For more information, resources, and recent examples, we recommend you visit the below websites and consider registering for notifications about fraud, scams and security best practices.
As a consumer, you’ve surely seen the stories of identity theft, card fraud and scams that have saturated the news. In an effort to help you avoid becoming a fraud victim, we’re providing our Security Tips and Fraud Alerts page to educate you, our customers.
As part of an ongoing effort to highlight safe online banking strategies, the FDIC released two cybersecurity brochures aimed at consumers and business customers of financial institutions. The brochures include tips to help users protect and maintain their computer systems and data. We encourage customers to review the brochures.
West Suburban Bank takes great care to safeguard the security of your online banking and mobile banking transactions with us. As our customer, you can help further protect your online banking and mobile banking experience. You can protect your confidential information and prevent online fraud and identity theft by following the suggested guidelines below.
Online Banking Security Guidelines:
All Authorized Users should sign-off after every Service session; however, online sessions will automatically end after ten (10) minutes of inactivity. This is to protect you in case you accidentally leave your computer unattended after you log-in.
Passcode best practitces:
- Your Passcode should be hard to guess.
- Special characters may be used to increase security.
- Do Not use dictionary words. The Help link within the Service will offer tips on choosing a secure Passcode that you can remember.
- Keep your Passcode safe. Consider using a Password Management App or software application.
- Memorize your Passcode and do NOT write it down.
- You should also change your Passcode occasionally, such as every ninety (90) days.
- A Passcode should be changed immediately if you suspect that your Passcode has been compromised. This can be done at any time from the User Services menu after you log on to the Service.
- Do not store passcode(s) within electronic files that are stored in your computer nor other storage services such as Google Docs, Onedrive or other file-sharing services.
- The security of public computers (e.g. in a library, or Internet cafe) cannot be assured; therefore we recommend that you refrain from accessing the Service on a public computer.
- Know the networks you are connecting to. Public Wi-Fi networks (coffe shops, airports, malls, etc) may present additional risks.
- Routinely scan your computer, servers and electronic media using a reliable virus detection product. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit a virus to other computers.
- Use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem.
- Periodically update your computer operating system and browser for critical security related patches. We recommend use of the most current non-beta, fully patched, versions of Internet browsers for accessing the Service.
Mobile Banking Security Guidelines:
When using a mobile device to access your bank accounts via mobile banking, the following security precautions are recommended.
- Configure your phone to automatically lock after a short period of inactivity and require at least a six-digit code that is not easily guessed to unlock your phone.
- If your phone supports it, use a reliable virus detection product.
- Some mobile phone services can remotely erase all information on a phone if it is lost or stolen. This type of service is recommended in the event the mobile phone used for mobile banking is lost or stolen.
- Keep your mobile phone in a safe location.
- If you change your mobile phone number or your phone is lost/stolen, notify West Suburban Bank immediately.
- Frequently delete text messages received from us, especially if they contain account information.
- Do not modify the operating system on your mobile phone (i.e. “Jailbreak” or “Root” your phone). This activity can weaken the security of your mobile phone.
Downloading mBanking Apps
West Suburban Bank provides the mBanking App for Apple iOS smartphones and Android smartphones. We provide these Apps for your use by posting them for download within the following App Stores: iTunes, GooglePlay and Amazon. For your convenience the App Stores can be accessed by using the links on our mobile banking web page. These App Stores are the only sites where bank approved Apps are available. Any other websites where Apps appear to be representative of West Suburban Bank should not be used as a source for download. West Suburban Bank can be contacted at (630) 652-2000 for any questions regarding where to locate our approved App for your device.
iTunes, iPhone and iPad are registered trademarks of Apple Inc. iOS is registered trademark of Cisco in the U.S. and other countries and is used under license. © 2015 Google Inc. All rights reserved. Android™ and Google Play™ store are a trademark of Google Inc. Amazon Appstore, Kindle and fire are trademarks of Amazon.com, Inc. or its affiliates.
Some people like to shop online because of the convenience and others like the exclusive sales available only on the Web. Whatever the reason, we all have to take steps to protect ourselves and our financial information.
