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Securities & Alerts

Alert: Security Breach At Michael's Craft Stores & Aaron Brothers Stores

SECURITY ALERT: UPDATED (04/18/2014)             

On April 17, 2014 Michael’s Arts and Craft Stores announced there was a security breach at several locations last year (05/08/13-01/27/14).  Some of those stores are located in Connecticut (including Killingly Commons) were among those impacted.  Please be advised that we have received a report indicating a small number of our customers were impacted by the Michael’s security breach.  Our Managers and Assistants will be contacting the affected customers directly.   

We will continue to monitor this situation closely and update our customers of any changes.  We ask that you continue to monitor your accounts closely and contact us immediately if you should see any suspicious transactions, 860-928-7921 ext 115. 

Note:  A sister company to Michael’s, Aaron Brothers, also suffered a breach.  Their security was compromised between 06/26/13 – 02/27/14.  At this point, we are not aware that any of our customers are at risk because of the breach at Aaron’s.

"HEARTBLEED BUG"

SECURITY ALERT: UPDATED (04/11/14)

“HEARTBLEED BUG”

WE WISH TO LET YOU KNOW WE ARE AWARE RESEARCHERS HAVE RECENTLY UNCOVERED A SECURITY VULNERABILITY, KNOWN AS THE “HEARTBLEED BUG”, IN A COMPONENT OF CERTAIN VERSIONS OF THE TECHNOLOGY OpenSSL.

THE VENDOR THE CITIZENS NATIONAL BANK UTILIZES TO SUPPORT OUR WEBSITE AND THE ELECTRONIC BANKING SERVICES WE OFFER HAS COMPLETED ITS INITIAL ASSESSMENT OF THE FOLLOWING SERVICES AND FOUND THEM TO BE UNABOUT REVIEWING YOUR ACCOUNT ACTIVITY AND CONTACT US IMMEDIATELY @ 860-928-7921 EXT. 115 W/QUESTIONS OR CONCERNS. THANK YOU.

***WARNING OF POTENTIAL INCREASE IN PHISHING & OTHER SCAMS***

IT IS POSSIBLE FRAUD-RELATED ATTEMPTS WILL INCREASE BECAUSE THERE HAS BEEN SO MUCH PUBLICITY RECENTLY ABOUT THE “HEARTBLEED BUG”. BE WARY OF EMAILS THAT APPEAR TO BE FROM BANKS OR OTHER SECURE SITES ADVISING THAT THEIR SITE WAS VULNERABLE TO THE “BUG” AND ASKING THAT THE USER RESET HIS/HER PASSWORD. THESE COULD BE ILLEGITIMATE TRICKS DESIGNED TO RESULT IN THE USER DIVULGING HIS/HER LOGIN INFORMATION TO A CRIMINAL. DO NOT CLICK ON ANY LINKS IN AN EMAIL SUCH AS THIS. INSTEAD, IF YOU FEEL THE EMAIL IS LEGITIMATE, TYPE THE WEBSITE URL IN YOUR BROWSER AND CHANGE YOUR PASSWORD AFTER YOU HAVE ACCESSED THE SITE IN THAT MANNER.

BEWARE OF OTHER POTENTIAL SCAMS SUCH AS SERVICES THAT INDICATE THAT THEY CAN HELP YOU DETERMINE IF YOU ARE VULNERABLE TO THE “BUG” OR TO “CLEAN-UP” ISSUES RESULTING FROM IT. WE RECOMMEND THAT YOU RESEARCH ANY SUCH OFFERING THROUGHLY AND THAT YOU DO NOT PROVIDE ANY INFORMATION OR MONEY TO THEM UNTIL YOU HAVE BEEN ABLE TO CONFIRM THEIR LEGITIMACY.

Alert: Target Debit Card Transactions 11/27/13 - 12/15/13

SECURITY ALERT: UPDATED (01/29/2014)             

SECURITY BREACH AT TARGET STORES - THIS ALERT PERTAINS ONLY TO THOSE CNB DEBIT CARDHOLDERS THAT USED THEIR CARDS AT TARGET BETWEEN 11/27/13 – 12/15/13.

By now you should have received a new CNB Visa Card in the mail. This card was sent to you to replace the one that was compromised as a result of the security breach that occurred at Target stores. You also should have received the Personal Identification Number (PIN) that you will need to activate your new card.

