Jewett City Savings Bank will never request a customer’s personal information by phone, through email, or provide links within an email to update information. We will never ask you to tell us your PIN for your ATM or debit card or your password for online banking.
What You Need To Know About Electronic Fund Transfers (EFTs)
An EFT is a transaction initiated through an electronic device, such as a terminal, telephone or computer, that instructs the bank to debit or credit your account. EFT transactions include ATM and Point of Sale (POS) transactions, direct deposits to your account, automatic payments from your account to a third party, and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. Most consumers have EFT transactions processed through their accounts – some even on a daily basis. That’s why it is important to know your rights and responsibilities regarding EFTs.
- Limitations on Transactions
- Consumer Liability for Unauthorized Transactions
- Your Responsibility to Notify Us
- In Case of Errors or Questions About Your Transactions
- Notice of Overdraft Services for ATM and Debit Card Transactions
Protect Yourself Online
Though the Internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. You can take some simple precautions to protect yourself and your personal information online.
Protect Your Identity
Identity theft continues to be one of the fastest growing crimes in the United States. Identity theft occurs when a criminal obtains and misuses someone’s personal information without permission, typically for economic gain. For many victims, it can result in drained bank accounts, poor credit, and a damaged reputation.
Protect Your Business from Account Fraud
Businesses are vulnerable to a type of identity theft known as corporate account takeover. The risk of corporate account takeover is greater if your business uses online banking or other online cash management services.
Cyber criminals are targeting small and mid-sized businesses, as well as non-profit organizations, with phishing and other social engineering attacks to install malicious software (malware) on a business’ computers. If undetected, the malware can capture the business’ online banking credentials, hijack online banking sessions, or even gain remote control of the business’ computers. When they have obtained the needed information, they are able to access the business’ accounts online and transfer the business’ money into accounts controlled by the cyber criminals, usually through wire transfer or ACH transactions.
Report Suspicious Activity
If you notice unauthorized or suspicious activity on your account, or to report a lost, stolen or compromised ATM card, debit card or PIN, you may call any branch office during lobby hours to speak with a customer service representative.
During non-business hours, you may call us at 1-800-264-5578 (before 8:00 a.m. and after 4:00 p.m. Monday through Friday, weekends, and holidays) to report a lost, stolen or compromised ATM card, debit card or PIN.
If you notice unauthorized or suspicious activity through online banking, or if you believe your online banking username or password has been compromised, call us at 860‑376‑4444.