09/08/2020

Unfortunately, uncertain times often set the scene for scams and fraud.  Customers have made us aware that they are receiving scam telephone calls with the caller ID showing the call is coming from First Community Bank. 

Please remember that First Community Bank will never contact customers by phone, email, or social media to ask you to verify or provide personally identifiable or confidential information.  If someone claiming to represent First Community or People’s Community Bank contacts you and asks you to verify or provide personal or confidential information, don’t provide that information! 

Contact your branch to verify the need for such data.  We’ll gladly address your questions or concerns.  As always, thank you for being a valued member of the First Community Bank financial family.

 

04/14/2020

We believe in facing fear with facts.

Unfortunately, even as our world fights COVID-19, fraudsters are finding ways to take advantage of fears related to the virus. Therefore, American Bankers Association, First Community Bank and People’s Community Bank encourage you to learn more about the most common scams associated with the pandemic and ways you can protect yourself, your family and your financial resources through this difficult time.
Some common scams include:

  • 𝗣𝗵𝗶𝘀𝗵𝗶𝗻𝗴 𝗮𝗻𝗱 𝘀𝘂𝗽𝗽𝗹𝘆 𝘀𝗰𝗮𝗺𝘀. Scammers impersonate health organizations and businesses to gather personal and financial information or sell fake test kits, supplies, vaccines or cures for COVID-19.
  • 𝗦𝘁𝗶𝗺𝘂𝗹𝘂𝘀 𝗰𝗵𝗲𝗰𝗸 𝗼𝗿 𝗲𝗰𝗼𝗻𝗼𝗺𝗶𝗰 𝗿𝗲𝗹𝗶𝗲𝗳 𝘀𝗰𝗮𝗺𝘀. You may be entitled to receive government funds to help ease the economic impact of the virus via check or direct deposit. However, the government will NOT ask for a fee in order for you to receive the funds, nor will you need to provide an outside entity with your personal or account information.
  • 𝗖𝗵𝗮𝗿𝗶𝘁𝘆 𝘀𝗰𝗮𝗺𝘀. Fraudsters seek donations for illegitimate or non-existent organizations.
  • 𝗗𝗲𝗹𝗶𝘃𝗲𝗿𝘆 𝗼𝗳 𝗺𝗮𝗹𝘄𝗮𝗿𝗲 through “virus-tracking apps” or sensationalized news reports.
  • 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿 𝘀𝗰𝗮𝗺𝘀. Scammers impersonate doctors and hospital staff and contact victim claiming to have treated a relative or friend for COVID-19 and demand payment for treatment.
  • 𝗕𝗮𝗻𝗸/𝗙𝗗𝗜𝗖 𝘀𝗰𝗮𝗺𝘀: Scammers impersonate FDIC or bank employees and falsely claim that banks are limiting access to deposits or that there are security issues with bank deposits.
  • 𝗜𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝘀𝗰𝗮𝗺𝘀 often styled as “research reports,” claiming that products or services of publicly traded companies can prevent, detect, or cure COVID-19.

𝟭𝟬 𝗧𝗼𝗽 𝗔𝗕𝗔 𝘁𝗶𝗽𝘀 𝘁𝗼 𝗮𝘃𝗼𝗶𝗱 𝗯𝗲𝗰𝗼𝗺𝗶𝗻𝗴 𝗮 𝘀𝗰𝗮𝗺 𝘃𝗶𝗰𝘁𝗶𝗺

𝟭. 𝗪𝗮𝘁𝗰𝗵 𝗼𝘂𝘁 𝗳𝗼𝗿 𝗽𝗵𝗶𝘀𝗵𝗶𝗻𝗴 𝘀𝗰𝗮𝗺𝘀. Phishing scams use fraudulent emails, texts, phone calls 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, and NEVER give your password, account number or Personal Identification Number [PIN] to anyone.

𝟮. 𝗜𝗴𝗻𝗼𝗿𝗲 𝗼𝗳𝗳𝗲𝗿𝘀 𝗳𝗼𝗿 𝗮 𝗖𝗢𝗩𝗜𝗗-𝟭𝟵 𝘃𝗮𝗰𝗰𝗶𝗻𝗲, 𝗰𝘂𝗿𝗲 𝗼𝗿 𝘁𝗿𝗲𝗮𝘁𝗺𝗲𝗻𝘁. If there is a medical breakthrough, it wouldn’t be reported through unsolicited emails or online ads.

