Safeguarding your personal and
financial information is a responsibility taken seriously at Farmers and Miners
Bank. You should also remain vigilant against potential identity theft threats. Farmers and Miners Bank will never contact customers requesting
information about their Online Banking credentials. Please contact the Bank at
276-546-4692 if you believe you have been a victim of fraud related to your
Farmers and Miners Bank account(s) or you receive unusual calls or e-mails
claiming to be from Farmers and Miners Bank. This page provides suggestions to
help protect your personal information.
Identity theft can happen in may ways,
- Stealing your purse or wallet.
- Stealing information from your
mail box, such as bank statements or pre-approved credit card applications.
- Skimming or observing your
transactions at automated teller machines or store check out terminals to
capture your card information and/or personal identification number (PIN)
- Going through trash for credit
card receipts or loan applications.
- Phishing attempts to gain personal
information through e-mails, text messages, telephone, etc.
- Spyware that hackers use to
extract sensitive information from your computer.
Here are a few simple steps to help protect your
- Do not share your User ID or
Password with anyone. Farmers and Miners Bank employees will never need to
know your Password. Never furnish it to anyone claiming to represent the
- Never disclose personal
information to anyone who should not have access to your accounts, including
information such as: Social Security number, credit card numbers, bank
account numbers, or any personal identification numbers (PINs).
- Monitor you account activity
through Online Banking. You have direct access to your accounts and
transactions 24 hours a day.
- Review monthly financial
statements promptly and report any discrepancies immediately. Never ignore
suspicious charges on your statements.
- Retain all receipts from ATM,
debit and credit card transactions until they have been reconciled to your
- Do not print your driverís license
number or Social Security number on personal checks.
- Report lost or stolen checks or
bank cards immediately.
- Store new and cancelled checks in
a secure location.
- Memorize your personal
identification number (PIN).
- Destroy cards you no longer use,
making sure the numbers are not recognizable.
- Shred unnecessary financial
documents, including old bank statements.
- Question emails or phone inquiries
that appear to be suspicious.
- Never provide your financial
information to an unfamiliar website.
If you believe you have been a victim of fraud
related to your Farmers and Miners Bank account(s) or you receive unusual calls
or e-mails claiming to be from Farmers and Miners Bank, notify a Customer
Service Representative (CSR) at the Bank immediately by calling 276-546-4692.
Farmers and Miners Bank invests in the technology and processes to ensure that
we provide a secure environment for all of your financial transactions and
communications. However, protecting your identity and personal information is a
team effort. We recommend that you also take steps to shield yourself and your
computer from those who may try to obtain your personal information
electronically. Here are some steps you can take to protect yourself in an
- Create strong passwords, as they
are the essential first line of defense.
- Keep Online Banking credentials
secure and confidential.
- Be alert to suspicious e-mails.
Never open attachments, click on links, or respond to emails from suspicious
or unknown senders.
- Be cautious of phishing attempts
to gain you personal information.
- Keep your computer operating
system up-to-date with current security patches.
- Keep your web browser up-to-date.
- Install, run, and keep anti-virus
and other software updated.
- Implement firewall and intrusion
- Avoid downloading programs from
- Turn your computer off completely
when you are finished using it.
- Conduct Online Banking activities
on secure computers only. Due to shared use, public computers should be used
In addition to the steps listed above to protect your
personal information, here are a few web sites that may
also contain helpful information: