If you think your accounts may be at risk due to fraudulent activity or a scam, call us immediately at (501) 663-3306 so we can assist you in resolving the issue. Remember, Heartland Bank will never call you directly and ask for sensitive, personal information over the phone or by email. Anyone asking you to confirm account numbers or verify Social Security Numbers is not doing so legitimately.
Lost or stolen card? To report a lost or stolen card during regular banking hours, contact us at (501) 663-3306. If you need to report a lost or stolen card after regular banking hours, contact (866) 546-8273.
Don’t Become a Victim
You play an important role in safeguarding your information. Take action to help protect your personal and financial information. Click on the resources below to learn more about staying secure online, recognizing common scams, and protecting your identity.
Steps to Help Protect Your Personal Information
- Regularly check your bank accounts and credit reports. Log into your accounts at least monthly to monitor activity and review your credit report at least annually.
- Set up alerts about account activity. Heartland Bank customers are able to set up different types of account alerts within their online banking. We also offer smsGuardian™ Text Alert Fraud Prevention.
- Make sure your systems are set up properly and updated. Install anti-virus and anti-spyware programs on your computer. Use a firewall if you access the Internet by cable or broadband.
- Use strong passwords and change them frequently. A strong password is at least eight characters and combines upper and lowercase letters, numbers, and symbols. Do not share IDs or passwords.
- Know who you are dealing with. When accessing a website referenced in an email or online, be sure that you know the e-mail sender and the website noted. If you are unsure, do not click a link. Instead, retype the website address in your browser to access the site directly.
- Store cancelled checks, new checks and account statements in a safe place.
- Shred documents. Shred pre-approved credit offers, receipts (including ATM receipts) and other information that could link your name to your account numbers.
Online Security Tips
- FFIEC Consumer Guidance Brochure- Account Authentication & Online Banking - A Cybersecurity Guide for Financial Institution Customers- FDIC
- FFIEC Business Account Guidance Brochure- Risk Assessment & Layered Security - A Cybersecurity Guide for Businesses- FDIC (PDF)
- FDIC Cybersecurity for Consumer Brochure
- FDIC Cybersecurity for Business Brochure
Phishing scams are suspicious emails designed to cleverly trick you into sharing personal or financial information. Criminals are seeking account numbers, passwords, social security numbers and other confidential information they can use to empty bank accounts and deplete credit card limits. These emails may contain links to fraudulent websites, and may also convey an urgent need to update your account information or to communicate with you about your account’s security.
How to protect yourself: Never click on a link, open attachments or respond to an email when you do not know the sender. Do not give out personal or financial information via e-mail unless you have initiated the contact. Heartland Bank will never request this information by email, phone, fax or text.
Vishing scams happen when you receive a call on your home phone or mobile device, supposedly from a reputable source like your bank. Thieves contact people using automated phone systems to say there’s a problem with your account, and then direct you to a phone number or website where they will ask for information to verify your identity. Criminals are looking to collect personal or financial information - social security number, bank account number, PIN or credit card number.
How to protect yourself: If you are not comfortable with a phone call you received, hang up. Then contact the company using legitimate sources such as contact phone numbers or email addresses found on the company’s website, your account statements or on the back of your debit or credit card.
Smishing scams use text messages that appear to come from legitimate sources stating that an urgent response is required. The message instructs the customer to click on the link provided to input personal or financial information.
How to protect yourself: Be extremely wary of unsolicited texts from your bank or another trusted name. Unless you have previously agreed with your bank that SMS contact is okay, it won’t happen. Do not respond to these messages, and delete them from your mobile phone.
A type of malicious software downloaded to your computer designed to block access to your operating system and all the information stored on your PC until you pay a sum of money to a cyber-criminal.
How to protect yourself:
- Keep your anti-virus software and firewall current and update all security patches regularly.
- Back up your data regularly by syncing your files to a secure external drive.
- Enable pop-up blockers since pop-up windows can be an entry point for ransomware.
- Don’t click on links, open attachments, or provide sensitive information through a suspicious-looking email or text message.
"Skimming" is a method by which thieves steal your credit card information by using a device that affixes to a card reader. Skimming occurs most frequently at retail outlets that process card payments - particularly bars, restaurants and gas stations. It blends in with the existing equipment well enough that unsuspecting consumers never notice it.
How to protect yourself: Check for tampering. If something looks different, such as a different color or material, graphics that aren't aligned correctly, or anything else that doesn't look right, don't use that card reader. Even if you don't notice the skimmer and swipe your card, covering your hand when you enter your PIN can help keep you safe.