Lock Icon Online Banking

Person using debit card at atm at FNB New Mexico

Fraud

Visitors to FNB New Mexico’s website remain anonymous. FNB New Mexico does not collect identifying information about visitors to the website but may collect non-identifying information about visitors such as:

  • IP address
  • Date and time the website was accessed
  • The geographic location from which the website was accessed such as city, state, and country
  • Other non-identifying information

Visitors may elect to provide personal information via email or online forms, which is used to handle requests or answer questions. This information is not disseminated or sold to other organizations.

Some areas of FNB New Mexico’s website may use a technology called “cookies” to assist with securing your activities, logging pages you use or visit, or to enhance the performance of your visit. Cookies do not retrieve data from your hard drive, carry computer viruses, or capture your email addresses.

At times, FNB New Mexico may provide links to sites outside the control of FNB New Mexico to alert you to products, information, and services offered by third parties. Provided links are meant to supplement FNB New Mexico’s products, services or information or provide other information that may be of interest to you. Although FNB New Mexico will only provide links to reputable sites, the bank does not make any representations concerning the linked sites’ contents or availability. Please note that linked sites may have different privacy and information security policies than FNB New Mexico. You should review each site’s privacy and information security policies carefully before you enter confidential information onto the site.

 

While FNB New Mexico works to protect your banking privacy, you also play an important role in protecting your information. Here are a few steps you can take to protect your identity:

 

Tips

  • Add your phone numbers to the national Do Not Call Registry at donotcall.gov or by calling 1-888-382-1222. Since February 2008, these registered telephone numbers will no longer expire off the list.
  • Examine your financial institution statements immediately upon receipt to determine whether there were any unauthorized transactions. Report any unauthorized transactions that you find immediately to FNB New Mexico.
  • FNB New Mexico feels that it is extremely important to guard the identity and privacy of children and encourage parents and guardians to closely supervise children’s online activities. FNB New Mexico’s websites and online services are not directed to children under the age of 13, nor is information knowingly collected from them.

Annually

  • Each year, you are entitled to one free credit report through www.annualcreditreport.com or by calling 1-877-322-8228.
  • Request a copy of your Social Security statements at ssa.gov/mystatement to be sure that no one else is using your social security number for employment.

Every 5 Years

Please read the other sections below to learn about the different types of fraud and how to prevent them. The Fraud Summary section provides more tips on how to protect yourself.

Contact the bank immediately if you notice any suspicious or unusual activity related to any of your FNB New Mexico accounts.


 Fraud Summary

Identity Theft is the most popular and profitable form of consumer fraud. It occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

 Common ways identity theft can happen:

 “Old Fashioned” Stealing

  • Thieves may steal wallets and purses. They may also steal mail such as credit card and bank statements, pre-approved credit card offers, check orders and other financial mail.

Dumpster Diving

  • Thieves dig through trash looking for bills, financial or other personal information.

Change of Address

  • Thieves modify or redirect your billing statements to another address by completing a “change of address” form.

Phishing

  • Thieves may send unsolicited emails, pretending to be a financial institution or a company, asking you to click a link to update or confirm your personal or login information. The link is directed to a “spoofed” website designed to look like a legitimate site.

Skimming

  • Thieves may use a card reader device to copy the card’s magnetic strip to duplicate without the card owner’s knowledge.

Vishing

  • Vishing scams target consumers by “spoofing” voice calls or voicemail messages that ask you to disclose personal information.

Smishing

  • Smishing is when consumers’ cell phones and other mobile devices are targeted with mobile spam. The spam, or text messages, attempt to trick consumers into providing personal information or clicking on a fraudulent link.

Lottery/Sweepstakes Scams

  • Lottery/Sweepstakes scams target consumers by a notification, which arrives through the mail, by email, or by an unsolicited telephone call asking for payment to redeem a prize.

 

Common ways to counteract identity theft:

Monitor your accounts

  • Monitor transactions on your accounts by logging in to FNB New Mexico’s Online Banking, where you can view your activity as it is posted.