IF YOU HAVE NOT ALREADY DONE SO, PLEASE ACTIVATE YOUR NEW CARD IMMEDIATELY. IT IS IMPERATIVE THAT YOU DO SO, AS THE CARD THAT IT REPLACED WAS DEACTIVATED ON FRIDAY, JANAURY 17, 2014. THE INSTRUCTIONS FOR ACTIVATING YOUR NEW CARD ARE OUTLINED IN THE BROCHURE THAT IT WAS ATTACHED TO. SINCE YOUR EXISTING CARD HAS BEEN CANCELLED IT WILL NOT WORK IF YOU SHOULD ATTEMPT TO USE IT. IF YOU SHOULD HAVE ANY QUESTIONS REGARDING THE CONTENTS OF THIS MESSAGE, PLEASE CALL OUR DATA CENTER AT (860) 928-7921, EXT 115 OR VISIT ONE OF OUR BRANCHES. THANK YOU.

Alerts & Advisories

Subject: Fraudulent Regulatory Agency Issuance

Date: July 24, 2013

Alert 2013-14

Description: Fraudulent Correspondence Attributed to the Office of the Comptroller of the Currency

 

Fraudulent Correspondence Regarding the Release of Funds Supposedly Under the Control of the Office of the Comptroller of the Currency

To: Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts); Assistant Deputy Comptrollers; District Counsels; All Examining Personnel; and Other Interested Parties

Fictitious correspondence, allegedly issued by the Office of the Comptroller of the Currency (OCC) regarding funds purportedly under the control of the OCC, Federal Deposit Insurance Corporation, Board of Governors of the Federal Reserve System, and foreign financial institutions is in circulation. This correspondence may be distributed via e-mail, fax, or postal mail.

Any document claiming that the OCC is involved in holding any funds for the benefit of any individual or entity is fraudulent. The OCC does not participate in the transfer of funds for, or on behalf of, individuals, business enterprises, or governmental entities.

Attached is a copy of this fraudulent correspondence as well as related fictitious documents, which are being sent to consumers in an attempt to elicit funds from those individuals and to gather personal information to be used in possible future identification theft.  

Correspondence may indicate that an “Exchange Control Approval Payment Order” valued at $7,500,000.00 is being held until a “Currency Capital Control Clearance ITP Fee” is secured. The recipient of this correspondence is instructed to wire funds, which are purportedly used to pay tax. The recipient will receive several tax bills, which over time may equate to $10,400.00, before having any supposed funds released. Throughout the course of this scam, the potential victim will be instructed to provide the following personal identifiable information: full name and address, mobile phone and fax, company name and position, profession, age, marital status, and a scanned copy of his or her identification. Contact information provided in the correspondence is for that of either William Blattner, who is purportedly with Standard Chartered Bank, or Glenn David, who is purportedly a representative of the OCC.  The specific contact information appearing in the correspondence is as follows:  

William Blattner
Office of the General Manager, Department of Foreign Operations
standardcharteredbnk2011(at)live.com
+44-7024021358
1 Basing-Hall Avenue, London-EC2V 5DD

Glenn David
Executive Secretary
Office of the Comptroller of the Currency and Administrator of National Banks
Washington, DC 20219
509-262-6309
secretry.occ(at)blumail.org

Please note that the OCC does not employ anyone by the name of Glenn David. In addition, the e-mail address and the telephone number mentioned in the material are not associated with the OCC.

Before responding in any manner to any proposal supposedly issued by the OCC that requests personal information or personal account information or that requires the payment of any fee in connection with the proposal, the recipient should take steps to verify that the proposal is legitimate. At a minimum, the OCC recommends that consumers

  • contact the OCC directly to verify the legitimacy of the proposal (1) by e-mail at occalertresponses@occ.treas.gov; (2) by mail to the OCC’s Special Supervision Division, 400 7th St. SW, Suite 3E-218, MS 8E-12, Washington, DC 20219; (3) by fax to (571) 293-4925; or (4) by calling the Special Supervision Division at (202) 649-6450.
  • contact state or local law enforcement.
  • file a complaint with the Internet Crime Complaint Center at www.ic3.gov if the proposal appears to be fraudulent and was received by e-mail or the Internet.
  • file a complaint with the U.S. Postal Inspection Service by telephone at (888) 877 7644; by mail at U.S. Postal Inspection Service, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100; or by the online complaint form at https://postalinspectors.uspis.gov/forms/MailFraudComplaint.aspx, if the proposal appears to be fraudulent and was delivered through the U.S. Postal Service.

