ONLINE BANKING
Welcome to Home Federal Bank.
Capital One Breach Notice
It was announced in the media recently that a hacker gained access to more than 100 million Capital One customers’ accounts and credit card applications earlier this year. This in no way directly affects your account with Home Federal Bank. At this point in time, Capital One is saying that the vulnerability has been fixed and that it is “unlikely that the information was used for fraud or disseminated by this individual.” However, the company is still investigating. It was also noted that “no credit card account numbers or log-in credentials were compromised and that over 99% of Social Security numbers were not compromised.”
Although only Capital One customers are impacted by this breach, this incident serves as an opportunity to remind everyone of how stolen cardholder information is used to commit fraud. Below are tips about how to keep your information safe.
Fraudsters have become increasingly adept at getting cardholders to share the information they need to commit fraud by posing as financial institution call center agents, or by sending text messages that look like they are coming from your institution, warning of suspicious transaction activities.
The fraudsters do this by using information stolen through data breaches at health insurance providers, reward program providers, credit bureaus, merchant terminals, and social media sites, as well as through malware programs deployed on personal computers, to mention just a few. Stolen personally identifiable information (PII) is combined with stolen card information, resulting in sufficient information to create profiles that fraudsters can use to position themselves as the actual cardholders.
Here are some tips to help you avoid compromising your personal information:
- Be aware of fraudsters that will attempt to take advantage of this incident or future incidents. You may receive emails, phone calls, text messages, or messages on social media stating your account may have been compromised. These messages will ask you to click an attached link in an attempt to have you enter your credentials on a fraudulent site. From there fraudsters will have access to your account. If you receive one of these messages, it is best practice to go to the login page yourself and review your account or to contact the company messaging you directly.
- If you are made aware that a non-Home Federal Bank online account has been compromised and the account shares the same, or similar, password with your Home Federal Bank account, you should, as a precaution, change your Home Federal Bank password as well.
- A text alert from us warning of suspicious activity on your card will NEVER include a link to be clicked. Never click on a link in a text message that is supposedly from us. A valid notification will provide information about the suspect transaction and ask the cardholder to reply to the text message with answers such as ‘yes’, ‘no’, ‘help’, or ‘stop’. It will never include a link.
- A text alert from us will always be from a 5-digit number and NOT a 10-digit number resembling a phone number.
- We will NEVER ask you for your PIN or the 3-digit security code on the back of your card. Don’t give them out to anyone, no matter what they say. Hang up and call us directly. Fraudsters will often ask cardholders to verify fake transactions. When the cardholder says no, they did not perform those transactions, the fraudster then says that their card will be blocked, a new card will be issued, and that they need the card’s PIN to put it on the new card. Many people believe this and provide their PIN. The 3-digit CV2 code on the back of the card will allow a fraudster to conduct card-not-present transactions.
- Regularly check your account online to see if there are any suspicious transactions that have occurred, but especially if you are unsure about a call or text message you have received. If anything looks amiss, call us directly at 606-248-1095 for assistance.
- If you have received a voice- or a text-message from us and are unsure about responding to it, call us directly for assistance at 606-248-1095.
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Wherever you are, wherever you go, Home Federal Bank is Always Within Reach. With locations in Tennessee and Kentucky, we're your hometown bank that understands the needs of our communities. Visit one of our branches in Middlesboro KY, Harlan KY, Harrogate TN, Jacksboro TN and New Tazewell TN and let our Personal Bankers help you with your banking needs.
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