West Suburban Bank offers the following tips:
- If you’re not sure, don’t share. Anyone can set up a website these days so be sure you’re familiar with the retailer’s site before you give them any of your financial information. The Better Business Bureau has a list of about 70,000 safe websites. You can search websites at: www.bbb.org.
- Is the site secure? Look for the ‘s’ in https:// and a small padlock icon display within the website's address before entering any payment information.
- Know the terms of your purchase. Is the product returnable and if so, who pays the shipping fees? How long will the product take to ship? What does shipping cost? Read the fine print. If it’s not clear or you don’t agree, make the purchase elsewhere.
- Print & Save. Be sure to print and save the transaction receipt, the order number, a customer service phone number, and any other information you can just in case there’s a problem with your order.
- (TMI). Too Much Information. Don’t provide too much information to anyone on the Internet. If a website is asking for your bank account number, social security number or driver’s license number, don’t share it.
- Know your rights. If you suspect you are a victim of fraud, notify the financial institution involved, you can also contact the Federal Trade Commission at www.ftc.gov/complaint.
Here are just some of the common types of fraud you should be aware of:
Fraudsters use your everyday transactions, which usually reveal bits of your personal information: your bank and credit card account numbers; your income; your Social Security number (SSN); or your name, address, and phone numbers.
If you don't recognize the sender or are not expecting an email, don't click on it, delete it. Use caution with emails requesting information by asking you to click on a link. Fraudulent email often uses threatening language about freezing or terminating your account or asking for your full card number or PIN number. Don't fall for this trick. Never provide your personal, financial, or account information in response to an email request.
Skimming is a method used by thieves to capture data from the magnetic strip on the back of the ATM/Debit Card. Sometimes thieves will install a small, almost unnoticeable "skimmer" to the machine that can read the magnetic strip on a card. The device can also be rigged to "capture" your card, holding onto it instead of just reading it. Other times, workers in retail establishments may utilize a hand held skimmer.
This type of fraud primarily exists on the Internet. Phishing ("fishing" for your personal information) is conducted by an email, text message or phone call asking you to update or confirm their records by responding with your personal information, your account number, full card number, or PIN number.
Spoofing is the practice of setting up a website to make you believe you're on the site you normally use to conduct legitimate business. Once transmitted, your information is then used by the criminal for purchases and other illegal activity.
Text message phishing has also become a tool of the fraudsters. It works the same as email phishing; however a text message is received directing the consumer to call or respond to a purported bank phone number in order to obtain your account information.
Consumers and businesses should be wary of unsolicited e-mails purportedly from financial institutions recently in the news and take the following precautions:
- Do not follow Web links in unsolicited e-mails from apparent financial institutions. Instead, use Web browser bookmarks or type your institution's Web address into the browser address bar when accessing your bank's Web site or online banking services.
- Always use anti-virus software and ensure the virus signatures are automatically updated. Ensure the computer operating system and common software applications are up-to-date with security patches installed.
- Do not open unsolicited or unexpected e-mail attachments claiming to be from a financial institution because of the risk of malicious code or software. As a precaution, call the financial institution using an appropriate telephone number, such as one from an account statement, to validate the e-mail and attached file before opening any attachment.
- Be aware that phishing e-mails frequently use new and innovative ways to trick recipients into providing login credentials and confidential information or into unleashing malicious code.
- Regularly review financial account statements and immediately report any discrepancies to your institution.
- Be mindful that financial institutions generally deliver notices to consumers in writing about changes in account terms and conditions unless the consumer previously agreed to receive the notice electronically.
Again, West Suburban Bank will never ask you to enter personal or account information in an email, or download an attachment from an email. Also, we will never ask you to verify your account number and PIN by phone. Any unsolicited requests for account information you receive through emails or pop-up windows should not be considered a request from West Suburban Bank.
Phone Solicitation Scams:
Sometimes it doesn’t take intricate internet or software tools to perpetuate a fraud. The oldest form of fraud is through one-to-one conversation. Also known as Social Engineering or Pretext Calling, these classic scams include contacting a consumer who has the required information and posing as a customer service representative requesting information such as access ID’s or passcodes. Another phone scam consists of someone calling you and getting you to reveal the three-digit code on the back of your debit or credit card, known as a CVV code. That is all they need to make fraudulent purchases via the internet. They already have your card number, name, address and phone number.