 Protect your personal information

  • Do not carry your Social Security card in your wallet.
  • Do not have personal information such as your Social Security number and driver’s license number printed on your checks.
  • Keep your new and canceled checks in a safe place.
  • Do not leave your purse, wallet, checkbook, or any other forms of identification in your car
  • Shred or tear up any documents containing banking or credit information, especially pre-approved credit offers, before you throw them away. To opt-out of pre-approved credit card offers, call 1-888-567-8688.
  • Keep your PINs and passwords a secret. Do not write them down or share them with anyone.

 

Contact the bank immediately if you notice any suspicious or unusual activity related to any of your FNB New Mexico accounts.

Download FNB New Mexico’s, a Division of AimBank, Account Take Over Prevention and Awareness Guide

  


Online Banking Security

 FNB New Mexico is committed to protecting the confidentiality of your information. FNB New Mexico, or third-party providers, utilize an infrastructure of multiple security techniques including Secure Sockets Layer encryption, firewalls, and intrusion detection/prevention.

There are steps you may take to protect your online information a few of which follow:

  • Be creative when selecting passwords and change them frequently. Do not use birth dates, all or part of social security numbers or driver’s license numbers, address, or spouse or children’s names for passwords.
  • Do not share account numbers or passwords with anyone. Do not provide passwords to even FNB New Mexico employees.
  • Always completely log off of your Online Banking account when you have completed your activity so that no one else may view your account or personal information.
  • Protect your computer by using up-to-date anti-virus software and firewalls, and by keeping your computer’s operation system updated with the most recent patches.

password security

Computer Security

FNB New Mexico continually makes investments in online banking security to ensure the confidentiality of every customer’s online information and to provide the utmost security of every user.

Computer protection tips:

  • Update your computer operating system on a regular basis.
  • Keep your browser current with the latest security updates.
  • Use updated anti-virus software.
  • Use updated anti-spyware software and consider using more than one, to ensure the most thorough scan.
  • Change your passwords on a regular basis, as a good practice to help prevent unauthorized access.
  • Download free software only from websites you know and trust.
  • Do not install software without knowing exactly what it is or what it will do (read the end-user license agreement).
  • Close pop-up ads by clicking on the “X” instead of clicking within the advertisement itself.
  • Review your browser security settings and set them to a high enough level to help detect unauthorized downloads.
  • Do not click links inside of spam email.
  • Install a personal firewall on your computer. A firewall works like a filter that prevents access to information on your computer.
  • Don’t give any of your personal information to any websites that do not use encryption or other secure methods to protect it.

Contact the bank immediately if you notice any suspicious or unusual activity related to any of your FNB New Mexico accounts.


ATM/Debit Card Security

ATMs and Points of Sale are a fast and easy way to withdraw cash, check account balances, transfer funds and more. If ATMs are to continue as a convenient way to conduct financial transactions, you must make electronic banking security a priority. Here are some important steps you can take to make ATM/DEBIT CARD security your business.

  • Treat your card like cash.  Always keep your card in a safe place. It’s a good idea to store your card in a card sleeve. The sleeve protects the card’s magnetic strip and helps ensure that the card functions properly.
  • Keep your PIN number a secret. Your ATM/DEBIT CARD card will only work with your personal identification number or PIN. Memorize your PIN. Never write it on your card or store it with the card. Never tell your pin to anyone. Never let someone else enter your code for you.
  • Observe the entire area before approaching the ATM. If an ATM is obstructed from view or poorly lit, go to another ATM.
  • Avoid opening your purse, bag, or wallet while waiting for the ATM. Have your card out before you approach the ATM.
  • Take your ATM/Point of Sale receipt with you. Do not leave it at or near the ATM/Point of Sale.
  • If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lit area and call the police.
  • Do not give out any information about your ATM/DEBIT CARD card over the telephone. No one needs to know your PIN. Not even your financial institution.
  • Report a lost or stolen card at once.  Promptly report a lost or stolen card to reduce the chance that it will be used improperly. You will be issued another card.
  • Check your receipts against your monthly statement to guard against ATM/DEBIT CARD fraud.  You get a receipt a majority of the time when you make an ATM/DEBIT CARD transaction. Verify each transaction by checking receipts against your monthly account statements.
  • Be cautious when strangers offer to help you at an ATM. Even if your card is stuck or you are experiencing difficulty, you should not allow anyone to distract you while you are at the ATM.

