Protect Against Fraud

The internet offers a global marketplace for consumers and businesses. But crooks also recognize the potentials of cyberspace. The same scams that have been conducted by mail and phone can now be found on the internet and in email. Protect yourself by learning how to recognize the danger signs of fraud.

elder financial abuse

Last year, older Americans lost $2.9 billion to fraud. Protect yourself and your loved ones from financial abuse by following these tips from the American Bankers Association.

If you or someone your love falls victim to financial abuse, contact Adult Protective Services or your local banker.


  • Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
  • Set strong passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.
  • Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with.
  • Forward phishing emails to the Federal Trade Commission (FTC) at
  • Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother's maiden name, etc. Be wary of requests to connect from people you do not know.
  • Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.
  • Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also check for a tiny locked padlock symbol appearing on the page.
  • Read the site's privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects.

Safeguard from Business Email Compromise

Business Email Compromise (BEC) is a type of payment fraud that involves the use of what appear to be legitimate business email accounts for the purpose of conducting an unauthorized wire transfer.

Fraudsters use compromised or spoofed email account to send falsified wire transfer instructions.

1. Use proper controls:

  • Verify all funds requests against a source document.
  • Implement two-factor authentication for all funds transfer requests.

2. Set email and firewall rules to stop fraudulent requests in their tracks:

  • Block incoming email with a ‘from’ address of the company’s domain if it did not originate from the company.
  • Block incoming email from domains created within the past three days.

3. Train employees to be aware of current cyber threats.

Learn more about BEC, fraud prevention and potential loss. Schedule a seminar or on-site fraud assessment for you and your business with First National experts.

Steps to minimize Debit Card risk

To help protect yourself against debit card fraud, follow these steps. Be sure to review your account information online every day to confirm that your transactions are correct.

What you need to know about data breaches

Learn how the financial services industry protects consumers. Cyber Security for Small Business An online training video offered by the Small Business Administration.

The FBI issued a series of reminders and tips for online shoppers to avoid becoming victims during the holiday season, including:

  • Monitor personal credit information and review bank statements;
  • Shop only on reputable online sites;
  • Before clicking on a result in a search engine, inspect the URL of the destination website for misspellings or extra characters. Verify that the sites payment pages URL begins with HTTPS, not just HTTP;
  • Be wary if you are requested to act quickly or if there is an emergency that requires your attention; and more.

Guard against fraud:

Order your credit report once a year from each of the three credit bureaus (at to check for inaccuracies and fraudulent use of your accounts.

Learn how to better protect your computer and yourself from identity thieves and online scams by reading the Federal Deposit Insurance Corporation's (FDIC) free publications. Visit the FDIC's Consumer Resources page and become a better informed consumer.

Learn more about identity theft from the Comptroller of the Currency.

Download the bank's Identity Theft brochure (1.2 MB PDF).

Avoid Scams, Secure Your Computer, Protect Kids Online
Phishing and Identity Theft

Identify Theft Prevention Tips

Fraud Prevention For Consumers (MasterCard)
This Federal Trade Commission website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help you deter, detect, and defend against identity theft.