SECURITY STATEMENT
Security
This site is designed to provide a safe and secure system for you to process your transactions. First BankAmericano (FBA or we) works with technology partners to ensure the most secure environment possible for our valued customers. You can be completely confident that your financial and personal information are kept secure and confidential.
Secure Logon
Your User ID is provided by FBA and you can determine your password. It should be eight characters, a combination of alpha numeric characters. It can not be the same character for the entire password. It is recommended that your Password should not be associated with any commonly known personal identification, such social security number, address, date of birth and names of children. The system checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits "hackers" from accessing our system, thus protecting your accounts. Upon your initial sign-on you will asked to select a security question. You should not disclose this password or security response to anyone.
Your Password
The identity of your Password is not communicated to us. Your password should be at least six characters and should not be in consecutive order. You are responsible to keep your password confidential and secure. You should memorize it. You should not disclose your User ID or Password to anyone. It is recommended that you do not keep a record of your password in your wallet, checkbook or purse. If you share your password with anyone, they will have access rights to all your accounts owned by you, either individually or jointly that are maintained with FBA. It is your responsibility to keep your password secure.
Fraud Alert
Email and Web Site fraud are often referred to as "phishing", "carding" or "spoofing" involves a fraudster sending you an email request that appears to be from a business that you may normally deal with. The fraudulent email usually mimics a legitimate website. The email may instruct you to provide, update or confirm sensitive personal information. The information could to be used to commit illegal transactions.
Identify theft occurs when someone illegally obtains important and confident personal identifying information to commit fraud. The information is used to assume the victim's financial identity, enabling the thief to access the victims existing accounts, to apply for loans and credit cards and they establish services from fee-based companies such as telephone and utility providers.
Reporting Lost or Stolen Personal Information
If you are a victim of Identity Theft or your personal information has been lost or stolen you should contact all financial institutions or credits immediately by phone and/or in writing.
v Bank Accounts & Credit Cards - close all accounts immediately. When you open new accounts, place passwords on them. Avoid using commonly known personal information such as your mother's maiden name, your birth date, the last four digits of your social security number, phone numbers or a series of consecutive numbers.
v For fraudulent activity notify your local police department and U.S Postal Service.
v Driver's license/other government issued identification - Contact the agency that issued the license or other identification document. Ask if any duplicate records have been issued in your name or social security number. Follow their procedures to cancel the documents and how to obtain replacements. Ask the agency to flag your file so that on one else can obtain identification documents from them in your name.
v Social Security Administration, Fraud Hotline - 1-800-269-0271
v Contact the fraud units of all three credit bureaus to report the fraud. Ask to have the "Hawk Alert" or "Fraud Alert/Victim Impact" statement placed in your credit file. This requires that any new applications for credit or banks accounts and changes of address be verified by you.
Equifax Credit Bureau, Fraud Hotline 1-800-525-6285
Experian Information Solutions - 1-888-397-3742
TransUnion Credit Bureau 1-800-680-7289
Annual Credit Report
You can order a free copy of your credit reports once every 12 months from one or all the national consumer reporting companies. Visit http://www.annualcreditreport.com/ or call toll-free 877-322-8228 or complete the annual credit report request form and mail it to: Annual Credit Report Request Service, P.O. Box 10581, Atlanta, GA 30348-5281. You can print the print from ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually.
You are also entitled to a free credit report if a company takes adverse action against you, such as denying your credit application, insurance or employment and you request your report within 60 days of receiving notice of action. The consumer reporting companies may charge you a fee for additional services. To buy a copy of your report, contact Equifax - 1-800-685-1111 or equifax.com.; Experian - 1-888-397-3742 or experian.com; TransUnion - 1-800-916-8800 or transunion.com.
You can request that only the last four digits of your social security number appear on your credit reports.
Personal Information
FBA is committed to making sure that your personal non-public information is safe and secure. You should never provide your personal information to an unsolicited request. FBA will never contact you by phone or email requesting information. You may be requested to provide required information in person at your branch of account. You should review your account statements to ensure that all listed transactions are correct. If you do not receive your statement contact FBA to inquiry when the statement was sent. We will never send you an email requesting your pin/passwords or that you confirm personal information.
CONTACT US
If you have any questions regarding this Agreement or the practices of First BankAmericano, please contact us by phone at 908-659-2100 or write to us at: First BankAmericano, 339 North Broad Street, Elizabeth, NJ 07208. We reserve the right to change this statement at any time. You should regularly review all statements, agreement and polices posted on this website.
2008 - First BankAmericano - Member FDIC - Equal Housing Lender Home/Personal Accounts/Business Accounts/Loan Center