At Citizens Security Bank, we are committed to providing you
with the latest security enhancement to protect your financial
information initiated via the internet. Please be aware of
your internet/e-mail security settings at your business.
What can happen?
A criminal may:
- Create a new e-mail account very similar to yours to falsify
their identity (ex. John.doe@... vs Jon.doe@...).
- Access your e-mail account to request fraudulent wire
- Change settings on your computer to block all incoming e-mails
from Citizens Security Bank (so that you are unaware of fraudulent
How does the bank protect me?
- Every e-mail wire request is confirmed with a call back to the
contact person we have on record.
- Through our Cash Management service, we provide an additional
layer of security with a token - a handheld digital device that
will require another user specific PIN/password.
Please also be aware of emails that appear as though
they're coming from well-known organizations.
NACHA (National Automated Clearing House Association)
- Does not process financial transactions that flow through the
- Does not contact individuals/organizations regarding specific
- Visit their site www.nacha.org to view examples of fraudulent
BBB (Better Business Bureau)
- Visit their site www.bbb.org to view examples of fraudulent
Unsolicited e-mails from other financial organizations that
- They may look official but there may be typos in the sender's
email and/or body of the message.
What do I do when this happens?
- Do not click on any links! Doing so may upload a
malware/virus on to your computer.
- Do not reply to the sender.
- Delete the email.
- Contact Citizens Security Bank.
TARGETING SMALL BUSINESS
With cyber attacks becoming more prevalent and before ever
falling victim, small businesses are taking measures into their own
hands to protect their assets.
I own a small business - what can I do?
- Be meticulous about who you hire and consider a pre-employment
- Fraudulent activity can also occur as an inside job.
- Restrict financial responsibilities to only a few employees:
- Monitor financial activity on a regular basis (recommend
- Be observant and weed out the phony invoices from the real
- Educate employees about fraudulent consumer payments:
- Fake debit/credit cards.
- Bad checks.
- Fraudulent return of merchandise for the exchange of cash.
- Purchase up-to-date anti-virus software and firewalls, to
- Account takeover - email and website credentials compromised to
transact business on your account(s).
- Keystroke loggers - captures every keystroke made on your
computer to gather personal data.
- Back up copies of business data .
- Do your research before turning to the internet for alternate
sources of funds.
- Visit the Small Business Administration District Office site at
- Visit the scam alert page for small businesses at http://www.usa.gov/topics/consumer/scams-fraud/business/small-business-scams.shtml