Security Updates for Browsers & Operating Systems
At Hearthside Bank, your online safety is of the utmost importance. We encourage you to be sure your web browsers (such as Internet Explorer, Safari, Firefox, Chrome) and operating systems (i.e. Windows, Android, iOS) are up to date. Old versions that are no longer supported by the provider stop receiving critical security updates. Please check your web browsers and operating systems on your computers and mobile devices regularly and install updates whenever possible.
What is Identity Theft?
If you think you have been a victim of identity theft and not sure what steps to take?
How can someone steal your identity?
Identity theft occurs when someone uses your personal information such as your name, Social Security Number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
Identity theft is a serious crime. People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.
How do they go about stealing my identity?
Identity thieves may use a variety of low- and high-tech methods to gain access to your personally identifying information.
They get confidential information by:
How can I tell if I'm a victim of identity theft?
Monitor the balances of your financial accounts. Look for unexplained charges or withdrawals.
Other indications of identity theft include:
Although any of these indications could be a result of a simple error, you should not assume that there's been a mistake and do nothing. Always follow up with the business or institution to find out.
What can I do to protect myself?
As with any crime, you can't guarantee that you will never be a victim, but you can minimize your risk. By managing your personal information widely, cautiously and with an awareness of the issue, you can help guard against identity theft.
Information on Credit Bureaus
If an identity thief is opening new credit accounts in your name, these accounts are likely to show up on your credit report. You can find out by ordering a copy of your credit report from any of three major credit bureaus. Check your report carefully to make sure it is accurate. See what should I look for on a credit report to indicate identity theft? If you do find any inaccurate information, you should check your reports from the other two credit bureaus. Note: If your personal information has been lost or stolen, you should check all of your reports more frequently for the first year.
To report fraudulent tax filings/tax refunds click the link below for the IRS website and follow the instructions:
Since 1920, Hearthside Bank has gone the extra mile to protect our customers' privacy. One cornerstone of our corporate belief is the importance and value of your trust. Our management and employees work and plan every day to earn, safeguard and keep that trust. No matter how you do business with Hearthside Bank one thing is the same: YOUR PRIVACY IS OUR TOP PRIORITY!
Your relationship with us means you provide Hearthside Bank with important personal information about you and your family. We have always been careful to safeguard the privacy of that information. Our Privacy Statement spells out an important fact. We do not disclose any information about you to anyone except for companies we work with to provide services to you; such as the Credit Bureau. We have never sold your name and address to another organization for any purpose nor do we ever intend to do so.
We value our customers and will continue to safeguard the confidentiality, security and integrity of all your private information.
Rapport from Trusteer
Download the Rapport online fraud protection software from Trusteer – free from Hearthside Bank. Rapport adds an additional layer of security, helping protect you while you're signed in to our site.
Protection Against Malware
Along with viruses, your computer can get infected with malware. Malware can come in several forms such as adware, spyware, hijackers, and toolbars to name a few. These types of programs can hijack your browsers, redirect your search attempts and capture your key strokes.
Rapport works alongside your anti-virus software and firewall to help:
Additional Security at No Charge
In just minutes, you can download Rapport. It's free and requires no registration, restart or commitments. Plus, as future updates become available, they are pushed to the product automatically at no charge.
Please click below to stop the Rapport pop-up from displaying and opt-out of the download option and contact our Customer Service Center.
Hearthside Bank is concerned about your financial security and we want to help keep you safe from possible fraud attempts. Fraud Schemes can come in many different forms and variations but they all share one common goal, to steal your money and/or your identity. Below we have posted a couple of the most frequent and recent fraud schemes. These are examples of fraud that you may encounter but, there are many others.
Unemployment Insurance Fraud
There are two common ways individuals become aware they are a victim of unemployment insurance fraud. First, when an employer or previous employer notifies an individual that an unemployment insurance claim was filed in their name. Second, when an individual receives a 1099-G IRS Tax Form from the state where an unemployment insurance claim was made despite not filing for unemployment insurance during that calendar year.
If you are a victim of unemployment insurance fraud, you can file a report with the Kentucky Labor Cabinet for Kentucky residents, or visit the Tennessee Department of Labor and Workforce Development for Tennessee residents.
Sweepstake or Prize Winning Payout
When you receive notice in the mail that you are one of the big winners of a "Consumers Promotional Drawing" organized for customers of Wal-Mart, Sears, Kohl's, Walgreens or other major retail stores.
Here are some of the warning signs of Prize or Sweepstake fraud:
If you receive one of these notices in the mail please do not respond. Don't deposit the check into your account and don't send them any money. The checks are fraudulent.
When you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.
Here are some warning signs of telemarketing fraud-what a caller may tell you:
If you hear these or similar "lines" from a telephone salesperson, we recommend that you say, "No thank you" and hang up the telephone.
If you feel you may have been a victim of fraud, please contact us immediately.
**False Email Alert
Hearthside Bank is always going the extra mile to protect your privacy. With this in mind, we do not send emails asking for account information, personal information or passwords. If you receive an email that asks for any of the information mentioned above or prompts you to visit another site please disregard this email and contact us directly.
What is "Phishing"?
Internet scammers casting about for people's financial information have a new way to lure unsuspecting victims: They go "phishing."
Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security Number, passwords or other sensitive information.
How do I identify a Phishing attempt?
According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a business or organization that you deal with - for example, your Internet service provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information. It might threaten some dire consequence if you don't respond. The message directs you to a Web site that looks just like a legitimate organization's site, but it isn't. What's the purpose of the phony site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit a crime in your name.
How can I protect myself from Phishing?
The FTC, the nation's consumer protection agency, suggests these tips to help you avoid getting hooked by a phishing scam:
Where can I get more information on phishing?
The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or get free information on consumer issues visit www.ftc.gov or call toll-free, 877-FTC-HELP (877-382-4357); TTY: 866-653-4261.