Additional information concerning this matter that should be brought to the attention of the OCC may be forwarded to

E-mail:

occalertresponses@occ.treas.gov

Mail:

Office of the Comptroller of the Currency
Special Supervision Division
400 7th Street SW, Suite 3E-218; MS 8E-12
Washington, DC 20219

Fax:

(202) 649-6450

Web:

www.occ.gov

Ellen M. Warwick
Director for Enforcement and Compliance

 # # #


Consumer Financial Protection Bureau
Federal Deposit Insurance Corporation 

 

For Immediate Release

June 12, 2013


FDIC and CFPB Collaborate to Develop a Tool for Older Adults to Prevent Financial Exploitation

WASHINGTON— The Federal Deposit Insurance Corporation (FDIC) and Consumer Financial Protection Bureau (CFPB) today launched a new financial resource tool, Money Smart for Older Adults, to help older adults and their caregivers prevent elder financial exploitation across the country. The newest addition to the FDIC's Money Smart financial curriculum family, this stand-alone training module developed by both agencies provides information to raise awareness among older adults (age 62 and older) and their caregivers on how to prevent, identify and respond to elder financial exploitation, plan for a secure financial future, and make informed financial decisions. The instructor-led module offers practical information that can be implemented immediately. Money Smart for Older Adults is designed to be delivered to older adults and their caregivers by representative of financial institutions, adult protective service agencies, senior advocacy organizations, law enforcement, and others that serve this population.

The module consists of a scripted instructor guide, participant/resource guide, and power point slides available in a downloadable format and free of charge on the FDIC website at http://www.fdic.gov/consumers/consumer/moneysmart/OlderAdult.html. For hard copies of the participant/resource guide, please visit the CFPB website at http://promotions.usa.gov/cfpbpubs.html.

Organizations that use Money Smart for Older Adults to support older adults and their caregivers through technical assistance may be eligible to join the FDIC's Money Smart Alliance. More information on the Alliance is available on the FDIC website at http://www.fdic.gov/consumers/consumer/moneysmart/members/.

"Each year millions of senior citizens are targeted for financial exploitation," said FDIC Chairman Martin J. Gruenberg. "Building on the success of the FDIC's Money Smart curriculum, this program will provide a new resource to help older adults avoid being victims of this type of elder abuse."

"Older Americans are vulnerable to financial exploitation," said CFPB Director Richard Cordray. "By working together with the FDIC on Money Smart for Older Adults, we will be better able to educate and empower seniors to avoid being victimized. We also will provide excellent new resources to the caretaker generation of people like myself, to be better able to protect an elderly parent against such abuses."

The FDIC's Money Smart is part of comprehensive financial education resources designed to help low- and moderate-income individuals enhance their financial skills and create positive banking relationships. Money Smart has reached more than 3 million consumers since its inception in 2001, and research suggests that the instructor-led Money Smart curriculum can positively influence how adults manage their finances in the months following the training.

# # #

 

For Immediate Release
April 24, 2013

 

 

Federal Reserve Announces Day of Issue of Redesigned $100 Note

The Federal Reserve Board on Wednesday announced that the redesigned $100 note will begin circulating on October 8, 2013. This note, which incorporates new security features such as a blue, 3-D security ribbon, will be easier for the public to authenticate but more difficult for counterfeiters to replicate.

The new design for the $100 note was unveiled in 2010, but its introduction was postponed following an unexpected production delay. To ensure a smooth transition to the redesigned note when it begins circulating in October, the U.S. Currency Education Program is reaching out to businesses and consumers around the world to raise awareness about the new design and inform them about how to use its security features. More information about the new design $100 note, as well as training and educational materials, can be found at www.newmoney.gov.

 

# # #

04/16/2013: Boston Marathon charity scams cropping up, Better Business Bureau warns

01/09/2013 Notice: Extremely high quality counterfeit $100 bills are being circulated. Evidently, the dry mark pens do not specify them as counterfeit. What to look for; (1) the denominations printed in the corners of the bill have a “flat” finish when they are exposed to light. Genuine bills have a shiny finish. (2) Serial numbers on the counterfeit bills start with FL and DB.

Notify the local police if you come into contact with counterfeit bills.

 

 

FOR IMMEDIATE RELEASE
October 19, 2012

Contact: William Grassano
(202) 874-5770

OCC Supports National Protect Your Identity Week

WASHINGTON - The Office of the Comptroller of the Currency has joined the public-private coalition that supports Protect Your Identity Week (PYIW), an initiative of the National Foundation for Credit Counseling (NFCC), the National Sheriffs’ Association and the National Association of Triads which will take place October 20-27, 2012. This year’s theme "ID Theft Protection on the Go" is focusing on how the increasing use of smart phones by consumers presents greater risks for identity theft.