 Drive-Up ATM Security

  • Keep your engine running, doors locked and windows up at all times when waiting in line at a drive-up ATM.
  • If possible, leave enough room between cars to allow for a quick exit should it become necessary.

Mail & Phone Security

Tips for the mailbox

  • Deposit outgoing mail at the Post Office.
  • Remove incoming mail from your personal mailbox as soon as possible, or use a P.O. Box or locked, secure mailbox.
  • Request a mail hold from the United States Postal Service or call them at 1-800-275-8777 if you plan to be away from home for an extended period.
  • Know your billing cycles. If bills are late or missing, contact your creditors.
  • Switch to a more secure way of receiving your account statement. When you sign up for FNB New Mexico Online E-Statements, your statement will no longer sit in your mailbox. Instead, an email will be sent when your statement is available through your secure Online Banking account.

Tips for the phone

  • Do not give out personal information, such as your account numbers, card numbers, Social Security, tax identification numbers, passwords, or PINs, unless you have initiated the call.
  • FNB New Mexico will not make an unsolicited call requesting your personal information.
  • If you ever believe you are not talking to a representative of a legitimate company, hang up and call the listed phone number.
  • Enable the auto-lock feature after a period of inactivity.
  • Implement a PIN code for mobile phone access.
  • Disable Bluetooth when not in use.
  • If your phone is lost or stolen, cancel your phone service.
  • Notify your local AimBank branch if your phone is lost or stolen so we can suspend mobile banking access.
  • Keep your phone current with updates.
  • Download only trusted applications from trusted sources.
  • Do not “root” or “jailbreak” your device.

 

Contact the bank immediately if you notice any suspicious or unusual activity related to any of your FNB New Mexico accounts.


Phishing & Spoofing

Phishing

 Phishing scams target consumers by “spoofing” emails and websites. Here’s how it works:

  • You receive an email message, asking you to click on a link in order to update some sensitive personal information.
  • The link will redirect you to a “spoofed” website, which is designed to look like a legitimate website.
  • The website will ask you to input personal information such as your account credentials, account numbers, PINs, or a social security number.

How to protect yourself

To protect yourself from going to a spoofed website, always type www.fnbnm.bank into your browser when you log in to your FNB New Mexico Online Banking Account, instead of clicking a link in an email.

Email protection tips

  • Do not click links in emails to log in, or to update or confirm your sensitive information.
  • Do not fill out forms in emails.
  • Be cautious about opening attachments or downloading files, regardless of who sent them
  • ‘Spam’, or mass email messages, often contain links to phishing websites and other unsavory websites.
  • Be wary of emails from people or sources you don’t know or trust.
  • Poor grammar and misspelled words from unknown sources asking you for personal information are clear warning signs of phishing scams.
  • Legitimate companies or organizations will never ask you to divulge any personal information over email.
  • Phishing emails may also be fake contests or offerings, asking you to input personal information. If an offer or email you receive is too good to be true, it most likely is.

Emails from FNB New Mexico

For your protection, an email will never be sent to update or confirm your sensitive information by clicking a link or replying.

Emails to FNB New Mexico

Please do not send personal information in this un-secure email. Secure email may be sent from the Secure Feedback form from within the Online Banking’s Support Tab. FNB New Mexico employees can also initiate a secure email that you can securely reply to.

Contact the bank immediately if you notice any suspicious or unusual activity related to any of your FNB New Mexico accounts.


Credit Bureaus

The major credit bureaus are now required to offer free credit freezes to everyone and their dependents. Contact the major credit bureaus to lock your credit file when not in use.

 

NAME                                                                          

Equifax®       
P.O. Box 740241
Atlanta, GA 30374-0241
(800) 525-6285
Experian® 
P.O. Box  9532
Allen, TX 75013
(888) EXPERIAN
Transunion®
Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
(800) 680-7289