Another threat is known as "Vishing". This is a combination of “voice” and “phishing,” which refers to the use of Voice over IP to launch attempts to separate unsuspecting customers from their personal information. The callers use social engineering techniques to prey upon consumers’ trust of telephone-based alerts from institutions. And because they are computer-based, the vishing attempts are difficult for legal authorities to monitor or trace. The customer is diverted to a fake call center, complete with a spoofed caller ID name appearing on the telephone's screen.
NOTE: WSB may at times call you to clarify information, such as a pending transactions request. If you receive such a call and are unsure if it is valid, please end the call and call our Customer Care Center at (630) 652-2000 to verify.
What can you personally do to protect your WSB cards and prevent fraud? The following list of proactive steps will help keep your personal and financial information secure:
- Check your bank statements immediately. You can catch unauthorized transactions early by verifying that all charges are yours.
- Never give your personal or account information to anyone claiming to be from Visa or West Suburban Bank unless you initiated the call. WSB will never solicit personal information through email, phone or the Internet.
- We will never ask you for your debit/credit card CVV number, the three digit number on the back of your card.
- Regularly check your account balance and transactions by utilizing our FREE Online Banking or Telebank services. Online Banking offers a notification feature that can email you based on a variety of conditions about your accounts, such as your balance being less than a designated amount.
- Contact us immediately if your card is lost, stolen, or you notice unusual activity on your account.
- Memorize your personal identification number (“PIN”) number. Do not use your birth date, address, phone number or social security number as your PIN. Never store your PIN with your card, and do not make it available to others.
- Use a separate login code or access id, along with unique passwords, for financial information websites, such as our Online Banking, from that used for news websites, social networking websites, etc.
By taking these precautions, you can help protect yourself from fraud.
Are you about to give out your personal information to someone else? Do you suspect you're about to be scammed? Ask yourself:
- Was the communication initiated by a 3rd party?
- Are you being asked for personal information: such as your name, address, social security number or date of birth?
- Are you being asked for account information: such as your account number, credit/debit card or CVV numbers, online user names, or passwords?
- Is the individual attempting to make the issue sound urgent or threatening?
While there is no way to protect yourself 100%, taking precautions and getting in the habit of asking yourself these questions can improve your chances of being safe from becoming a victim of fraud.
WSB and Visa are committed to protecting your accounts:
You get an extraordinary level of protection with West Suburban Bank’s security measures and Visa’s Zero Liability policy, which guarantees maximum protection against fraud.
Wherever you use your WSB Visa Credit or Debit Card, you can feel confident knowing that you’re protected.
How to Report Suspicious Activity To Us:
To report suspicious email, web page, or phone call, forward information about the incident to firstname.lastname@example.org
Sometimes preventing fraud is out of your control.
When information is stolen from a retailer, the most you can do is to review your credit & debit card statements for any activity that you do not recognize as your own and if you find purchases or charges that are not yours, report them to your financial institution as soon as possible.
When we are notified of these cases by Visa, we immediately initiate protective steps to ensure that your exposure is limited by replacing your card to protect you from any fraudulent activity.
The best thing you can do if you have been the victim of Identity Theft is to visit the Federal Trade Commission website or call 1-877-ID-THEFT, the FTC's toll-free Identity Theft hot line. The following are a few of the tips stated:
- Obtain a copy of your credit report from each of the three agencies through AnnualCreditReport.com. You may want to space your reports out over the year so you are able to see any issues that may arise quicker.
- Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified to place fraud alerts, and all three credit reports will be sent to you free of charge.
- Close the accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit when disputing new unauthorized accounts.
- File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
- File your complaint with the FTC. The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps us learn more about identity theft and the problems victims are having so that we can better assist you.
- For residents of Illinois, there is a hot line designed to provide immediate counseling to victims of identity theft.
The hot line number is (866) 999-5630.
- Both the Federal Trade Commission and the FDIC websites have good information on scams and how to protect yourself. Another excellent website is OnGuardOnline.gov.
Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.