| Welcome to the Doolin Security Savings Bank Bulletin Board! We will utilize this space to keep you informed about new products and services, including changes to your existing accounts. We will also "pass on" helpful information to keep you up to date about issues affecting the banking industry. Please visit often to keep abreast of what is happening at Doolin Security Savings Bank, Wetzel County's only locally owned community bank. |
| If someone you don't know wants to pay you by check but wants you to wire some of the money back, beware! It's a scam that could cost you thousands of dollars. |
| How do fake check scams work? There are many variations of the scam. It usually starts with someone offering to: |
| *Buy something you advertiser for sale; |
| *Pay you to work at home; |
| *Give you an "advance" on a sweepstakes you've won; or |
| *Give you the first installment on the millions you'll receive for agreeing to transfer money in a foreign country to your bank account for safekeeping. |
| The scammers often claim to be in other countries and say it's too difficult to pay you directly, so they'll have someone in the U.S. who owes them money send you a check or money order. |
| The amount of the check or money order may be more than you're owed, so you're instructed to deposit it and wire the rest to the scammer or to someone else. Or you're told to wire some of the money back to pay a fee to claim your "winnings." In some cases, the scammer promises to transfer money directly to your bank account. You provide your account information for an electronic fund transfer. Instead, the crook sends your bank a phony check or money order with instructions to deposit it in your account. When you check your balance, it looks like the funds have arrived. Whatever the set-up, the result is the same - after you've wired the money, you find out that the check or money order has bounced. |
| How can I protect myself from fake check scams? |
| There is no legitimate reason for someone who is giving you money to ask you to wire money back - that's a clear sign it's a scam. If a stranger wants to pay you for something, insist on a cashiers check for the exact amount, preferably from a local bank or one with a branch in your area. |
| If you think someone is trying to pull a fake check scam, don't deposit it - report it! Contact the National Consumers League's National Fraud Information Center or (800) 876-7060. There are also more detailed tips about fake check scams in the telemarketing
and Internet fraud section of the Web site.
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| Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. It can destroy your credit and ruin your good name. |
| Skilled identity thieves use a variety of methods to steal your personal information, including: |
| (1) They rummage through trash looking for bills or other paper with your personal information on it. |
| (2) They steal credit/debit card numbers by using a special storage device when processing your card. |
| (3) They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information. |
| (4) They divert your billing statements to another location by completing a "change of address" form. |
| (4) They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information.
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| There are several things you can do to minimize your chances of becoming a victim of identity theft: |
| (1) Shred financial documents and paperwork with personal information before you discard them. |
| (2) Protect your Social Security number. Don't carry your Social Security card in your wallet or write it on a check. |
| (3) Don't give out personal information on the phone, through the mail or over the Internet unless you know who you are dealing with. |
| (4) Don't use an obvious password like your birth date, your mother's maiden name or the last four digits of your Social Security number. |
| (5) Keep your personal information in a secure place at home, especially if you have roommates, employ help or are having work done in your home. |
| (6) Never click on links sent in unsolicited emails; instead type in a web address you know. Use firewalls, anti-spyware and virus software to protect your home computer; keep them up-to-date. Visit OnGuard Online Your Safety Net for more information and practical tips from the federal government and the technology industry to help you guard against Internet fraud, secure your computer, and protect your personal information.
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| Doolin Security Savings Bank will observe the following holiday schedule during the year 2008.We will be available 24 hours a day, 7 days a week, to our customers who have enrolled in Doolin Direct, our free internet banking web site at doolinfsb.com. |
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| For more information about other available services or any of our products visit one of our three locations during regular business hours or telephone us. |
To safeguard your confidential personal customer information, never send us an e-mail containing your account number, social security number, access ID and/or password. |
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