𝟯. 𝗥𝗲𝗹𝘆 𝗼𝗻 𝗼𝗳𝗳𝗶𝗰𝗶𝗮𝗹 𝘀𝗼𝘂𝗿𝗰𝗲𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗺𝗼𝘀𝘁 𝘂𝗽-𝘁𝗼-𝗱𝗮𝘁𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻 𝗼𝗻 𝗖𝗢𝗩𝗜𝗗-𝟭𝟵. Visit the Centers for Disease Control and Prevention, World Health Organization and your state’s health department websites to keep track of the latest developments.

𝟰. 𝗥𝗲𝗺𝗲𝗺𝗯𝗲𝗿 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲 𝘀𝗮𝗳𝗲𝘀𝘁 𝗽𝗹𝗮𝗰𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗺𝗼𝗻𝗲𝘆 𝗶𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗯𝗮𝗻𝗸. It’s physically secure, and it’s federally insured. When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured by the government. You don’t have the same level of protection when your money is outside the banking system.

𝟱. 𝗗𝗼 𝗮 𝗹𝗶𝘁𝘁𝗹𝗲 𝗿𝗲𝘀𝗲𝗮𝗿𝗰𝗵 𝗯𝗲𝗳𝗼𝗿𝗲 𝗺𝗮𝗸𝗶𝗻𝗴 𝗮 𝗱𝗼𝗻𝗮𝘁𝗶𝗼𝗻. Be wary of any business, charity or individual requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or through the mail.

𝟲. 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.

𝟳. 𝗥𝗲𝗰𝗼𝗴𝗻𝗶𝘇𝗲 𝗮𝗻𝗱 𝗮𝘃𝗼𝗶𝗱 𝗯𝗼𝗴𝘂𝘀 𝘄𝗲𝗯𝘀𝗶𝘁𝗲 𝗹𝗶𝗻𝗸𝘀. Cybercriminals embed malicious links to download malware onto devices or route users to bogus websites. Hover over suspicious links to view the actual URL that you are being routed to. Fraudulent links are often disguised by simple changes in the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.

𝟴. 𝗖𝗵𝗮𝗻𝗴𝗲 𝘆𝗼𝘂𝗿 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝘀𝗲𝘁𝘁𝗶𝗻𝗴𝘀 𝘁𝗼 𝗲𝗻𝗮𝗯𝗹𝗲 𝗺𝘂𝗹𝘁𝗶-𝗳𝗮𝗰𝘁𝗼𝗿 𝗮𝘂𝘁𝗵𝗲𝗻𝘁𝗶𝗰𝗮𝘁𝗶𝗼𝗻 𝗳𝗼𝗿 𝗮𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝘁𝗵𝗮𝘁 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗶𝘁. Multi-factor authentication—or MFA—is a second step to verify who you are, like a text with a code.

𝟵. 𝗕𝗲𝗳𝗼𝗿𝗲 𝘆𝗼𝘂 𝗺𝗮𝗸𝗲 𝗮𝗻𝘆 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀, 𝗿𝗲𝗺𝗲𝗺𝗯𝗲𝗿 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲𝗿𝗲 𝗶𝘀 𝗮 𝗵𝗶𝗴𝗵 𝗽𝗼𝘁𝗲𝗻𝘁𝗶𝗮𝗹 𝗳𝗼𝗿 𝗳𝗿𝗮𝘂𝗱 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄. You should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For information on how to avoid investment fraud, visit the U.S. Securities and Exchange Commission website, https://www.sec.gov/.

𝗛𝗲𝗹𝗽 𝗼𝘁𝗵𝗲𝗿𝘀 𝗯𝘆 𝗿𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝗰𝗼𝗿𝗼𝗻𝗮𝘃𝗶𝗿𝘂𝘀 𝘀𝗰𝗮𝗺𝘀. Visit the FBI's Internet Crime Complaint Center at www.ic3.gov (Opens in a new Window)to report suspected or confirmed scams. You can also stay up-to-date on the latest scams by visiting the FTC’s coronavirus page at ftc.gov/coronavirus.