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Scams, Fraud & Security

FB&T is committed to helping our customers, friends, and families keep their identities and financial information safe.  Be assured that we are always staying aware and educating our employees of such emerging threats.  While we are doing our part here at the Bank, we want to offer you tools, tips, and information on ways you can protect your information at home and on the internet.  Please know that we are just a phone call, email, or in-person visit away and are always here to help.

Identity Theft

Immediate Steps for I.D. Theft Victims:

     1.  Place a fraud alert on your credit reports and review them for any unauthorized activity.
     2.  Close the accounts that you know, or believe, have been tampered with or opened fraudulently.
     3.  File a report with your local police or the police in the community where the identity theft took place.
     4.  File a complaint with the Federal Trade Commission.

Go to www.ftc.gov/idtheft for additional information, step-by-step instructions, and links to credit bureaus.  You may also call the FTC’s Identity Theft Hotline, toll-free at 1-877-IDTHEFT (1-877-438-4338); TTY 1-866-653-4261; or write to Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.



The Consumer Financial Protection Bureau gives consumers four steps they can take to determine if fraudulent charges or debits have been made on their accounts:

     1.  Check your accounts for unauthorized charges or debits and continue monitoring your accounts.
     2.  Report a suspicious charge or debit immediately.
     3.  Know when to ignore anyone contacting you to “verify” your account information by phone or email.

CFPB Issues Consumer Advisory on Industry’s Data Breach – January 27, 2014

Other Cybersecurity Links and Resources:



Card Cracking

Click here to learn more about Card Cracking

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Card Cracking Scenarios