is extremely important that online users secure their Internet connection and install the latest security software to lessen their exposure to online threats.”

ABA recommends the following tips to protect yourself while navigating the web:
- Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.

- Create complic@t3d passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.

- Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with. Forward phishing emails to the Federal Trade Commission (FTC) at spam@uce.gov – and to the company, bank, or organization impersonated in the email.

- Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc. Be wary of requests to connect from people you do not know.

- Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.

- Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.

- Read the site’s privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don’t see or understand a site’s privacy policy, consider doing business elsewhere.

The American Bankers Association is the voice of the nation’s $16 trillion banking industry, which is composed of small, regional and large banks that together employ more than 2 million people, safeguard $12 trillion in deposits and extend more than $8 trillion in loans.

Click here to learn more about protecting your finances.

SCAM ALERT! Suspicious Phone Call

Suspicious phone call:

We have been informed by a few of our customers they have received a suspicious phone call which appears to be initiated from First Savings Bank. The call states, “you have won a fabulous trip”. This is a scam. Please do not return the phone call and more importantly do not release any personal information about your accounts to anyone. We will not call you requesting your account information in return for a prize. Be vigilant about protecting your financial information!

Click Here for more tips.

Tips for Financial Safety When Traveling

Spring Break is almost here! Make sure your finances are safe during your next vacation with the following tips:

- Notify your bank debit card and credit card department that you will be going out of town so that your cards are not frozen for suspicious activity out of your spending area.

- Place a hold on mail delivery so that any checks you might be receiving stay at the post office until you return.

- Make copies of all IDs, credit cards, and debit cards. Keep one copy with you, and keep the other copy at home. You can also use an app like Keeper on your phone to save that information.

- Save the toll free numbers for all credit and debit cards you keep in your wallet.

What to do in case your debit or credit card is lost or stolen:

- Immediately notify the creditor(s) so they can cancel your card(s) and issue new ones. You would then need to file a police report.

First Savings Bank’s Debit Card customers can call:
1-800-528-2273

First Savings Bank’s Credit Card customers can call:
1-800-367-7576

Click here for more tips.

What to do if your card is lost or stolen

Record the toll-free numbers of all credit cards you carry in your wallet in a secure place. If your card(s) become lost or stolen, immediately notify the creditor(s) so they can cancel your card(s) and issue new ones. You would then need to file a police report.

First Savings Bank’s Debit Card customers can call:
1-800-528-2273

First Savings Bank’s Credit Card customers can call:
1-800-367-7576

For More Tips, click here.

ATM Safety

Automatic Teller Machines (ATMs) are a convenient way for you to transact banking. Follow these 5 tips to make your transaction safe whether you are using your neighborhood First Saving Bank ATM or one halfway across the globe:

1.Prepare your deposit slips, envelopes, and calculations prior to arriving so you can minimize your time at the ATM.

2.Scan the area to make sure it is well lit and that no one is lurking, be aware of your surroundings at all times.

3.When possible, use drive-up ATMs so you can stay inside of your vehicle.
Remember to take the card when you have completed your transaction.

4. Make sure to place your card, cash and receipt in your wallet.

- As you travel, know that you have access to over 2,200 Fifth Third ATMs at no additional charge to you.

- Also, to avoid interruption using your Debit Card make sure you let us flag your debit card before you go on vacation.

Thank you and have a safe summer!

Credit Review

Review your credit annually: it pays off!

One of the easiest ways to protect your credit is to review
it once a year. It’s a simple safeguard that can save you money, time and headaches down the road. The law requires that major consumer reporting agencies provide you a copy of your credit report annually.

You can get started on any of the following sites:
annualcreditreport.com
identityguard.com
freescoresandmore.com
privacyguard.com

While you may not know that something is wrong with your credit until you review it, indications that something may be wrong include: a bill that does not arrive as expected, receiving a denial of credit that you did not apply for, or receiving calls, emails or letters about purchases you did not make.

Remember, your best safe guard is routinely checking your credit!

Scam Alert – Federal Trade Commission (FTC) Investigation

FAKE “Federal Trade Commission (FTC) investigation” emails making the rounds again.

December 28, 2016

by: Ari Lazarus
Consumer Education Specialist, FTC

Scams are like weeds: they crop up, are treated and disappear, only to find a way to pop up again. Such is the case with a scam we’ve written about before. In this scam, the fraudster pretends to be from the FTC and emails people, telling them they’re under investigation and to click on a link for more information.
If you get one of these emails, stop. Do not click the link. The federal government doesn’t tell people they are under investigation by email. Sometimes, the emails are phishing scams designed to collect personal information, including your email and IP addresses – information that could be used to commit identity theft. Other times, the links are used to install malware on your computer, which can make your device crash, or let the scammer monitor and control your online activity, steal your personal information, send spam, and commit fraud.
Bottom line: If you get an email saying you’re under investigation by the FTC, or required as a witness, the email is fake. You can forward the phony email to spam@uce.gov, the FTC’s email address for spam. This database helps the FTC bring cases involving scams promoted via email. But, most importantly, delete the email.

For more information on how to spot an imposter scam, check out our Imposter Scam page.

Why is it so important to keep your smartphone updated?

Whether you are an Android, iPhone or Windows Mobile user, updating your phone when new software updates become available is an easy and safe way to make sure your smartphone is as secure as possible, you are getting the best mobile experience, and bugs you might not even know exist are fixed before they become a problem.

At some point, maybe once or twice a year, your smartphone will tell you there’s a new update available. Most updates come via the settings application. Interrupting what you are working on and losing access to your phone for a while can be annoying, but it is critical to stay on top of your software updates to keep you safe.

iPhone *
Make sure you have a recent iCloud backup.
Launch Settings from your Home screen.
Tap on General.
Tap on Software Update.
Tap on Download and Install.
Enter your Passcode, if prompted.
Tap Agree to the Terms and Conditions.
Tap Agree again to confirm.

Android *
Open the Settings menu.
Scroll down to About.
Tap the Software Update or System Updates option. Your phone will scan for updates.
Scan for updates.
Tap Download to begin installing an available update.

Windows 10 *
Go to¬†Microsoft’s website to check if the upgrade is available for your phone.
Get the Windows 10 Advisor app, available for free.
The Advisor app will guide you through the process.
Remember, installing updates to your operating systems and applications may be an inconvenience sometimes, but it is key to protect your online security!

* Instructions vary slightly depending on phone manufacturer and
service provider.

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