"As a coalition member, the OCC supports the Protect Your Identity Week message that small steps can result in increased protection against identity theft. Consumers can use this week to do one of their periodic check-ups to assess their vulnerability to identity theft, and use the resources at the Protect Your Identity Week Web site to identify simple steps to reduce their risk of being a victim of identity theft," said Thomas J. Curry, Comptroller of the Currency.

The PYIW national campaign’s Web site - www.ProtectYourIDNow.org - highlights resources and community events aimed at identity theft protection and education. The OCC resources are available at the site, and other resources include consumer tips, videos and, an interactive quiz to assess an individual’s risk of identity theft. The OCC’s resources on identity theft may be accessed from the "Resources" section of the PYIW Web site. The Web site is also available in Spanish at www.CuideSuIdentidad.org.

Related Links

 

The Office of the Comptroller of the Currency (OCC) charters and oversees a nationwide system of national banks and federal savings associations and assures that these banking institutions are safe and sound, competitive, and capable of serving the banking needs of their customers in the best possible manner. OCC press releases and other information are available at http://www.occ.gov. To receive OCC press releases and issuances by e-mail, subscribe at http://www.occ.gov/tools-forms/subscribe/occ-email-list-service.html

Subscribe / Unsubscribe to receive OCC press releases and issuances by e-mail. 

OCC.gov | Helpwithmybank.gov | BankNet.gov

 

Stay Informed

The Internet can provide users with an experience rich in resources, services, and communication.  The Internet can also be a vehicle of fraud and scams.  At the Citizens National Bank, we believe that one of the best defenses against Internet fraud is the informed consumer.

Both the The Federal Trade Commission and the Office of the Comptroller of the Currency (OCC) issue alerts and advisories, when needed, and the Bank has made these warnings available to you in the Related Links to the left.  We encourage you to visit these sites regularly to stay forewarned and informed.

In succeeding sections, we have posted important information on online security and identity theft for your review and action.  Please contact us at 860-928-7921 or toll free at 888-928-7921, if you have any questions or concerns regarding the security of your Internet activity with us.  Thank you.  

Important Security Information

WHAT DO WE DO FOR CUSTOMER PROTECTION

At The Citizens National Bank the protection of your personal information and account information is just as important to us as it is to you. The security of your information relies on both our ability to offer banking services to you in a secure manner, as well as your responsibility for keeping User Identification Names (User ID's), Personal Identification Numbers (PIN's), answers to your personal challenge questions secure, updating and performing regular scans of your antivirus and antispyware programs on your home computer. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are identified below. These measures allow us to properly authenticate your identity when you access these services and to protect your information as it travels the Internet between your personal computer (PC) and The Citizens National Bank.

Our e-Banking and PowerPay security measures include:

  • A requirement for each user to privately maintain a combination of a User ID and a 6 -12 character (alpha & numeric) PIN.
  • A user-selected watermark that appears after you enter your User ID. This watermark assures that you are signing onto The Citizens National Bank’s website and not an imposter site.
  • The option to change your PIN at any time.
  • A risk-based authentication system to verify your identity and authorize transactions. Our multi-factor authentication solution improves our ability to verify your identity when you access Online Banking. You simply select three challenge questions and supply answers that only you know. When additional security is needed, we'll prompt you with two of your three questions. We may do this if you forget your password or if you sign in from a computer that we do not recognize (for example, if you sign in from a computer at work, we'll ask you a security question to verify that it's really you).
  • Perform regular monitoring and maintenance of the risk-based authentication cases within the system.
  • An automatic logoff feature which will end your session if it remains inactive.
  • An automatic lockout feature will disable your e-Banking ID if the PIN is entered incorrectly multiple times.
  • The use of account pseudo names will be assigned to eliminate any need for your account numbers to appear online.
  • A requirement that you utilize a secure browser that supports 128-bit encryption. PC users - utilize Microsoft Internet Explorer (IE) Version 7.0 - 8.0 or Firefox Version 3 and Higher.
    Mac Users – utilize Safari Version 1.0 and Higher.
  • The use of secure servers. This security is evident by the "https" that will appear in the URL (as opposed to "http" which appears for normal web pages). If you are using Internet Explorer or Netscape Navigator you will see a locked padlock at the bottom right of your browser window when browsing secure websites.
  • The use of a firewall which isolates our server from the Internet and limits access that outside computers have to The Citizens National Bank’s server.
  • Secure email communication with The Citizens National Bank through e-Banking.

