First Citizens Bank of Kentucky

Web Disclaimer

Web Disclaimer: Although every attempt has been made to ensure the reliability of all information contained herein, some inaccuracies may exist. For this reason, First Citizens Bank does not certify the accuracy of any of the reported data and expressly disclaims all liability to persons who access this site. This web site may link to external web sites for your convenience. This is for informational purposes only. Linked sites are not under the control of First Citizens Bank and thus we are not responsible for the content of these sites. Further, the act of linking to other external sites is not an endorsement of these sites by First Citizens Bank.

Fraud Prevention

First Citizens Bank wants to help you protect yourself against internet scams. Fraudulent email is currently one of the most common and potentially damaging methods used to scam customers online. Education, awareness, and knowledge of a few simple tips will make it less likely that you will fall victim to one of these scams.

First Citizens Bank will never ask you to send personal or financial information by email or through a link in an email.

Common Scams Defined:

Phishing – These are bogus emails that appear to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the email may appear to come from a government agency. The emails typically attempt to get you to reveal information like user IDs, passwords, bank account numbers, social security numbers, or other sensitive information. This information can be used to access your accounts, financial information, or to perpetrate identity theft.

Spoofing – A “spoofed” site is one that appears to belong to a legitimate company. The site may even look like the legitimate company’s site utilizing their colors and, perhaps, their logo. Typically a bogus email is received asking you to supply, confirm or update sensitive personal information by clicking on a link in the email. The goal of the criminal is to get you to enter the requested information so that they can steal it for their purposes.

Tips to Protect Yourself:

Never provide your personal information in response to an unsolicited request.
If you believe the contact may be legitimate, contact the financial institution yourself.
Never provide your password over the phone or in response to an unsolicited Internet request unless you initiated the contact.
Review account statements regularly to ensure all charges are correct.

What to do if You Become a Victim:

Contact your financial institution immediately and alert it to the situation.

If you have disclosed sensitive information, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file. The following is contact information for each bureau’s fraud division:

Equifax (800) 525-6285

Experian (888) 397-3742

Tr ansUnion (800) 680-7289

If you suspect that you’ve received a fraudulent email, DO NOT RESPOND TO THE EMAIL! Contact us at (270) 769-2301.

Other sources of assistance:

To view more information about avoiding identity fraud and theft and to learn about Identity Watch^SM – a service we offer through Members First and Premier Members Checking, please click here.

Or to view the informative federal regulator's brochure "You Have The Power To Stop Identity Theft" please click here.

More information is available from the FTC (Federal Trade Commission) website. Click here to learn more.