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Phishing Samples

(Please note: These are not valid email messages, but are instead examples of phishing email)

From: xxxxxxxxx
Sent: xxxxxxx
To: xxxxxxxx
Subject: Fwd: Re: Wire Transfer
Dear Bank Account Operator

WIRE TRANSACTION: FWD-9518293422082688
Please Review your transaction as soon as possible.

From: xxxxxxxxx 
Sent: xxxxxxx
To: xxxxxxxx
Subject: Onlinebanking Alerts: Account Locked

Account Alert: Account Locked

Dear Valued Customer
We're writing to let you know that your xxxxxxxx account is temporarily locked.
You've reached the maximum number of attempts to answer your SiteKey challenge questions correctly. For your protection, we have locked your account.
We are sorry to inform you that your online account has been temporarily locked after too many unsuccessful login attempts was made. This is most likely an attempt to gain unauthorized access to your account and/or personal information.
To unlock your account, Please download the above attached form on this mail to restore your xxxxxxxx Access.

From: xxxxxxxxx 
Sent: xxxxxxx
To: xxxxxxxx

Subject: EWay Order is now Pending Your Approval.

EWay Order #949218252 is now Pending Your Approval.

Originated for Account: #647028935
Originated by User: by you or any other person
Order Total: $2,599.98
Approval Reason: The order requires final approval
Click on the reference below to review the order.

From: xxxxxxxxx 
Sent: xxxxxxx
To: xxxxxxxx
Subject: Thank You for your Verizon Wireless Payment

Thank you for your payment
Your bill payment has been applied to your Verizon Wireless account.

Here are the details of your payment confirmation.

Payment Amount: $1803.20

Payment Method: Master Card

Manage Your Account Online

View Terms & Conditions

Verizon Wireless | One Verizon Way | Basking Ridge, NJ 07920-1097

If you are not the intended recipient and feel you have received this email in error, or if you just would like to update your notification preferences, please click here

To review our Privacy Policy, click here.

From: xxxxxxxx
To:  xxxxxxxx
Subject: Immediate Transfer accepted 
Importance: High 
We have successfully complete the following operation: 
Item #: 71095990 
Amount: $18,888.51 
To:  xxxxxxxx
Fee: 25.00 
Send on Date: 10/16/2012 
Service: Same Day Wire 
If there is any issues with processing your query we would notify you both by email and on the Manage tab
You can always check your transfer status right now
 Best Regards, 
Federal Reserve Bank Notifications system 

From: xxxxxxxxx
To: xxxxxxxx
Subject: NetTeller Watch Notice

The following ACH batch has been initiated:
Confirmation number: 0453658373
Effective Date: 10/16/12
Debits: $.00 Credits: $40,442.33
Class Code: PPD
Offset Account: CHECKING

For details, please log in to your NetTeller account. Click here to access NetTeller account

NOTE: Some web browsers do not open a new window when the above link is clicked. If you find that a new window did not open, please check the other open browsers on your computer.

This was the link the email was referencing to:
http: // badlinkhere

(Please note: These are not valid text messages, but are instead examples of smishing texts)

Text Message from 1919607xxxx
MASTERCARD ALERT: Your CARD starting with 5110 has been DEACTIVATED.  Please contact us at 361-400-xxxx.

Text Message from 1714498xxxx
Congratulations you have just won a $1000 Walmart Gift Card.  Click here to claim your gift. www. MYWmartdealxxxxx .com Cancel: reply STOP

Text message from 1361537xxxx
Credit Union Fraud Alert.  Your Card was deactivated.  Please call 361-400-xxxx


Text message from 1210xxxxxx
Your entry last month has Won!! Goto www. bestbuydrawxxxxx .com and enter your winning code: 5555 to claim your Free $1000 BestBuy Gift card.

First Community Bank Notices

Click the icon or link to download a form below

pdf icon Privacy Policy Notice 
 pdf icon ATM Security Notice
 pdf icon Community Reinvestment Act Notice 
pdf icon  General Funds Availability Policy Notice 
pdf icon  Disclosure Statement of Financial Condition
 pdf icon  Consumer Complaint Notices (English)(Spanish)

Financial Calculators



Online Calculators

Mortgage Loan Calculator (PITI) Use this calculator to determine your monthly mortgage principal, interest, taxes and insurance payment (PITI) and amortization schedule.
Amortizing Loan Calculator Enter your desired payment - and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!
Auto Loans Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Roth vs. Traditional IRA Use this calculator to determine which IRA may be right for you.
Checkbook Balancer Balance your checkbook with this quick and easy calculator.


Financial Resources Links

Do you know about Phishing and other Internet Scams?

For some examples of phishing and smishing messages, click here.

Phishing scams are email messages or websites that claim to be legitimate business; however, they attempt to steal your personal and confidential information. If successful, the information obtained will later be used for identity theft. In identity theft cases, the attacker often uses your identity to make fraudulent and/or criminal acts in your name. Typically, an email directs a person to visit a website where they are asked to update their personal information, such as passwords, credit card, social security, and bank account numbers. However, the website is set up only to steal the person’s information. First Community Bank will never send an email requesting your private information.

Some Do’s and Don’ts on Phishing:

  • Do use anti-virus and anti-spyware software and a firewall. Also, keep them up to date.
  • Do review credit card and bank account statements as soon as you receive them to check for unauthorized charges.
  • Do be cautious about opening any attachment or downloading any files from emails you receive, regardless of who sent them. Sometimes, an email may appear to be from a friend or family member, but it is not.
  • Don’t reply to suspicious email messages.
  • Don’t click on the link in the message, either. When in doubt, open up a new internet browser window and type in the valid website address directly and never use any links included in emails.
  • Don’t email personal or financial information.