 

CUSTOMER AWARENESS - WHAT YOU CAN DO

While we have instituted numerous security measures, you also play a role in protecting your confidential account information. There are a number of steps that you can take to ensure that your information remains protected, including:

  • Don't reveal your User ID, your PIN or the answers to your personal verification questions to anyone. This information is designed to protect your account information, but it can only be effective if it is kept private.
  • Select an unusual watermark and watch for its appearance after you enter your User ID. If you do not see the watermark you selected, you should not enter your PIN and you should call our Internet Banking department immediately (860-928-7921).
  • Remember that we will never contact you via e-mail asking you to furnish your PIN, social security number, mother's maiden name or any other confidential information. There are no pop-up windows on our website that request such information. If you receive such a request it is not legitimate; please contact our Internet Banking department immediately (860-928-7921).
  • Use care when selecting your PIN. Don't select PINs that can be easily guessed. Don't select a PIN that is so complex that you have to write it down.
  • Do not use the same or similar PIN for online banking as you use on social networking sites such as, My Space, Facebook or Twitter.
  • Do not use the same or similar PIN for online banking as you use on shopping sites such as Amazon, eBay, Craigs List etc...
  • Change your PIN periodically.
  • Don't leave your computer unattended while you're logged on.
  • When you have finished your e-Banking session, you should log off before visiting other Internet sites.
  • Do not change the pseudo names for your accounts to their numeric account numbers.
  • Do not click on links within emails you are not familiar with.
  • Scrutinize your emails. If you are not familiar with the sender, do not open the email.
  • Do not open unsolicited requests. Simply delete it.
  • Enlist the use of spam detection and/or pop up blocking on your computer.
  • Do not fall prey to telephone scams asking you to disclose personal information such as account number, social security number, ATM or Debit Card number, mother’s maiden name, date of birth etc… Hang up the phone and call The Citizens National Bank (860-928-7921) to report the inquiry.
  • Only access your personal financial information from a computer you "trust." Publicly accessible computers are not as secure as your personal computer.
  • Strengthen the defenses on your PC by using and regularly updating personal firewall, virus scanning and anti-spyware software. These programs will reduce the risks that your PC will be vulnerable to penetration. These programs are designed to help protect your confidential information from interception and unauthorized disclosure.
  • Do not log into e-Banking if you suspect a virus or spyware has infected your PC.
  • Keep your browser updated. The newest versions have the latest safety features.
  • Stay up-to-date on Internet threats. The Federal Trade Commission (“FTC”) maintains a consumer education website called “OnguardOnline” that provides practical tips to help you be on guard against Internet fraud, secure your computer, and protect your personal information. Go to The Federal Trade Commission website.

If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at 860-928-7921 or toll free at 888-928-7921.

Avoid Identity Theft

What Is Identity Theft?

The Citizens National Bank employees will never ask you for your Online Banking password.  In addition, The Citizens National Bank will never request that you send email containing your personal or financial information.

The Citizens National Bank wants to help you to protect yourself against online scams.  Email fraud is a common and damaging method used to scam consumers.   Fraudulent email scams are described below:

  • Phishing:  Phishing schemes use forged emails claiming to be from someone that you know and trust (like your Bank or the FDIC).  They attempt to get you to reveal sensitive information like user ID’s , passwords, debit card numbers, account numbers, social security numbers, etc.  This information can then be used to access your accounts, finances, and your identity.
  • Spoofing:  Most forged emails ask you to supply, confirm, or update personal information by directing you to click on a link in the body of the email text.  The link will connect you to a web page or login page that appears identical to the actual website’s.  This is referred to as a “spoofed” site.  The site will appear to belong to the company but in fact is totally unrelated and is being used to collect your information!

What are email scams such as "Phishing"?

"Phishing" is a scam that uses fraudulent emails with “urgent” (but false) messages and even websites to obtain personal financial information.  In a typical case you would receive an email requesting personal or financial information; the email would appear to originate form a trusted entity, would have emphasis on the urgency to respond, and contain a threat of terrible consequences if you didn’t respond immediately by providing the requested information or clicking the link provided.   By posing as trusted brands of well-known banks, online retailers and credit card companies, "phishers" are able to convince recipients to respond to them and to provide personal and financial information. 

