Safe electronic banking involves making good choices - decisions that may help you avoid costly surprises or even scams. The following information and tips can help keep your personal information private and secure.
To avoid unauthorized use, you should not share your User ID's, passwords or personal identification numbers (PIN's) with anyone. Also, unless you use a secure site, you should avoid saving your passwords online. Listed below are some helpful tips and suggestions for creating a secure online password:
These tips will help you keep your personal information safe:
When using your Debit Card, please remember:
To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when your U.S. –issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. If we suspect fraudulent use, we call you to validate the transaction(s). Your participation in responding to our call is critical to prevent potential risk and avoid restrictions that we may place on the use of your card.
Our automated call will ask you to verify recent transaction activity on your card, which you will be able to do via your touchtone keypad. If you prefer not to use the automated call system, take note of your case # and then call our fraud center at 877-253-8964.
Additionally, foreign transactions may be restricted due to the high risk of potential fraud. Fraud risks are monitored on a daily basis and countries are blocked accordingly. Please contact your local branch for more information.
Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times. In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.
If you believe your card has been lost or stolen:
Please note: A new card will not automatically be reissued. You will need to apply for a new card by coming in to one of our branches or calling us at (570) 421-0531 (outside the area, call toll-free (800) 439-0715) to request that an application be mailed to you.
It is important that you log off after you have completed your online banking session. Also, you should regularly check your account for accuracy and contact us with any questions.
eStatements are available through our iBank@ESSA online banking tool. eStatements provide greater account and identity protection than typical printed/mailed statements that can be stolen from mailboxes. View more information on eStatements.
Identity thieves use various scams to obtain personal identification information such as account numbers, social security numbers, or PIN numbers.
We want you to know that if ESSA Bank & Trust contacts you, we will never ask you via voice mail, text message, or email to provide any personal information, password, account number, or debit card/ATM card number. Additionally, ESSA will not contact you beyond the hours of 8AM to 9PM. If you receive a suspicious phone call or email, do not provide any information. If you have a question concerning any message you receive, please call us at (570) 421-0531 (out of the area, call toll-free (800) 439-0715) or stop in any of our branch locations.
Identity theft occurs when your personal information (your name, Social Security Number, credit card number, etc.) is used without your permission to commit fraud or other crimes.
The Federal Trade Commission (FTC) has a clear message when it comes to identity theft: Deter, Detect, Defend. You can find information on their website at: https://www.ftc.gov/news-events/press-releases/2010/10/during-national-protect-your-identity-week-learn-how-deter-detect
The FTC also publishes a complete guide to dealing with identity theft. You can download the pdf version at: http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt04.pdf
Filing a complaint with the FTC is one of several important steps that victims of identity theft should take. If you believe you are a victim of identity theft you can file a complaint at: https://www.ftc.gov/news-events/media-resources/identity-theft-and-data-security/filing-complaint
Do you think identity theft only affects consumers? Think again. Thieves are targeting businesses and organizations like yours for quick and easy profit, with devastating consequences. It is a serious risk and you need to know the facts before your business or organization becomes the next victim. The new epidemic of identity crimes targets businesses and organizations.
For links to valuable information visit this website: www.businessidtheft.org
iBank is Safe and Secure – The system features a multifactor controlled entry which includes Logon ID, Password and an additional level of user authentication. Users are required to choose a Access ID and password at their first sign on to iBank. You will also be required to select a set of 3 security challenge questions and provide answers for each question. Every time you enter your Access ID to our secure site, our system analyzes the way you are currently accessing our site and compares this with information stored from your previous logons. If it is determined your current access method is different, for example you are logging on from a new computer for the first time, you will be required to answer a challenge question.
Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a VeriSign-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.