Resource Center

Security and Fraud Information

When it comes to keeping your personal and financial information safe, it’s important to be proactive. Your friends at First Community Bank are here to help.

Equifax Breach _ Beshear Alerts Kentuckians … Provides Tips on How to Avoid Identity Theft.

10 Scams Targeting Banking Customers _ FDIC

Click Here for the latest FDIC Consumer Newsletter – A Bank Customer’s Guide to Cybersecurity.

Cyber Security - Staying Safe while online.

Computer-related crimes affecting businesses and consumers are frequently in the news. While federally insured financial institutions are required to have vigorous information security programs to safeguard financial data, financial institution customers also need to know how to steer clear of fraudsters.

The following cybersecurity tips were developed by the Federal Deposit Insurance Corporation to provide information to bank customers about protecting and maintaining their computer systems.


Protect your computer. Install software that protects against malware, or malicious software, which can access a computer system without your consent to steal passwords or account numbers. Also, use a firewall program to prevent unauthorized access to your PC. While protection options vary, make sure the settings allow for automatic updates.


Use the strongest method available to log into financial accounts. Use the strongest authentication offered, especially for high-risk transactions. Use passwords that are difficult to guess and keep them secret. Create “strong” user IDs and passwords for your computers, mobile devices, and online accounts by using combinations of upper- and lower-case letters, numbers, and symbols that are hard to guess and then change them regularly. Although using the same password or PIN for several accounts can be tempting, doing so means a criminal who obtains one password or PIN can log in to other accounts.


Understand Internet safety features. You can have greater confidence that a website is authentic and that it encrypts (scrambles) your information during transmission if the web address starts with “https://.” Also, ensure that you are logged out of financial accounts when you complete your transactions or walk away from the computer. To learn about additional safety steps, review your web browser’s user instructions.


Be suspicious of unsolicited e-mails asking you to click on a link, download an attachment, or provide account information. It’s easy for cyber criminals to copy the logo of a reputable company or organization into a phishing email. When responding to a simple request, you may be installing malware. Your safest strategy is to ignore unsolicited requests, no matter how legitimate or enticing they appear.


Be careful where and how you connect to the Internet. Only access the Internet for banking or for other activities that involve personal information using your own laptop or mobile device through a known, trusted, and secure connection. A public computer, such as at a hotel business center or public library, and free Wi-Fi networks are not necessarily secure. It can be relatively easy for cyber criminals to intercept the Internet traffic in these locations.


Be careful when using social networking sites. Cyber criminals use social networking sites to gather details about individuals, such as their place or date of birth, a pet’s name, their mother’s maiden name, and other information that can help them figure out passwords — or how to reset them. Don’t share your ‘page’ or access to your information with anyone you don’t know and trust. Cyber criminals may pretend to be your ‘friend’ to convince you to send money or divulge personal information.


Take precautions with your tablet or smartphone. Consider opting for automatic updates for your device’s operating system and “apps” (applications) when they become available to help reduce your vulnerability to software problems. Never leave your mobile device unattended and use a password or other security feature to restrict access in case your device is lost or stolen. Make sure you enable the “time-out” or “auto- lock” feature that secures your mobile device when it is left unused for a certain period of time. Research any app before downloading it. Consult your financial institution’s website to confirm where to download its official mobile application.


Educate yourself. To learn more about cybersecurity, visit the “Stop. Think. Connect. Resource Guide” at or the National Cyber Secuirty Alliance at

Identity Theft

Identity theft is real and growing. Below are some proven tips to help safeguard your personal and financial information so that it doesn’t fall into the wrong hands.

