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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 http://www.ftc.gov. Then, visit the FTC’s Identity Theft website at http://www.idtheft.gov.

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:

 

Click for the BBB Business Review of this Banks in Corpus Christi TX