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Corporate Account Takeover (CATO)

Corporate Account Takeover is a type of business identity theft where cyber thieves gain control of a business' bank account by stealing employee passwords and other valid credentials. Thieves can then initiate fraudulent wire and ACH transactions to accounts controlled by the thieves. Businesses across the United States have suffered large financial losses from electronic crimes through the banking system. These thefts have ranged from a few thousand to several million dollars. It is important to remember that electronic crimes are dynamic as cybercriminals continually change their techniques. For additional information, please contact First State Bank at 712-364-3181.

Onguard Online

OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you be on guard against internet fraud, securing your computer and protecting your personal information. As a reminder, NEVER give personal information to anyone over the phone, the internet, or through the mail that you are not familiar with or did not initiate.

Do Not Call Registry

The National Do Not Call Registry is putting consumers in charge of the telemarketing calls they receive at home. The National Registry was created by the Federal government to make it easier and more efficient for you to stop getting telemarketing calls you don’t want. You can register online or call toll-free 1-888-382-1222 (TTY 1-866-290-4236) from the number you wish to register. Registration is free and does not expire. If you have previously registered your number, there is no need to register again.

Avoid Money Wiring Scams

Scam artists pretend to be someone they aren’t and tell bogus stories to con you into wiring them money. The crooks will give pretty convincing reasons to wire the money. They might say you owe the IRS taxes and you’ll be arrested if you don’t pay up. Or that you won a federal grant and have to pay a processing fee to get your money. Some even go as far as telling you a loved one’s in trouble and needs your help. They might tell you to use a money wiring service to add funds to an account number they give you, referring to it as a case number or account number, but it’s not. Once the transfer goes through, the money’s gone and you can’t get it back. Government agencies will NEVER ask you to pay by wiring money and neither will legitimate businesses. If some insist you pay by wiring money, it’s a scam. Don’t do it. Instead, report it to your local police and to the Federal Trade Commission at www.ftc.gov/complaint or 1-877-FTC-HELP.

RESOURCES FOR BUSINESS ACCOUNT HOLDERS

ADDITIONAL HELPFUL LINKS

Savings Bonds Information at TreasuryDirect

Free Credit Report

Federal Deposit Insurance Corp (FDIC)

Electronic Deposit Insurance Estimator (EDIE)

Iowa Division of Banking

State of Iowa Official Website

Financial Calculator

Federal Trade Commission Tips to Stay Safe & Secure Online

 

 

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