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American National Bank provides many account services online as a
convenience for our customers, but you should be aware of potential
risks. Online schemes to obtain account numbers, PINs, and other
personal information are called “phishing” or “pharming” scams, and
they’re becoming more complex and sophisticated. Never, under any
circumstances – no matter how legitimate it sounds – should you
respond to any unsolicited emails, text messages, or automated phone
calls asking for personal information. Always guard your personal
information, and never respond to unsolicited communications,
especially from third parties. American National Bank will never
contact you via text message or automated call and will not ask for
such information. You should never provide any personal information
unless you feel certain you are talking with bank personnel.
Read on to learn how to identify threats, protect your identity, use
email safely, and protect your computer against viruses.
Most Internet or electronic fraud falls
into one of three categories:
Phishing scams are fraudulent emails,
appearing to be from a trusted source, that contain a link to a Web
site. The Web site looks authentic and may even be an exact replica
of the actual site. However, these cloned sites are not related to
the actual business. Once there, users are asked for personal
information (such as username, account numbers, and passwords). The
information is then used to access the user’s accounts and steal
American National Bank will never send an email directing you to
change or confirm your password online. If you receive a message
like this, delete it and notify the bank immediately at (903)
Pharming, also known as “domain spoofing,”
is a scamming practice in which malicious code is installed on a
personal computer or server, misdirecting users to fraudulent Web
sites without their knowledge or consent. A computer that has been
the target of pharming will go to a fake Web site even if the user
types in the correct Internet address or clicks on an affected
bookmark entry. Pharming is different from phishing because the
attacker does not have to rely on the user clicking a link in an
email. That’s why pharming is sometimes referred to as “phishing
without a lure.”
Users are often fooled into entering personal information. Once
personal information, such as a credit card number, bank account
number, or password, has been entered at a fraudulent Web site,
criminals have the information, and identity theft can be the end
When logging into your online banking account, always go to
Malware is software designed to penetrate
or damage a computer without the owner’s knowledge or consent. It
includes computer viruses, worms, trojan horses, spyware, adware,
and other unwanted software.
To reduce your risk to pharming and malware scams, always keep your
computer’s antivirus and Internet security software current.
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|Protecting Your Identity
Identity theft happens when someone uses your name or personal
information to commit financial fraud. By following these simple
steps, you can help safeguard your personal information and protect
yourself and your credit rating.
Shred Confidential Documents
Prevent thieves from stealing personal information by shredding
sensitive documents before you trash them.
Send Sensitive Mail at a Public Mailbox
Use the big, blue mailbox at the corner or take a trip to the post
office to send payments or other sensitive mail. Information theft
happens frequently from home mailboxes.
Keep Your Personal Information in a Safe Place
Don’t carry your birth certificate, social security card, or
passport with you unless you need to use it. Always make copies of
the originals and keep them in a safe place. If you lose such
documents, contact the appropriate government office immediately.
Review Your Financial Statements Regularly
Check your credit card and bank statements each month for any
suspicious activity. Request and check your credit report at least
once a year for mistakes or fraudulent use. If you come across any
suspicious activity on your accounts, contact your financial
Protect Your Account from Common Online Scams
Online scams—such as “phishing” and “pharming”—use official-looking
messages or Web pages to deceive you into disclosing your sensitive
personal information. A phishing email tries to direct you to a
“look-alike” Web site of a legitimate business and trick you into
thinking that you are responding to a valid request. Pharming occurs
when hackers disrupt the transfer of information on the Internet and
point you to a fraudulent Web site. Refer to the <link>Identifying
Threats page for more information.
Following are some other ways to avoid getting caught by online
Do not provide your vital account information by email or phone
unless you initiated the contact. American National Bank will never
send an email asking you to reply with your account or personal
Do not click any links in a suspicious email. Even if you don’t
provide your account information at the phony Web site, just
clicking the link could initiate virus installations. Once
installed, these viruses could capture your identification,
password, and account information, then transmit them to identity
Check the URL often, and if it is not
www.anbmp.com or telepc.net,
close your browser window immediately.
Add the www.anbmp.com login page to your browser’s Favorites or
Bookmarks menu, and use it when you navigate to the site.
When sending private information, make sure to look for a closed
lock at the bottom of most browser windows. If you are unsure that a
secure Web site is legitimate, check the certificate by clicking on
If you encounter what you think is a fraudulent American National
Bank email or Web site, call (903) 572-1776 immediately. A Customer
Service Representative can verify whether or not the email was
actually sent by American National Bank or help you determine if the
site you visited is legitimate.
Know Your News
All security thefts aren’t created equally. Stay informed, but
remember that a story in the news may not affect you. In fact,
businesses must contact any employees or customers whose personal
information—such as a social security number—has been stolen. If
someone steals your personal information, be sure to contact the
credit bureaus to prevent identity theft or illegal use of your
Additionally, the FDIC has produced a series of online videos about
Internet thieves and electronic scams. They can be viewed in the
Consumer Protection section of the FDIC’s Web site at
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Follow these simple steps to use email safely and securely.
Don't Reply to Any Email Requesting Personal Information
Legitimate companies will not send you an email requesting that you
reply with personal or private information, such as:
Don't Send Emails Containing Confidential Information
Email is not a secure method of sending private information. To
contact American National Bank regarding your account, call us at
(903) 572-1776, rather than sending us email.
Avoid Unknown Emails
If you don’t know the sender, delete it. Some email may contain
viruses whose sole purpose is to wreak havoc on your hard drive.
Other emails are phishing for live addresses. Don’t ask to
unsubscribe. This only confirms they’ve reached an active email
account and will usually increase the amount of unsolicited emails
Be Alert for Email Scams
Offers of free money or requests for a user ID, account number, or
password are usually fake. When an email sounds too good to be true,
it probably is. Don’t respond to it. Just delete it.
Be Cautious Before Clicking on a Link Contained in Email
Some scam emails will direct you to a phony, look-alike site that
will ask you for confidential information. Don’t be fooled. Verify
that the Web site is legitimate, and, if necessary, check with the
company before entering any private information.
Even if you don’t provide your account information on a phony Web
site, clicking the link or red "X" in the corner, can unleash
viruses that capture your identification, password, and account
information. Close any pop-ups or new Web pages by right clicking on
the box at the bottom of your screen with the title of the pop-up or
Report Suspected Fraudulent Emails to American National Bank
If you receive an email that claims to be from American National
Bank but you suspect it might be fraudulent, call (903) 572-1776
immediately. A Customer Service Representative can verify whether or
not the email was actually sent by the bank.
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|Protecting Your Computer
Follow these tips to help protect your computer from viruses and
Use the Most Current Antivirus Software
New viruses pop-up all the time. Make sure your antivirus software
uses the latest antivirus signature files. Signature files make it
possible for the software to detect viruses. You should be able to
download and install updates through the software vendor’s Web site.
Most antivirus companies offer subscription services to ensure you
get the latest updates.
Keep Your Operating System Up-to-Date
Operating system updates and upgrades are released often to repair
security flaws found after the operating system software was first
released. Make sure your operating system software (Microsoft®
Windows or Macintosh® for example) is currently supported by its
supplier and has the latest security updates. Since new
vulnerabilities may be discovered at any time, we recommend that you
use an automatic update service.
Protect Your Computer from Hackers
Being connected to the Internet means information continually
travels freely to and from your computer. An easy-to-install
personal firewall helps you screen unauthorized communications
to/from your computer and can prevent hackers from gaining access
while you’re online. This is especially important if you connect to
the Internet via a cable modem or a digital subscriber line (DSL)
modem because of the continuous connection.
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