First Community Bank will never ask you for the following information through email:

(or by phone if a person calls you claiming they represent First Community Bank):
  • Your Social Security Number
  • Credit and Debit Card Numbers
  • PIN numbers or Bank Account numbers
  • Your Full Name
  • Driver’s License Number
  • Your Password

Social engineering is a method used to trick a person into believing that they are someone who they are not. The goal is the same as the phishing scams – to steal your personal and confidential information. Typically, time is of the essence and the person on the other line will try and get you to do something immediately (scare tactic), when in doubt, please contact and visit the bank directly.

Again, if you receive a call from a person representing First Community Bank, please note that we will never ask you for this information.

Elderly Fraud:

  • Thefts, Internet Scams such as Fee’s and Investment Scams, Charity Scams, Account Take Overs, Travelers and Home Repair Scams.
  • Fees Scams – (Example: Lagos Letter) – Letters with counterfeit checks come in the mail and request to share your bank account in return you retain part of the money for your service and time.
  • Lottery Checks – Typically a foreign lottery check for less than $5k (counterfeit) that requests part of the proceeds to be returned to the lottery agency for fees rendered.
  • Investment Scams – Typically come from call centers that promise high returns in a short amount of time. Caller usually requests to draft directly from your banking account.
  • Charity Scams – Collecting money door to door in neighborhood, most times will request a personal check to obtain bank account information and want to gain entry into your house to look around.
  • Over Payment Scams – Someone will buy your item from Craigslist/Ebay type site and send you a counterfeit check/Official Check that is over the agreed upon price (typically 50%). Then the purchaser will state they made a mistake on your item and request you remit the difference via a Money Service Company.
  • Affinity Theory – Trusting someone just because they are in your inner circle our posing to be in your inner circle. Always do your own research do not rely on word of mouth.

You may forward spam, phishing, and unwanted messages to This email address is being protected from spambots. You need JavaScript enabled to view it. . You may also forward it to the company, bank, or organization impersonated in the email.

If you believe that you’ve been scammed, or someone has attempted to scam you, file your complaint at Then, visit the FTC’s Identity Theft website at

Interesting Internet security tidbits and other info:

  • 60% of new malware is Banking Trojans
  • 200,000 New Malicious Variants a Day.
  • 286 million malicious programs were created in 2010
  • 49 % of top search sites hits leads to malicious code(Search Engine poisoning)
  • Profile Info from Social Networking sites can be used against you. Poisonous links within Social Networking sites are rampant.
  • Man-in-the-browser(MITB) – Allows perpetrators to install a Trojan horse that could allow them to modify your web transactions in real time.
  • Keystroke Logging – action of tracking the keys struck on your keyboard without your knowledge. Can you be used in context with MITB.
  • Smishing(SMiShing) – phishing that uses SMS/MMS(text messages) to trick users into divulging personal information.
  • Zeus (Banking Trojan Horse) – First identified in 2007, specific Trojan/malware that is aimed at stealing/gaining access to banking information.
  • RansomWare (Example: CryptoLocker) – Encrypts data on your hardrive to where you can no longer access it without the private encryption key that you have to pay for(a ransom). Extremely difficult to repair, keep backed up files somewhere off of your pc.
  • Jail-Breaking/Rooting – allows users of tablets/smartphones to gain root (admin) access to their mobile device. First Community Bank does not recommend and would strongly discourage any user from doing this to their mobile device.
  • Keep Java, Adobe and other applications patched and up-to-date.

Other Links Of Interest:



Who can I talk to at First Community Bank?

Feel free to call any of your local bank locations because we are here for YOU
Main Bank number is (361) 888-9310 or Email Us

The President of First Community is Wes Hoskins, (361) 888-9310.

What can I do with Online Banking?

  • Check current balances on personal checking, savings, money market, loans, Certificates of Deposit (CD), and business checking.
  • Transfer funds between your checking and savings accounts.

  • View up to 180 days of account activity for your checking and savings accounts.

  • Nickname your accounts with pseudo names for a more personalized, quick and easy reference.

  • Download your posted transaction information to financial management software such as Microsoft Money.

  • Pay virtually anyone online you can write a check to -- your dentist, electric company, etc.

Is Online Banking real time?

Yes, as soon as you make a deposit or payment at any of our locations you will see the transaction online.

If I have both personal and business accounts, can I view them together?

When you sign up for Online Banking, you will receive a unique ID number. Your accounts will be linked to that ID. If you are a sole proprietor, you can link a business economy checking account with a personal account using the same ID number.

What is Bill Pay?

Bill Pay is a service of our Online Banking that allows you to pay your bills online. You can pretty much pay anyone, anytime, anywhere in the United States. Making payments online is one of the most economical and efficient features of Online Banking. It saves you time by not having to write checks, make trips to the mailbox, or go to the post office. You'll even save the cost of stamps!

Debit Card Issues
Fraud Protection

First Community Bank is watching your ATM and debit card transactions, and will notify you through our Fraud Center if there is any unusual activity.
If you notice any unusual activity, we encourage you to call (361)888-3777 which will direct you to our Fraud Center. (If you are calling after hours, select ‘Option 2.’)

Blocked Transactions

For your protection, we have blocked  transactions in the following areas where multiple accounts of fraud are detected:
  • New York
  • North Carolina

  • Ohio
  • International

If you are traveling or purchasing items online from businesses located in these areas, please call us at (361)888-9310 so we can allow a temporary block.  After payment, transactions in these areas will continue being blocked.

Lost Debit Cards

If you have lost or misplaced your debit card, call your bank location or (361)888-9310. (If you are calling after banking hours, please follow the instructions on the recording.)

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