taking preventative measures
keeping your bank account secure

fraud prevention

MainStreet Bank wants to help you protect your privacy and to be aware of methods criminals use to obtain information fraudulently. This knowledge can allow you to protect your information more closely and ensure that you only release your personal information to individuals or businesses that have a valid reason to obtain the information requested. MainStreet Bank will not solicit personal or account information by e-mail, phone or through the Internet.

If you believe that you may have been a victim of identity theft or any other fraudulent scam, please contact MainStreet Bank at connect@mstreetbank.com or by phone at 703-481-4567.

identity theft

Minimize the possibility of becoming an identity theft victim

  • Take time annually to review your credit report and ensure that nothing unexpected is in your credit file.
  • If you use checks to pay bills or make purchases, make sure that you do not have your social security number or driver’s license number pre-printed on your checks.
  • Do not use your social security number as your driver’s license number.
  • Never give out personal information by telephone or on the Internet unless you are the person initiating the transaction or conversation.
  • After you have verified information on receipts and you know you will not need them in the future, destroy them. Any unsolicited credit card offers and cash advance checks that you receive in the mail should also be immediately destroyed if you will not be using them.
  • Check your mail daily. If you are unable to remove the mail from a mailbox daily, arrange to have this done by a trusted friend or family member.

Unfortunately, it is nearly impossible to completely eliminate the risks associated with identity theft, but being proactive in protecting your information is your best defense against this crime.

SCAM ALERTS

New methods to fraudulently obtain information occur frequently. The Federal Government takes this very seriously and works to educate the public to be aware of these scams. Information regarding those scams can be found at the Federal Bureau of Investigation’s (FBI’s) Web site or on the Federal Trade Commission’s (FTC’s) Web site.

Some of the scams that can compromise sensitive financial information are outlined below. Although this may not be a complete list of scams perpetrated on innocent consumers, these are scams that can adversely impact safety and security of information and finances.

PHISHING

Phishing scams are generally fraudulent Web sites and “spoofed” (copied) e-mails that have duplicated a trusted brand image. This unauthorized spoof can be used to deliberately mislead a consumer into releasing sensitive personal information like a bank account number, credit card number or social security number. Attempts to gather this information by telephone can also occur where someone poses as a representative of “your bank” or “your credit card company.” If the bank or credit card company calls and leaves a message to return a call to a specific phone number, only return the call to the numbers listed on the bank or credit card information you have received or to a number you are familiar with. In phishing schemes, a message may be left for a ‘customer’ but the return call could be to an unscrupulous party. The purpose of this return call may be to verbally confirm information or obtain personal information. This information should not be shared unless you, as the customer, initiated the call.

How to minimize the risk of being a victim of a phishing scam

  • If you are not sure of an e-mail address, do not follow links that may be included in the request.
  • Do not complete e-mailed forms that request personal information unless you have initiated the request.
  • Regularly review your account statements and verify that any activity was authorized or performed by you, the owner.
  • Use an abundance of caution responding to any e-mails marked as “urgent” or “immediate response required.”
  • Update your browser regularly with security patches and install a firewall and anti-spyware program on your computer to help protect against unsolicited messages.
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skimming

You acknowledge and agree that the software used by us in the operation of this Site, and the copyright, patent, trademark, trade secret and all other proprietary rights in and to the technology, designs, graphics, marks and software used by us for this Site and the Services, are proprietary to us and our licensors. As such, you will not gain any ownership or other right, title or interest in or to them by reason of this agreement or otherwise. You may not reverse engineer, modify, or de-compile any of the technology that we make available to you. You agree not to engage in the practice known as “screen-scraping” in an attempt to obtain a list of our Site users. You agree to comply with the terms of any license agreement we make available to you with any software.

How to minimize the risk of being a victim of a phishing scam

If you are not sure of an e-mail address, do not follow links that may be included in the request.

Do not complete e-mailed forms that request personal information unless you have initiated the request.

Regularly review your account statements and verify that any activity was authorized or performed by you, the owner.

Use an abundance of caution responding to any e-mails marked as “urgent” or “immediate response required.”

Update your browser regularly with security patches and install a firewall and anti-spyware program on your computer to help protect against unsolicited messages.

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How to minimize the risk of being a victim of a skimming scam:

Block the view people may have around you when you enter a PIN number. Use your body position or hand to shield the numbers or code from view.

If an ATM machine or point of purchase terminal appears to be tampered with or in poor repair, avoid that machine and determine another alternative location.

In a restaurant, the wait staff may take your card to calculate your bill. Try to keep the individual that took your card in sight and monitor what is being done with your card.

skimming

You acknowledge and agree that the software used by us in the operation of this Site, and the copyright, patent, trademark, trade secret and all other proprietary rights in and to the technology, designs, graphics, marks and software used by us for this Site and the Services, are proprietary to us and our licensors. As such, you will not gain any ownership or other right, title or interest in or to them by reason of this agreement or otherwise. You may not reverse engineer, modify, or de-compile any of the technology that we make available to you. You agree not to engage in the practice known as “screen-scraping” in an attempt to obtain a list of our Site users. You agree to comply with the terms of any license agreement we make available to you with any software.

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smishing

Smishing involves the use of mobile devices, such as cell phones. This scam is rapidly increasing because of the increased popularity of these devices with the consumer. Typically, this occurs when a text message is sent, unsolicited, to a mobile device requesting personal and sensitive information. It is very similar to phishing, but the attempt to access the information occurs with the mobile devices.

How to minimize the risk of being a victim of a smishing scam:

Contact your cell phone or wireless carrier when you receive messages that are unsolicited

Avoid displaying your cell phone number in public areas

Add your cell phone number to the National ‘Do Not Call’ registry

Check the privacy policy of the businesses you do business with

If you experience any of the scams described or feel that your identity or account information may have compromised in any way, please do not hesitate to contact MainStreet Bank at 703-481-4567 to report the situation.
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