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EQUIFAX BREACH

As you may be aware, Equifax experienced a rather large security breach impacting approximately 143 million U.S. consumers.  There is a website, www.equifaxsecurity2017.com where you can check to see if your information has been compromised.  As always, please be sure to read all disclosures and terms of use associated before enrolling in the protection plan.

The following informative article was listed on CyberheistNews:

 

Equifax Phishing Attacks

You may already know that 143 million Equifax records were compromised. The difference with this one is that a big-three credit bureau like Equifax tracks so much personal and sometimes confidential information like social security numbers, full names, addresses, birth dates, and even drivers licenses and credit card numbers for some. It can be the difference between being able to buy a house or sometimes even get a job or not. This breach and the way they handled it, including the announcement, was what Brian Krebs rightfully called a dumpster fire. The problem is that with this much personal information in the hands of the bad guys, highly targeted spear phishing attacks can be expected, and a variety of other related crime like full-on identity theft on a much larger scale. These records are first going to be sold on the dark web to organized crime for premium prices, for immediate exploitation, sometimes by local gangs on the street. Shame on Equifax for this epic fail. They will be sued for billions of dollars for this web-app vulnerability.

So this Scam of the Week covers what is inevitable in the near future, we have not seen actual Equifax phishing attacks at this point yet, but you can expect them in the coming days and weeks because the bad guys are going to take their most efficient way to leverage this data... email.

"Cyber criminals have stolen 143 million credit records in the recent hacking scandal at big-three credit bureau Equifax. At this point you have to assume that the bad guys have highly personal information that they can use to trick you. You need to watch out for the following things:
  • Phishing emails that claim to be from Equifax where you can check if your data was compromised
  • Phishing emails that claim there is a problem with a credit card, your credit record, or other personal financial information
  • Calls from scammers that claim they are from your bank or credit union
  • Fraudulent charges on any credit card because your identity was stolen
Here are 5 things you can do to prevent identity theft:
  • First sign up for credit monitoring (there are many companies providing that service including Equifax but we cannot recommend that)
  • Check your credit reports via the free annualcreditreport.com
  • Check your bank and credit card statements for any unauthorized activity
  • If you believe you may have been the victim of identity theft, here is a site where you can learn more about how to protect yourself: www.idtheftcenter.org. You can also call the center’s toll-free number (888-400-5530) for advice on how to resolve identify-theft issues. All of the center’s services are free.

 

 

 

Scams and Fraud

Unfortunately in today’s world, it is more than likely that you or someone you know will be targeted in a scam. Being aware of the various scams out there is the best way to avoid them! We have created a short list of "Red flags" to help you avoid becoming a victim of fraud. You may also want to read the FDIC’s article, “10 Scams Targeting Bank Customers” for more information. Remember, these are just a sample of scams, there are many variations out there.  Please feel free to call your bank or local law enforcement if you feel you are being targeted in a scam or if you have any further questions. 


 If you want to customize your debit card PIN you can call 877-265-9594.


   Download your HSA Contribution form here! 


    MOBILE BANKING with MOBILE CAPTURE 

We are very excited to offer this new product and would like to take a little time to educate our customers on how to use this new service. Simply search for "The Wanda State Bank" in your store and download it.  If you have already enrolled in online banking all you have to do after downloading it is simply complete the log in process using the app!   It will then store your phone or tablet as an authorized device for your account.  (If you have not opened an online account, you will have to call us to activate it.) The App does not currently offer bill pay, but it will be added very soon 

MOBILE CAPTURE

This is a great way to deposit your checks to your checking account without having to mail them, or deliver them yourself. Just follow the prompts on your phone.  Make sure you properly endorse the check. We REQUIRE these checks to be endorsed as follows: Mobile Deposit Only-followed by your signature. Please retain all checks deposited this way for 60 days.  As you can see the process is quite easy. Please make sure your screen prompts you that your deposit has been accepted for review. If there is a problem during this process the deposit will be immediately denied. If you want to make sure we can reach you immediately, this may be a good time for you to let us know your cell number!!  You should also note the cut off time for mobile deposit will be 2:00!!!  These deposits will not post “real time” and will not be viewable online until we have finished our business for the day and posted them to your account.

The FDIC has a very informative article regarding mobile banking.  Check it out by clicking here!


 CHECK THIS OUT!

Are you unsure if you are FDIC insured? The FDIC has an online tool to help you determine if you are covered. Their site is https://www2.fdic.gov/EDIE/ . Simply click on the green box that says Electronic Deposit Insurance Estimator (EDIE Estimator Tab), enter your information carefully and print your own personalized report.   


    iHELP Private Student Loans for The Wanda State Bank 

 There are many ways to pay the cost of college. After considering federal loans, scholarships and grants you may still have a gap to pay your total college costs. The Wanda State Bank works with iHELP to provide an attractive private student loan. Applying for an iHELP Loan is easy and takes as little as 15 minutes.

 
  

 



 Enrolled in online banking?

Are you already signed up for online access? Have you signed up for our paperless estatements yet? Simply by filling out a short form and returning it to us, you will no longer have to wait by your mailbox wondering where your statement is. Online estatements replace paper statements and look EXACTLY like the ones we mail you. Simply go to our online services page and print, complete and return the forms needed from the eStatements section.  It's so easy! Give it a try, if you don't like it we can always switch you back! 

Are you aware of some of the advanced options?

Set up your own account alerts! There are many options available to you under the accounts tab. Simply go to account alerts and choose one or multiple different options including, Checking/savings balance alerts, check cleared alerts, and loan accounts just to name a few! These can be customized and alerts can be sent to your email address or your phone as a text message.


   

BENEFITS OF ON-LINE BANKING

Established customers can sign up for on-line banking and receive the following benefits:

  • View account history
  • Do account inquiries
  • Transfer funds between owner accounts
  • Make loan payments
  • FREE On-Line Bill pay!!
  • FREE paperless eStatements

If you are not already a valued customer stop in to open an account today and start receiving the service you deserve!

 

  


  

 

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