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McKenzie Banking Company/Foundation Bank is committed in doing our best to educate you, keep you informed and protect you from fraudulent activity and possible security risks. To report a scam or fraud, please contact McKenzie Banking Company/Foundation Bank immediately at 731-642-3130.
Your privacy is important to us and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services as effectively as possible, we use technology to manage and maintain customer information. Please review our entire Privacy Policy which serves as a standard for collection, use, retention, and security of nonpublic personal information by clicking on the Notice of Privacy Rights button on the left.
McKenzie Banking Company/Foundation Bank will never contact you through e-mail to ask you for personal information, such as Social Security Number, account number or debit card number. Because there is small risk that information transmitted via Internet e-mail could fall into the wrong hands, we suggest that confidential information not be transmitted via e-mail. Instead, please contact us directly by phone or at your nearest bank branch.
ATTENTION!
An e-mail reporting to be from the ACH network has been circulating stating that an ACH transaction was rejected. This is a fraudulent e-mail and you are advised to delete the message immediately.
PANDEMIC PREPAREDNESS FOR SWINE FLU (H1N1)
(In association with the American Bankers Association)
Protecting customers and employees is our top priority in potentially dangerous situations.
In the event of a pandemic, a bank’s number one priority is the safety of its customers and employees.
Banks are asking their employees to follow the hygiene guidance released by the Center for Disease Control and Prevention as well as restricting business travel to infected areas such as Mexico.
Each bank makes its own decision regarding appropriate security procedures depending on location and type of branch.
For security reasons, customers who would like to wear masks covering their noses and mouths could be asked to do their banking through the drive-through windows.
Banks prepare for emergencies so their customers’ funds are protected and accessible.
Every bank in the country has – and is required to have – emergency recovery plans and multiple backup systems. This includes planning for events such as a pandemic.
Federal regulators (FDIC, Federal Reserve and the Office of the Comptroller of the Currency) regularly examine each bank to make sure they have detailed – and tested – emergency recovery procedures and business resumption plans.
The banking industry has prepared for such an event. Bankers are creating teleworking arrangements, utilizing online banking and the ATM, encouraging employees to follow the CDC’s hygiene recommendations and creating crisis communication plans.
ABA was one of 2,500 institutions that participated in a pandemic exercise held by the federal government in 2007 to determine how banks should respond to ensure the safety of their customers and employees as well as the security and accessibility of their customers’ money. ABA has also created a tool kit bankers can use to create a pandemic response plan specific to their area.
Banks have a proven record of effective disaster recovery.
Throughout history, U.S. banks have been prepared for and responded to emergencies both real and imagined. Bankers have dealt successfully with economic recessions, natural disasters and other business disruptions including pandemics.
When faced with natural disasters, banks have a proven record of operating smoothly, protecting consumers’ deposits and providing continued access to their funds.
Post 9/11 procedures and extensive preparations for Y2K strengthened the banking industry’s ability to deal with a broad range of disruptions.
The safest place for your money is in the bank. It’s earning interest, it’s FDIC-insured and it’s convenient.
Background: When an emergency strikes, every consumer should know that their bank is prepared, their deposits are safe, and they will have continued access to their funds. Banks are required by law to have extensive emergency recovery plans in place to protect customer accounts, and state and federal regulators routinely examine each bank on their preparations. Banks have an admirable record and a proven history of being “up and running” within hours of any unexpected event.For more information go to: http://www.hhs.gov/
PHISHING is a term used to describe how a criminal attempts to obtain your personal financial information such as credit card numbers, account numbers, passwords and social security numbers through the use of fraudulent e-mails, which lead consumers to counterfeit websites designed to trick recipients into divulging such information.
In the fraudulent e-mail, they will ask you to provide your personal financial information by either supplying the information in a pop-up window or by clicking on a link that sends you to a counterfeit site. The hijackers copy the look of a legitimate business website using actual company logos so the consumers don't notice they left the trusted site. This fraudulent website attempt is called PHARMING. These fraudulent e-mails may also contain phone numbers to help it look legitimate. Look up the phone number in a phone book and call to verify the e-mail. Once the information is obtained the data may be unlawfully used against you to create transactions on your existing accounts. To avoid this form of identity theft, do not click on any of the links in the e-mail or supply any personal financial information in a pop-up window or in a link to another website.
VISHING is a term used to describe fraudulent voice or telephone services requesting personal information. Vishers may leave a message requesting a call back to a fraudulent toll-free number.
MISHING is a term used to describe fraudsters calling you on your cell phone or leaving a message asking for personal information.
KNOW WHO YOU ARE DEALING WITH
NEVER give out your personal information such as passwords, PINS, CVC codes on the back of your credit card, social security number, debit or credit card numbers, bank information or other sensitive information.
IDENTITY THEFT PROTECTION – Tips to protect yourself...
What to do:
Retrieve your mail in a timely manner
Stop home mail delivery when you're on vacation
Take action if your regular bills stop coming
Use a shredder before discarding personal financial information
Use a secure browser when transmitting financial information online
Take quick action to report any type of fraud as soon as it's discovered
Check your credit report for incorrect information at least once a year
Keep vital information documents in a lock box or safety deposit box
Review your monthly bank statements as soon as you receive them
Beware of surroundings when using an ATM. Examine the machine for any alterations
What NOT to do:
Give out financial information online or on the phone UNLESS you initiate the contact
Use a cell phone or cordless phone when giving out financial information
Fall for “free gift” scams that require you to provide personal information
Carry your Social Security Card in your purse or wallet
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