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 transfers.
  • Change settings on your computer to block all incoming e-mails from Citizens Security Bank (so that you are unaware of fraudulent transfers).

 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 ACH Network.
  • Does not contact individuals/organizations regarding specific transactions.
  • Visit their site www.nacha.org to view examples of fraudulent emails.

BBB (Better Business Bureau)

  • Visit their site www.bbb.org to view examples of fraudulent emails.

Unsolicited e-mails from other financial organizations that appear legitimate

  • 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.



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 background check:
    • 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 daily).
    • Be observant and weed out the phony invoices from the real ones.
  • 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 prevent:
    • 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 www.sba.gov/content/find-local-sba-office.
  • Visit the scam alert page for small businesses at http://www.usa.gov/topics/consumer/scams-fraud/business/small-business-scams.shtml