Security Center

First Iowa State Bank is committed to helping you protect your financial information and identity. If you ever suspect fraudulent activity, do not hesitate to contact us.

Important Numbers

  • Keosauqua Office - 319-293-3794 or 888-226-5232
  • Bloomfield Office - 641-664-1362
  • Cantril Office - 319-397-2401
  • Equifax - 800-525-6285
  • Experian - 888-397-3742
  • Trans Union - 800-680-7289
  • Anytime Access Telephone Banking
    • Local - 319-293-6283
    • Toll Free - 888-202-1267

ID Theftcyber scout image

Safeguard Your Identity!

First Iowa State Bank has partnered with CYBER SCOUT®, America’s premier provider of identity management and data risk management services, to provide the most comprehensive identity management protection in the industry.

The following services are provided to all of our customers at no charge in the unfortunate event that your identity has been stolen or you suspect your identity has been compromised:

  • Step-by-Step Guidance through the identity resolution process if you are ever a victim of identity theft or fraud.
  • Document Replacement Help when identity documents such as Social Security card, birth certificates, passports, and driver’s licenses are lost, stolen or destroyed.
  • Protective Assistance whenever you suspect your identity has been compromised.
  • Online Educational Resources providing tips, information and steps to take to avoid becoming a victim of identity theft.
  • Fraud and Credit Monitoring if you have been the victim of identity theft and Credit Monitoring is deemed necessary.

Visit http://knowledgecenter.cyberscout.com/ for daily news alerts on the latest identity scams and access to a vast library of valuable resources, tips and information.

This web-based service monitors your credit report, sends alerts to warn subscribers of any changes, and enables quick, proactive action to minimize the damage. If you are interested in the Credit Monitoring service you must print out and complete the Credit Monitoring Services Agreement and fax it to us at 319-293-6151 or bring the agreement in to any one of our three branch offices. The price for this service is as follows:

  • $7.95 per month for one $15.00 per month for Joint (2 individuals)
  • $90.00 per year for one $170.00 per year for Joint (2 individuals)

If you have any questions about the CYBER SCOUT® services please give us a call at -319-293-3794 or 888-226-5232.

Fraud and Identity Theft Prevention Tips

A crucial step in preventing fraud is to learn the ways to protect yourselves and your card. We want to share with you some important safety measures.

  1. Place outgoing mail in Post Office mailboxes or at the local Post Office rather than in a home mailbox.
  2. Tear or shred receipts, bills, or account statements before throwing them away. This includes pre-screened credit card offers that, if thrown away intact, could be used to submit a false application. NOTE: to opt out of pre-screened credit card offers, call (888) 5-opt out (567-8688).
  3. Photocopy the card or record the information and store it in a safe, accessible place. If photocopying, copy the front and back of the card to capture both the card number and the phone number to report the card lost or stolen.
  4. If a card is lost or stolen or fraud is suspected, call and report that immediately using the SHAZAM toll-free interactive voice response system.
  5. If a wallet is lost or stolen and the Social Security number is compromised, call the three national credit-reporting agencies to place a fraud alert on the name and Social Security number. Taking this action prevents fraudulent applications from being approved. The numbers are: Equifax, 800-525-6285 Experian, 888-397-3742 Trans Union, 800-680-7289
  6. Order credit reports every year from the three national credit-reporting agencies (above), or you may order the reports on line at http://www.annualcreditreport.com. Review the reports for accuracy.
  7. Pay close attention to statements and their billing cycles. If a statement fails to show up on time, contact that organization. A missing bill or statement may indicate a perpetrator has stolen information.
  8. Review statements each month for unauthorized or fraudulent transactions.
  9. After receiving a reissued card, contact any companies with which recurring payments are established to notify them of the new expiration date.
  10. NEVER disclose an account number or other personal information unless initiating the call, transaction, or request. Avoid providing personal information using a cellular or cordless phone. Never respond to e-mail asking for personal information.
  11. Sign the back of the card. Failing to sign the card or writing ? See ID? in the signature panel could actually result in losses.
  12. Immediately report suspicious devices attached to ATMs or POS terminals.
  13. Report instances when a merchant offers to clean a card. It may be a ploy to capture the card data using an electronic device.
  14. Memorize the PIN. NEVER write it on the card or on anything carried with or near the card.
  15. Never reveal the PIN or loan the card to another person.
  16. When entering the PIN, block the view of others by standing between the terminal and the person waiting.
  17. Make sure the transaction is complete and obtain a receipt before leaving the merchant location.
  18. Shop online ONLY at secure Internet sites.

More information about Fraud and Identity Theft can be found at https://www.usa.gov/identity-theft

 

How to Protect Yourself Online

About scams and spoofs

Many financial institutions that do business on the Internet have become the target of fraudulent email and website scams. Every Internet user should know about these spoof (also called phishing or hoax) e-mails that appear to be from a well-known company but can put you at risk.

Even if you don't provide what they ask for, simply clicking the link could subject you to background installations of key logging software or viruses.

How to identify online fraud

It is difficult to distinguish if an email is legitimate. Scammers have become increasingly sophisticated in creating fraudulent emails and websites that look authentic. These emails and Websites often appear to be from legitimate companies and include images and logos of these organizations.

Characteristics of fraudulent emails and websites

Our bank will never send out an email requesting you to provide, update or confirm sensitive data.
Spoofs often have a sense of urgency telling clients that if they fail to update, verify or confirm their personal or account information, access to their accounts will be suspended.

Spoof emails typically ask for personal or account information such as:

  • Account numbers
  • Credit and check card numbers
  • Social Security Numbers
  • User IDs and passwords
  • Mother's maiden name
  • Date of birth
  • Other sensitive information

They often include links that include a legitimate company's name or website address. The fraudulent emails will disguise or forge the sender's email address so they appear to be from a legitimate company.

How to protect yourself from online fraud

  • Never provide personal or financial information to unsolicited email, phone or pop-up website requests.
  • Type the Website addresses (URL) into browsers instead of clicking on links in emails.
  • Change User IDs and passwords every 30 days.
  • Keep anti-virus and anti-spam filtering software on your computer up to date.

If you suspect an email to be a spoof

If you suspect that you've received a fraudulent email, please forward it to us immediately and then delete it from your inbox.

Our e-mail address is: onlinebanking@1stiowa.bank

 
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