How to avoid "Phishing" scams:

  • Be suspicious of any email with urgent requests for personal financial information.  (Remember, Citizens National Bank will never ask you for that information— we already have it on file.)  Do not be intimidated by an email that suggests dire consequences and DO NOT respond to the email or click the link provided.
  • Don't use links provided in an email.  If you suspect the message might be authentic, call the company or log onto the website directly by typing in the web address in your browser.
  • Be cautious about opening any attachments or downloading any files from emails.
  • Regularly log on to your online accounts and review your transaction history to ensure only legitimate transactions have occurred.
  • Ensure that your browser is up to date and security patches are applied. If you use Microsoft Internet Explorer browser, visit www.microsoft.com/security to download special patches related to "phishing" scams.

What is "Spoofing"?

Spoofing is the use of a website or email that appears to come from a well known company but is phony.  For example, an Online Banking customer, who routinely logs in to an online banking website, may be redirected to an illegitimate web page instead of accessing his or her bank’s website.  These spoofed websites are then used to obtained password/PIN, credit card information, ATM/Debit information, social security number, Bank account information.

Spoofed websites are utilized in many ways:

  • Static domain name spoofing: The "pharmer" (the person or entity committing the fraud) attempts to take advantage of slight misspellings in domain names to trick users into inadvertently visiting the pharmer’s web site. For example, a pharmer may redirect a user to anybnk.com instead of anybank.com which is the site the user intended to access.
  • Malicious software (Malware): Viruses and "Trojans" (latent malicious code or devices that secretly capture data) on a consumer's personal computer may intercept the user's request to visit a particular site, such as anybank.com, and redirect the user to the site that the pharmer has set up.
  • Phishing emails often contain links to spoofed websites (see “Phishing Section”).
  • Domain Name Servers (DNS) poisoning: The most dangerous instance of pharming may be DNS poisoning. Domain name servers are similar to Internet road map guides. When an individual enters www.anybank.com into his or her browser, DNS on the Internet translate the phrase anybank.com into an Internet protocol (IP) address, which provides routing directions. After the DNS server provides this address information, the user's connection request is routed to anybank.com. Local DNS servers can be "poisoned" to send users to a website other than the one that was requested. This poisoning can occur as a result of misconfiguration, network vulnerabilities or Malware installed on the server.

Although there’s no fool proof way to spot a spoof email or website, these signs should arouse your suspicion:

  • Sense of Urgency – emails containing statements that imply that your account will be closed if you don’t respond.
  • Emails that contain embedded links – even if the name includes all or part of a real company name.
  • Obvious Spelling Errors – errors are made to help the spoof email avoid the spam filters.
  • If you get an email or pop-up message that asks for personal or financial information, do not reply.  Don’t click the link in the message either.  Open a new internet browser session and type in the company’s correct web address yourself.  Don’t cut and paste the link from the message into your Internet browser-legitimate companies don’t ask for this information via email.

How to protect yourself from Financial Fraud and Identity Theft:

  • Never provide your personal information in response to an unsolicited request.
  • Never write or give your ATM/Debit card Personal Identification Number (PIN) to anyone.  Never give your online banking password to anyone.
  • Never give out personal information such as your checking or savings account number, credit card number or social security number, through the mail, telephone or Internet, unless you have initiated the contact and you are certain that the company is reputable.
  • Never click on the link provided in an email. 
  • Report to the bank any lost or stolen ATM/Debit Card or lost or stolen personal checks.
  • Balance your checking or savings account statement every month and report any unauthorized transactions to the bank immediately.
  • Regularly review credit card statements to check for unauthorized charges.
  • Shred your charge receipts, credit card applications, insurance forms, old checks, bank statements, anything that contains any of your personal identification.

If you’re a victim of Identity Theft:

  • Call the ID Theft Clearinghouse toll free at 1-877-438-4338 to report the theft.
  • Place a Fraud Alert on your file at all three agencies.
  • Contact the fraud departments of each of the credit agencies:
  1. Equifax  http://www.equifax.com/   1(800)-525-6285
  2. Experian  http://www.experian.com/  1(800)-397-3742
  3. TransUnion  http://www.transunion.com/  1(800)-680-7289
  • Contact The Citizens National Bank at 860-928-7921 and your credit card companies immediately to stop access to your accounts.
  • Stop payment on fraudulent transactions or stolen checks.
  • File a police report with your local police department or the police in the community in which the identity theft occurred.
  • Report all suspicious contacts to the Federal Trade Commission; http://www.ftc.gov/bcp/edu/microsites/idtheft/ or 1-877-IDTHEFT

For More Information

You can learn more about this important issue at the US Government central website. And if we can help you in any way with this important issue, please contact us at 860-928-7921.