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ID THEFT & OTHER EDUCATIONAL RESOURCES

Fraudulent Text Alert

There has been a recent uptick in fraudulent text messages that claim they are from RVR Bank. We are doing all that we can to spread the word to prevent loss for our clients. Please keep the following in mind to protect your assets. If you have clicked a link in a text and shared your banking credentials, review the following so that you know what to do next.

Q: How does the Scammer know that I bank at RVR Bank?
A: They don’t. Scammers send out mass text messages hoping someone will click. If you don’t bank with us, you’ll likely ignore it. But if you do, it might catch your attention. Remember: Think twice, click zero times!

Q: What if I clicked the link?
A: Don’t enter any information. Close the browser window and delete the text immediately.

Q: What if I entered my banking info (user name and password)?
A: Call us right away at 402.721.2500. We’ll help you secure your account.

Q: What do scammers want?
A: They aim to steal your online banking login to transfer your money.

Q: How is RVR Bank protecting clients?
A: The beauty of a community bank is that we know our customers. We have been taking back-to-back calls all day and are watching our outgoing transfer system like a hawk. We are here to protect our clients. We are monitoring outgoing transfer requests and will work diligently to make sure that only legit funds are released.

Q: Are other banks having similar issues?
A: Yes, it’s a widespread problem. Stay vigilant, protect your information, and help spread awareness.

Remember: NEVER click on links in suspicious texts. Always access your bank account directly through the official website.

Let’s work together to stop these scams.

Scam Alert

The Fremont community has been the target of a recent scam phishing for personal information such as debit card numbers and PINs. Do not respond to any unsolicited emails, text messages, or automated phone calls. If you have responded and given out your debit card information, call us immediately at 402-721-2500.

Always guard your personal information and never respond to unsolicited communications, especially from third parties. RVR Bank will never contact you via text message or automated call to ask for such information. Additionally, RVR Bank does not share your contact information with a third party without your consent. Click here to see the Privacy Policy for RVR Bank.

Consumer Alert: Don’t Fall Victim to Online Scams

Your security is important to us. Here at RVR Bank we want to provide tools and resources to help prevent identity theft and educate you on security.

If you believe that you have experienced identity theft or account take over please contact us.

What is “Phishing?”

Phishing (FISHing) is a high-tech scam that uses spam or pop-up messages to attempt to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, and/or other sensitive information.

Example Citations

Phishing is the term coined by hackers who imitate legitimate companies in e-mails to entice people to share passwords or credit card numbers.

What is “Spoofing?”

Pretending to be something it is not, on the Internet, usually an e-mail or a Web site.

How to report Phishing:

We suggest reporting phishing e-mails or spoofed Web sites to the following groups:

Forward the e-mail to reportphishing@antiphishing.org.
Forward the e-mail to the Federal Trade Commission at spam@uce.gov.
Forward the e-mail to the “abuse” e-mail address at the company that is being spoofed (e.g., spoof@ebay.com).
When forwarding spoofed messages, always include the entire original e-mail with its original header information intact.
Notify the Internet Crime Complaint Center of the FBI by filing a complaint on their Web site: www.ic3.gov.

Recommended Actions if You’ve Become a Victim of a Phishing Scam

If You Have Given Out Your Credit, Debit, or ATM Card Information

Report the incident to the card issuer as quickly as possible.
Report using toll-free numbers and 24-hour service that many companies have established to deal with such emergencies.
Request your card issuer close your compromised account number and reissue you a new card with a different number.
Monitor your account activity and review account statements carefully after the information loss.
If any unauthorized charges appear, call the card issuer immediately and follow up with a hard copy letter via a traditional delivery service such as the U.S. Postal Service (keep a copy for yourself) describing each questionable charge.

Credit Card Loss or Fraudulent Charges

Your maximum liability under federal law for unauthorized use of your credit card is generally $50. However, that $50 potential liability probably does not apply for unauthorized telephone and Internet transactions because there is “no means to identify the cardholder” in those cases.

