Consumer Alerts

Consumer Alerts Fidelity Savings takes to privacy and security of our customer’s information very seriously.  We have implemented a real-time approach to contacting you to possible fraud on your account.  Please be advised that you will receive an automated call from the EnFact notification center whenever a questionable transaction occurs on your debit card. Any unusual activity such as transactions made outside of our area and/or transactions that seem doubtful will activate this call. The message will begin by stating “This is the fraud detection center calling to verify recent transactions on your Fidelity Savings ATM debit card account”.  You will then be asked to follow three simple prompts. The ONLY information you will be asked to give is your 5-digit mailing ZIP code. You will NEVER be asked for your Social Security number or account number. If the transaction was not authorized, you will then be connected to a representative who will assist you. Please know it is always Fidelity Savings’ intention to do everything possible to safeguard your account and information. If you have any questions, please feel free to contact our Deposit Services Department at 215-788-0448 during our regular business hours (8:30 am – 5:00 pm Monday through Friday).

RECENT MERCHANT DATA BREACHES:

Recently, there have been many reports of data breaches on the news.  Fidelity Savings would like to assure our customers that we are extremely proactive in protecting your account(s).  Once notified of the breach, we immediately notify all pertinent card holders and when necessary, replace the card.  Once the card has been identified through a Visa investigation, a new card is shipped to our card holder.

Please be assured that Fidelity Savings will act quickly to protect your account. In addition, we have enabled our third party processor to call our customers directly when fraud is suspected. This is an automated system that will not require an entry of your non-public private information; such as a social security number or Personal Identification Number (PIN). You will be asked to enter your zip code and will have the option to select a representative to speak with. You may also call our Deposit Services Department at 215-788-0448.

SPECIAL ALERT:

Fraud and Identity Theft

Fraud and identify theft continue to be of concern to everyone. You can be the best line of defense against fraud and identity theft, and you can find additional information on the matter at www.consumer.gov/idtheft. This is the US government’s central Web site for information about identity theft. “Phishing” Scams:

 “Phishing” refers to criminal activity that attempts to fraudulently obtain sensitive information, such as social security number, driver’s license, credit card information, or bank account information through deceptive use of electronic communication. This may also be attempted with a telephone call from a “spoofed” telephone number.

One identified method used by scam artists is to first send a benign email and then follow up with a phishing email that often contains a malicious link. Cyber-criminals have typically used emails to launch this type of attack, but with the widespread use of social media networks and smartphones with internet access, the types of attacks are increasing. Education is the first line of defense against phishing scams. The following tips and resources can help in this learning process:

  • Do not to respond to any email that directs them to update their personal information by telephone.  Use the customer service number on the back of your card exclusively.
  • Never provide sensitive information to persons to whom you did not initiate contact.
  •  Visit our website directly by carefully typing www.fidelitysavingsonline.com. Please do not click on links received in emails or text messages and do not open or reply to spam emails.
  • Remember the importance of having strong antivirus and anti-spam software; as this may help to detect, block, or disable some malicious software and phishing emails.
  • Be mindful of the security level of the websites requesting personal data, financial or otherwise. The web address should start with “https://” (“s” for security) rather than the usual http://.
  • Fidelity Savings’ staff will be able to assist you with any concerns when you call our office. When we call you, you can expect that the caller is working within one of our three offices.  We only utilize one third party to call our Visa debit card holders.  This service will not ask for your social security number; you will be asked to provide the zip code for your card and may be asked to confirm prior transactions completed with your card, in the event of possible debit card fraud.
  • If a phishing email references a telephone number that you suspect to be related to a VoIP (voice over internet protocol) scam, please report the number to your local federal law enforcement agency. Most agencies now have cyber threat units that are well-versed in investigating these claims.  Also report any telephone scam calls.

FDIC Consumer Education January 26, 2006 – A new FDIC on-line tool was released to help educate consumers how to better protect their computers and themselves from identity theft, and steps to take if they have been victimized. The presentation: Don’t Be an On-Line Victim: How to Guard Against Internet Thieves and Electronic Scams is on the FDIC’s website.


BANKING DEPARTMENT URGES CAUTION WHEN CASHING CASHIER’S CHECKS FROM PEOPLE YOU DON’T KNOW

There have been an increasing number of Pennsylvanians reporting that they are being defrauded by counterfeit cashier’s checks. In general, the fraud unfolds like this: A consumer is part of a fairly large financial transaction with someone who generally says that they live outside of the United States. The types of transactions that have been reported include payments for large items purchased through online auctions, deposits for apartments, and fees for nanny services, for example. The so-called “buyer” sends an official-looking cashier’s check to pay for the service. The consumer, then, takes the check to the bank and cashes it. There are two ways the scam can unfold: In the first, the buyer sends a check for well over the amount of the purchase (with some excuse about why) and asks the consumer to immediately refund the difference once they’ve cashed the check. In the second, the buyer waits a day or two (but only a very short time) and makes some excuse for canceling the transaction and asks the consumer to wire all of the money back. A similar scam suggests that the consumer has “won” a lottery or other prize but must send some of the proceeds of the check back for some specific reason, like processing or taxes. The counterfeit cashier’s checks are such good reproductions that they’re difficult to spot, even by experienced financial professionals. Despite the fact that the consumer’s bank cashes the check, it will not be honored when the bank presents it to the “issuing” institution for payment. The bank then requires the consumer to return the funds. The problem is that by the time the fraudulent check works its way through the banking system (which can sometimes take more than 30 days), the con-artist has already taken the consumer’s money. You can protect yourself by:

  • Understanding that when cashing a cashier’s check, even though the bank has provided you with the money, you are responsible for the funds until your bank has received the proceeds from the institution which originally issued the check
  • Being cautious of transactions with people you don’t know who purchase items via cashier’s check
  • Avoiding any situation where someone pays more than the purchase price of an item and demands that the extra money be returned
  • Being suspect of any cashier’s check that just shows up in the mail, especially if it has a “congratulations” letter attached
  • Holding any funds provided by cashier’s check from someone you don’t know for 30-45 days before using those funds, especially when you have any sense that the transaction is out of the ordinary.

If you believe that you have been the victim of this type of scam, please call the Pennsylvania Attorney General’s office at 800-441-2555, the U.S. Secret Service at 202-406-5850 or the Pennsylvania Department of Banking at 800-PABANKS.


Special Alert: Fraudulent Anti-Terrorist Stop Order Letters

These letters are being sent to bank customers. Copies of these ANTI-TERRORIST letters have been received by FinCEN that notify consumers that mandatory fees, in amounts of approximately $25,000, are required for the issuance of an ANTI-TERRORIST CERTIFICATE before transactions may continue to be conducted. These letters were NOT sent by FinCEN and represent a fraudulent attempt to elicit funds from customers. Please see FinCEN’s Website to see an example of one of these letters. Consumers should NOT provide any information nor send any funds, to any address as indicated in these letters. Further, consumers should NOT follow any instructions contained in these letters to access their accounts on-line. Further, there are instances in which other letters are being circulated which claim that FinCEN is freezing assets and endorsing investment schemes. FinCEN does NOT have authority to freeze assets and does NOT endorse investment schemes. FinCEN is working closely with law enforcement agencies to identify the source of these letters and disrupt these scams. Until this is accomplished, if consumers receive any letters such as these (Samples – hyperlink), or experience any similar attempts to obtain account information or funds, they are requested to notify FinCEN at webmaster@fincen.treas.gov.

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