  • Do not provide your Social Security number unless absolutely necessary.
  • Do not provide bank account, debit card, or credit card information over the phone or through email unless you initiated the conversation. At First Community Bank, we will never call you and ask for account information. If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call. Then contact the company using legitimate sources such as contact phone numbers found on the company’s website, your bank statements, and those listed on your ATM, debit or credit card.
  • Carry only necessary information with you. Leave your Social Security card and unused credits cards in a safe and secure location.
  • Make photocopies (front and back) of vital information you carry regularly and store them in a secure place, such as a safety deposit box. Then, if your purse or wallet is lost or stolen, you have contact information and account numbers readily available.
  • Replace paper invoices, statements and checks with electronic versions, if offered by your employer, bank, utility provider or merchant.
  • Shred documents containing personal or financial information before discarding. Many fraud and identity theft incidents happen as a result of mail and garbage theft.
  • Review your credit report at least once a year to look for suspicious or unknown transactions. You can get a free credit report once a year from each of the three major credit bureaus at

These are just a few tips to protect your personal information safe. If you should become a victim of Identity Theft, notify your bank and credit card provider immediately.

Online Resources:

Protect Your Accounts

  • Report lost or stolen cards or checks to your nearest FCB Banking Center immediately. To report a lost or stolen card, you can also call 1-844-202-5333. Remember with our Mobile Banking app, you can turn your Check Card off if you should lose or misplace it. If it is found, you can easily turn it right back on using our Mobile Banking app.
  • Review account statements carefully and regularly.
  • Limit the amount of information on checks. Don’t print your driver license number or Social Security number on your checks.
  • Store new and cancelled checks in a safe and secure location.

Protect Your Check Cards and ATM Cards

  • Always keep your credit or check card in a safe and secure place. Treat it as you would cash or checks. To report a lost or stolen check card, call your local FCB Banking Center or call 1-844-202-5333. Remember with our Mobile Banking app, you can turn your Check Card off if you should lose or misplace it. If it is found, you can easily turn it right back on using our Mobile Banking app.
  • Do not send your card number through email, as it is typically not secure.
  • Do not give out your card number over the phone unless you initiated the call.
  • When selecting a PIN, don’t use a number or word that appears in your wallet, such as name, birth date, or phone number.
  • Ensure no one sees your PIN when you enter it. Memorize your PIN. Don’t write it down anywhere, especially on your card.
  • Cancel and cut up unused credit and other cards. If you receive a replacement card, destroy your old card.
  • Make sure any internet purchase is secured with encryption to protect your account information. Look for secure transaction symbols such as a lock symbol in the lower right-hand corner of your web browser, or “https://...” in the address bar of the website. The “s” indicates "secured" and means the web page uses encryption.
  • Always log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.

Phishing Scams

Phishing is a form of fraud where the attacker tries to learn your personal information such as user name and passwords or account information by pretending to be a reputable entity or even your bank or credit card provider. The attacker could contact you by phone, email, text message, or other communication channels.

The greatest defense against phishing scams is to never give out personal, account, or card information unless you initiate the communication to a number and person you are confident is your bank, card provider, or service provider. If in doubt, simply don’t give out the information at all.

Online Resource: Consumer Information on Phishing

Pharming Scams

Pharming scams use e-mail solicitations to lure victims to a bogus site. When you click on the link provided in the e-mail, malicious software is installed to re-direct the user to a fraudulent site where personal information can be requested by the scammer. To verify you are visiting a valid website, check for a certificate from a service like VeriSign®. You can locate this information by clicking on the padlock icon that appears in the URL address to view the sites security certificate. Be sure to verify the name on the certificate matches the name on the site.

Be sure to run anti-virus and anti-spyware software and update your computer with the latest security patches and firewalls.

You can find more detailed information regarding Financial Security and Fraud:

If you suspect identity theft or fraud involving your First Community Bank account:

Contact Name Website Phone Number
Equifax Fraud Line: (800) 525-6285
Experian Fraud Line: (800) 397-3742
Trans Union Fraud Line: (800) 680-7289
  1. Contact your nearest First Community Bank or call us toll free at 800.653.4301.
  2. Contact the following three credit bureaus to have a fraud alert placed on your credit report.
  3. File a complaint with the Federal Trade Commission at
  4. File a report with your local law enforcement agency