Texas First Bank's online banking uses the latest technology developed to safeguard data through encryption of information. This creates barriers between systems that can only be crossed with authorized passwords.
Multiple layers of advanced security tools including cryptography, firewalls, and trusted operating systems are used to prevent tampering and ensure the privacy of your account information.
Do not allow Windows to remember your password for online banking. This could expose your account to unauthorized access if someone has access to your computer. Texas First Bank's website supports the highest level of encryption that your browser will provide.
A scam, called "phishing" or "carding," uses spam to trick readers into revealing their credit card numbers, bank account information, social security numbers, passwords and other sensitive information. Texas First Bank will never request you to send us any of your personal information by email.
To avoid getting hooked by a phishing scam, the Federal Trade Commission says:
If you get an email (with little or no notice) that one of your accounts will be closed unless you reconfirm billing information, do not reply or click on the link in the email. Instead contact the company cited using a telephone number or website address you *know* is genuine.
Avoid emailing personal and financial information.
Review credit card and bank account statements as soon as you receive them for any unauthorized charges.
For more information, visit the Federal Trade Commission's phishing website.
Skilled identity thieves use a variety of methods to gain access to your personal information. For example:
They get information from businesses or other institutions by:
- Stealing records from their employer,
- Bribing an employee who has access to these records, or
- Hacking into the organization's computers.
- They rummage through your trash, or the trash of businesses, or dumps, in a practice known as dumpster diving.
- They obtain credit reports by abusing their employer's authorized access to credit reports or by posing as a landlord, employer, or someone else who may have a legal right to the information.
- They steal credit and debit card numbers as your card is processed by using a special information storage device in a practice known as skimming.
- They steal wallets and purses containing identification and credit and bank cards.
- They steal mail, including bank and credit card statements, pre-approved credit offers, new checks, or tax information.
- They complete a change of address form to divert your mail to another location.
- They steal personal information from your home.
- They scam information from you by posing as a legitimate businessperson or government official.
Once identity thieves have your personal information, they may:
- Go on spending sprees using your credit and debit card account numbers to buy big-ticket items like computers that they can easily sell.
- Open a new credit card account, using your name, date of birth, and SSN. When they don't pay the bills, the delinquent account is reported on your credit report.
- Change the mailing address on your credit card account. The imposter then runs up charges on the account. Because the bills are being sent to the new address, it may take some time before you realize there's a problem.
- Take out auto loans in your name.
- Establish phone or wireless service in your name.
- Counterfeit checks or debit cards, and drain your bank account.
- Open a bank account in your name and write bad checks on that account.
- File for bankruptcy under your name to avoid paying debts they've incurred, or to avoid eviction.
- Give your name to the police during an arrest. If they are released and don't show up for their court date, an arrest warrant could be issued in your name.