Security

According to the Federal Trade Commission, 2.6 million consumers reported $10 billion+ in losses to fraud in 2023. Typically, these scams come in the form of emails, text messages, voice calls, and mailed letters. Take these simple steps to protect yourself.

1. Update your contact information so we can contact you if we suspect fraud. Here’s how: Log into your digital banking account, click on your account name in the top right corner, select “Contact Information” from the drop-down menu, and update missing or outdated information.
2. Enable account alerts so we can notify you when a transaction occurs or if it fits certain criteria that you’ve determined. Make sure to review your alerts as close to real-time as possible to validate the transactions. Use the “Watch Video” button below to view a quick video to walk you through the process.
3. Enroll in Positive Pay if you have a business checking account to receive alerts of potential ACH and check fraud. Set up a list of verified payees to receive daily email alerts prompting you to confirm if transactions match those records. Positive Pay also reports inconsistencies in check numbers, dollar amounts, and payees. Call our product support team at (636) 940-5555 to enroll.
4. Stay aware of common scamming methods to spot and report potential fraud immediately.

Like so much of daily life, our personal and business banking relies increasingly on technology. First State Bank of St. Charles uses fraud text alerts, multi-factor authentication, and other measures to protect customer accounts and information. Take these steps to heighten your data security:

• Do your research before purchasing a device or online product.
• Create strong passwords and use multi-factor authentication.
• Check your security and privacy settings and update default passwords when you set up a new device or app.
• Think before you click on suspicious emails, links, or attachments. Report suspicious emails to the Internet Crime Complaint Center (IC3).
• Update your computer or mobile device software regularly to keep hackers from exploiting vulnerabilities or bugs from outdated software.

Check out these resources from the Federal Bureau of Investigation for additional information on ensuring your personal cybersecurity:

• Combating Cyber Threats
• List of Common Scams
• Internet Crime Complaint Center (IC3)
• Safe Online Surfing Program

Is your card lost or stolen? Please contact us as soon as possible.

During normal business hours, call (636) 940-5555.

After regular business hours, call our Debit Card Hotline at 1 (800) 472-3272 to cancel your current debit card. Please call the bank on the next business day to order a replacement card.