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Fraud Center

 

 

 

Fraud Center

For generations, Home State Bank has held true to the principle of integrity. When you trust Home State Bank for your financial needs, you can have confidence that we place the utmost importance on protecting your privacy and securing your sensitive information. It is important that you recognize the threats to your information so you can also protect yourself!

HAS YOUR DEBIT OR ATM CARD BEEN LOST OR STOLEN? 

  • If your debit card has been lost or stolen, please contact the bank at 620-241-3732 until 5:00pm on weekdays. After 5:00pm, please call 1-888-227-3096.

PERSONAL INFORMATION SECURITY THREATS

There are a number of methods that offenders employ to use your personal information without your knowledge to personally profit at your expense.

  • Identity Theft - Identity theft occurs when your personal information is used by someone else to open new accounts or initiate transactions in your name. Identity theft occurs through a number of ways offline - from stealing wallets and purses, intercepting and rerouting mail or rummaging through garbage. In addition, there are numerous online and electronic means that fraud artists use to attempt to steal your identity.
    Ten Simple Things You Can Do to Fight Fraud and Identity Theft
    Your ID's Been Stolen. Now What?
  • E-mail or Online Fraud - Offenders can also obtain personal information via online methods, such as phishing and spoofing. With phishing and spoofing, an e-mail header is forged to make it appear as if it came from someone other than the actual source. The e-mail message may direct you to a web site that looks just like the legitimate source's web site, but isn't. In these cases, the e-mail or pop-up messages are used to deceive you into disclosing sensitive personal information so that the offender may use your information to make fraudulent purchases, access your accounts or steal your identity.
    What is Phishing?
  • Skimming - Skimming, which occurs when your credit or debit card account information is captured in a data storage device, is a practice offenders employ to create counterfeit credit or debit cards from your account information. Your card may be swiped first for an actual purchase, and then swiped again into a small hand-held device called a skimmer, or a skimmer may be attached to an ATM machine or unattended gas pump where you swipe your card or enter your card information.
    • Scams - You should also be aware of other online and mail scams. As a general rule, if it seems to be too good to be true, it probably is, so be aware!
      • Nigerian Scam - Fraudsters have been sending out letters inviting individuals to participate in a scheme that ultimately turns out to be non-existent. Usually, the letters purport to be from a government official who needs help in distributing millions of dollars out of the country in return for a cut of the money. Recipients of the letters are required to divulge bank account details and forward tens of thousands of dollars in "advance fees".
      • Spanish Lottery Scam - Victims of this scam receive a letter advising them they have won a large prize from the 'Spanish Lottery'. In order to collect the prize, they must send money before a certain date to a bank account in Spain to cover the cost of traces, bank fees, delivery and insurance costs.
      • Email Employment Scam - Victims of this scam are asked to provide their bank account details to prospective employer with the view to facilitate transfer of funds to overseas parties. In return the victims are compensated by a commission payment. However the funds transferred have been obtained fraudulently. Do not provide bank account details to any prospective employer until you are satisfied with the bona fides of that employer and/or you have signed contracts of employment.
      • Other Scams - Be aware of other scams, such as spam e-mails, chain letters and persons purporting to be representatives of government departments, financial institutions or other businesses. Do not give or send your name, bank account details, copies of your passport, birth certificate or any other personal details to anyone other than for legitimate purposes. Be suspicious of any correspondence received from overseas where you have been advised to forward large sums of money or that you have won a prize.
  • Tips for Protecting Yourself - By increasing your awareness about the common threats against the security of your personal information, managing your personal information wisely and cautiously and exercising vigilance, you can minimize your risk to fall victim. Home State Bank & Trust Co. works continuously to protect your privacy and secure your personal information. But there are also a number of steps you can take to reduce your susceptibility.
    Specific steps you can take to protect yourself

SECURITY VIDEO'S

  • Identity Theft: Protect Yourself!

 

  • Internet Fraud: If it sounds too good to be true, it probably is.

 

  • Social Media: Be Careful Who You Trust  

 

  • Play it Safe with Portable Devices

  •  Phishing: Don't take the bait

     

 

How to Avoid Debit Card Fraud
Fraudulent Email claiming to be from FDIC
 

ACH Phishing Scam

Granny Scam

 

Fraud Alert: BBB Issues Nationwide Warning

The Better Business Bureau (BBB) has issued a nationwide warning about a new scam claiming that President Obama will pay consumers’ utility bills through a federal program.
 
How the Scam Works:
 
Consumers are being contacted via telephone, fliers, social media and text messages and various other means with claims that President Obama is providing credits or applying payment to utility bills.
 
To receive the money, scammers claim to need the consumer’s Social Security Number (SSN), financial institution routing number and account number. In return, the consumers are given a fraudulent financial institution routing number to use in order to pay their utility bills through an automated telephone service.
 
The payment service initially seems to accept the payment but then declines it within a few days of finding the banking information to be invalid. The consumer’s bill has not been paid and his/her SSN and personal financial information have been compromised.
 
Helpful Tips:
 
The BBB offers the following tips to help consumers avoid becoming victim of this scam:
·       Never provide your SSN, credit card number or banking information to anyone who calls you, regardless of whom they claim to be representing. 
·       If you receive a call claiming to be your utility company and feel pressured for immediate payment or personal information, hang up and call the customer service number on your utility bill.
·       Never allow anyone into your home to check electrical wiring, natural gas pipes or appliances unless you have scheduled an appointment or reported a problem. Also, ask the employee for proper identification.
·       Think safety first, always. Do not give in to high pressure tactics for information over the phone or in person.


Card Scam
Some Kansas bank customers have been reporting that they have been receiving calls on their cell phones about their debit cards being blocked. When they press 1, they are asked for their card information. These are fraudulent calls. At this time, we do not know if they are targeting only Verizon cell phones or if it extends to other carriers. These appear to be blind calls to cell phone numbers. Please remember to never give your card information (card number, pin, or security code) over the phone if someone calls you asking for it for any reason. You may receive a call from our fraud department asking you to verify if a transaction was yours, but any legitimate caller will never ask for your card information. 
 
  

 

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