It's a Fraud Jungle Out There!

It's a Fraud Jungle Out There!

It’s a fraud jungle out there — protect yourself!

Safely navigate the fraud jungle by understanding the various ways fraudsters try to obtain your personal and debit card information.

The more you know, the more you can guard yourself against fraud. Follow these tips and guidelines for preventing fraud.

Personal information

Phishing is a scam in which fraudsters pose as legitimate businesses to trick you into divulging your Social Security number, account numbers, passwords or other sensitive personal data.

No legitimate business will request this type of information. Don’t give out your personal information.

Card safety

Debit cards are accepted virtually everywhere you use cash and many places where checks aren’t accepted.

·         Use your PIN whenever possible for an extra layer of protection.

·         Set up fraud alerts through online banking and mobile apps.

·         Review financial accounts and monthly statements.

·         Sign your card on the signature panel.

·         Report lost or stolen debit cards immediately to your financial institution.

ATM security

Be vigilant at ATMs. If something seems suspicious, contact your financial institution.    

•     Cover the PIN pad with your hand while entering your PIN.

•     Use familiar ATMs in well-lit areas.

•     Watch for shoulder surfing — a camera positioned to obtain your card number. This may look like a small hole drilled above the keypad.

•     Look for skimmers placed over the ATM card slot.

·         Do not use the ATM if the card slot or keypad looks suspicious.

 

Online shopping

When shopping online, be aware of ways to avoid undue risk and keep your personal information free from fraud.

·         Shop with trusted brands. Look for the green padlock icon and HTTPS:// to ensure you’re on a secure website.

·         Never give private information, such as your Social Security number, passwords or birthdate, to anyone online.

·         Create strong passwords with more than eight characters, an uppercase letter and at least one number or special character.

·         Use and update firewall software to protect your computer's information.

·         Avoid free or special product offers — these are usually too good to be true.

 

If you suspect identity theft or fraud, call Community Spirit Bank immediately.

Branch Locations

Red Bay:

Community Spirit Bank
200 4th Avenue SW
Red Bay, AL 35 582
(256) 356-4445

Drive-Thru Hours:
Mon, Tue, Thur, Fri 8:00am-5:00pm
Wed 8:00am-4:00pm
Sat 8:00am-12:00pm

Lobby Hours:
Mon, Tue, Thur, Fri 9:00am-5:00pm
Wed 9:00am-4:00pm
Sat Closed

ATM Location:

Inside McDonald's
606 4TH Avenue SE
Red Bay, AL 35 582

Redmont:

Redmont Branch
1107 Fourth ST NW
Red Bay, AL 35 582
(256) 356-8724

Drive-Thru Hours:
Mon, Tue, Thur, Fri 8:00am-5:00pm
Wed 8:00am-4:00pm
Sat Closed

Lobby Hours:
Mon, Tue, Thur, Fri 8:00am-5:00pm
Wed 8:00am-4:00pm
Sat Closed

Russellville:

Community Spirit Bank
14009 HWY 43
Russellville, AL 35 653
(256) 332-5315

Drive-Thru Hours:
Mon, Tue, Thur, Fri 8:00am-5:00pm
Wed 8:00am-4:00pm
Sat 8:00am-12:00pm

Lobby Hours:
Mon, Tue, Thur, Fri 9:00am-5:00pm
Wed 9:00am-4:00pm
Sat Closed

Vina:

Community Spirit Bank
7141 Hwy. 19
Vina, AL 35 593
(256) 356-6947

Hours:
Mon, Tue, Thur, Fri 8:00am-4:30pm
Closed 1:00pm-2:00pm
Wed Closed
Sat Closed

Belmont:

Community Spirit Bank
342 Second Street
Belmont, MS 38 827
(662) 454-0001

Drive-Thru Hours:
Mon, Tue, Thur, Fri 8:00am-5:00pm
Wed 8:00am-4:00pm
Sat 8:00am-12:00pm

Lobby Hours:
Mon, Tue, Thur, Fri 8:30am-5:00pm
Wed 8:30am-4:00pm
Sat Closed