ATM or Debit Card Loss or Fraudulent Transfers

Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss.
You risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you for transactions made after that 60-day period.

If You Have Given Out Your Bank Account Information

Report the theft of this information to the bank as quickly as possible.
Request your bank close the compromised account and re-open a like account with a different number.

If You Have Downloaded a Virus or “Trojan Horse”

Some phishing attacks use viruses and/or “Trojan Horses” to install programs called “key loggers” on your computer. These programs capture and send out any information that you type to the phisher, including credit card numbers, user names and passwords, Social Security numbers, etc. If this happens, it’s likely you may not be aware of it until you notice unusual transactions on your account.

To Minimize This Risk, You Should:

Install and/or update anti-virus and personal firewall software.
Update all virus definitions and run a full scan.
If your system appears to have been compromised, repair it and then change your password again, since you may well have transmitted the new one to the hacker.
Check your other accounts! The fraudsters may have helped themselves to many different accounts: eBay account, PayPal, your e-mail ISP, online bank accounts, online trading accounts and other e-commerce accounts, and everything else for which you use online passwords.

If you have given out your personal identification information

If you believe you have given out personal information such as your name, address, and Social Security number to someone who may use it for fraud:

Contact the three major credit reporting agencies -Experian, Equifax and TransUnion and do the following:

Request that the agencies place a fraud alert and a victim’s statement in your file.
Request a free copy of your credit report to check whether any accounts were opened without your consent.
Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft.

Major Credit Bureaus

Equifax

www.equifax.com

To order your report, call: 800-685-1111 or write: P.O. Box 740241, Atlanta, GA 30374-0241.
To report fraud, call: 800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241.
Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

Experian

www.experian.com

To order your report, call: 888-EXPERIAN (397-3742) or write: P.O. Box 2002, Allen, TX 75013.
To report fraud, call: 888-EXPERIAN (397-3742) and write: EO. Box 9530, Allen, TX 75013. TDD: 1-800-972-0322.

Trans Union

www.transunion.com

To order your report, call: 800-888-4213 or write: P.O. Box 1000, Chester, PA 19022.
To report fraud, call: 800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634; TDD: 1-877-553-7803.

Additional Actions to Take

If bank accounts were set up without your consent, close them.
Contact your local police department to file a criminal report.
Contact the Social Security Administration’s Fraud Hotline to report the unauthorized use of your personal identification information.
Notify the Department of Motor Vehicles of your identity theft.
Check to see whether an unauthorized driver’s license number has been issued in your name.
Notify the passport office to be on the lookout for anyone ordering a passport in your name.
File a complaint with the Federal Trade Commission. Ask for a free copy of “ID Theft: When Bad Things Happen in Your Good Name,” a guide that will help you guard against and recover from your theft -and guard against it in the future.
File a complaint with the Internet Crime Complaint Center (IC3) by visiting their Web site: www.ic3.gov. IC3 is a partnership between the Federal Bureau of Investigation (FBI) and the National White Collar Crime Center (NW3C), with a mission to address fraud committed over the Internet. For victims of Internet fraud, the Center provides a convenient and easy-to-use reporting mechanism that alerts authorities of a suspected criminal or civil violation.
Document the names and phone numbers of everyone you speak to regarding the incident. Follow up your phone calls with letters. Keep copies of all correspondence.

Identify Theft Resources

http://www.FTC.gov
http://www.USA.gov
http://www.usdoj.gov/criminal/fraud/websites/idtheft.html
http://www.ic3.gov

How to Practice Safe Computing

The number and sophistication of phishing and spoofing scams sent out to consumers is continuing to increase dramatically. While online banking is widely considered to be as safe as or safer than in-branch or ATM banking, as a general rule you should be careful about giving out your personal financial information over the Internet. Remember, no reputable financial institution will ever request your personal information via e-mail.

Here is a list of recommendations to follow in order to avoid becoming a victim of scams: