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Phishing

Phishing is a technique that criminals use to get you to reveal confidential information about your accounts, your debit or credit cards, and yourself. Most often, criminals will send an official-looking electronic communication like an email, to "fish" for users' financial information and passwords.

If you respond to the communication, the information you reveal is used to steal money from your accounts or impersonate you to get fraudulent loans and other financial products without your knowledge, or to commit other illegal acts. The damage done by revealing your information may include loss of funds from your account, damage to your credit rating, hours of frustration and effort to restore your good name.

Don’t Fall Prey to "Phishers!"

Here's how a typical phishing scheme works

• You receive an official-looking email that appears to be sent by a company you already do business with, such as your bank. It uses their logo, similar page appearance, and familiar colors.
• To convince you that the communication is legitimate, the email uses formal business phrasing and tone. You are informed that, as a security measure, you will need verify or reconfirm confidential information to update your records or reactivate a suspended account.
• The email provides a convenient link that appears to take you directly to your bank’s website or it may contain an embedded form for you to complete.
• If you click on the link, you access a web page that strongly resembles your bank’s website (again, with the logo, similar appearance, and familiar colors) and includes an online form for you to complete. The form in the email or the webpage form may ask for your personal information, such as your Social Security Number, mother’s maiden name, account number, debit or credit card number, and personal identification number (PIN). Expert thieves often use familiar standard security measures such as a padlock graphic in the lower corner to present authenticity — a padlock graphic informs you that the website is secure, but it does not verify that the recipient is whom you believe them to be.
• After completing the form, you click the submit button, believing your bank will receive the sensitive information that you provided. Unfortunately, the recipients of this information are criminals who have successfully impersonated your bank.

First Commercial Bank, N.A (USA) will never send you an email or call you for any private information, including your account information. We will, however, verify your identity when you call us using information we already have on file. So, we remind you to guard all of your private information (Social Security Numbers, bank account information, credit card numbers, PINs, passwords and other personal information). Never include such personal information in any email messages.

How can I tell if my identity was stolen?

What should I do if I think my identity was stolen?

First Commercial Bank, N.A (USA) wants to help prevent you and the rest of our customers from falling victim to phishing. As a result, we will never initiate an email and ask you to reveal any private information, including your account information. Rather, only after you have initiated contact with First Commercial Bank, N.A (USA) will a legitimate representative require verification of account holder identity. So, we remind you to guard all your private data (Social Security Numbers, bank account information, credit card numbers – including Personal Identification Numbers (PINs), passwords and other personal information). Never include such personal information in email messages.