Member FDIC

 

 

A HOME OWNED, INDEPENDENT BANK
MEMBER FDIC

Home State Bank provides this information for you to review and use as you choose. We are not responsible for the information content provided by any site linked below.


WAYS TO WARD OFF RANSOMWARE
(from SHAZAM)

Ransomware is a computer virus that kidnaps your system and holds your data hostage until you pay a ransom to the cybercriminals.  The malware encrypts data on workstations, networks, mobile devices and even files stored in the cloud.

Ransomware was recently in the news with the WannaCry attacks, which targeted computers that used Microsoft Windows and demanded ransom payments using bitcoins. 

Do you know how to defend your systems in case of such an attack?

Compared to typical data breaches, ransomware scams have a quicker, less complicated payoff and are difficult to detect.  Recently, the malware has been bundled with password-stealing technology to take advantage of weak security.

Ransomware attacks are becoming increasingly profitable for perpetrators.  Ransom demands can run from $500 to thousands of dollars.

Many victims decide to pay the cybercriminals to avoid the costly downtime and recovery, as well as possible legal ramifications.  However, IT experts recommend against victims paying the ransom. 

Payment encourages scammers to attack again and find new victims.  Also, there is no guarantee the data will be released or the attackers haven’t kept a foothold in the systems they’ve compromised.

Even when victims don’t pay a ransom, they have to pay in other ways.  Often they will have to pay an IT vendor to restore their computer, device or network. 

PREVENTION TIPS:
Follow these tips to help reduce ransomware attacks:

  1. Back up your data regularly.
  2. Always apply the latest security patches to remove known vulnerabilities.
  3. Keep firewalls on and properly configured. 
  4. Run real-time anti-malware and anti-virus software and keep them up-to-date. 
  5. Be wary of suspicious emails and do not open attachments or click links from untrusted sources.

 


 

Ways to Protect Your ID

Under the Gramm-Leach-Bliley Act (GLBA) and Privacy Laws we are required to ensure the confidentiality of a consumer’s information. Here are ways a consumer can protect their ID’s from theft:

  • Monitor credit annually
    • www.annualcreditreport.com
  • Use a P.O. Box
  • Opt-out of junk mail / internal marketing lists / offers of credit
    • https://dmachoice.org OR https://www.optoutprescreen.com
  • Enroll in the “DO NOT CALL” registry with FTC (Federal Trade Commission); it’s FREE!
    • Register online: www.donotcall.gov
    • 888)382-1222 / TTY (866)290-4236


TO DO LIST when your computer is hacked or phished:

  1. Change all passwords
  2. Run anti-spyware/malware and anti-virus programs
  3. Clear out private information in your internet browsers; clear out sensitive data from internet Temp Folder (clearing cache, delete history)
  4. Close online accounts, notify banks/institutions to obtain new accounts (if needed)


ID Theft Victim TO DO LIST



Take back your life in 7 Steps:
www.idhijack.com
STEP 1
Contact the 3 credit bureaus; ask that they issue a fraud alert and attach a statement to your credit report, get copies from the 3 bureaus (Equifax, Experian and TransUnion - see below)

STEP 2
Review your credit reports thoroughly; look for accounts you did not apply for or open, inquiries you did not initiate, or defaults and delinquencies you did not cause

STEP 3
File a report with your Local Police or in the community where the ID theft took place; keep a copy of the Police report

STEP 4
Fill out an ID theft victim’s complaint and affidavit form; available from the Federal Trade Commission (FTC) at www.ftc.gov/idtheft or (877)FTC-HELP {382-4357}

STEP 5
Close any accounts that have been accessed fraudulently; contact all creditors – including banks / credit card companies / other service providers where your accounts have been compromised

STEP 6
Stop payment on checks; if a thief stole checks or opened bank accounts in your name, contact a major check verification company to report the fraud activity

STEP 7
Contact the loan Postal Inspector; if you believe someone has changed your address through the post office or has committed mail fraud – ask the Postmaster to forward all mail in your name to your own address



Credit Reporting Agencies

To contact a Consumer Reporting Agency (CRA)
Equifax
Credit Information Services – Consumer Fraud Div. P.O. Box 105496 Atlanta, GA 30348-5496 Ph: (800)997-2493 www.equifax.com
Experian
P.O. Box 2104 Allen, TX 75013-2104 Ph: (888)EXPERIAN {397-3742} www.experian.com
TransUnion
Fraud Victim Assistance Dept. P.O. Box 390 Springfield, PA 19064-0390 Ph: (800)680-7289 www.transunion.com
Online Banking




Search for:



Enter a city or zip:
Click to view TV Guide listings
Services Contact Tips/Alerts History CD Rates Links Home News

 

All text and original graphics copyright © 2012 Home State Bank

Home State Bank, 202 3rd Ave, PO Box 79, Royal, IA 51357
www.hsbroyal.com | 712-933-5511 | 877-474-5511 | FAX: 712-933-2397
For questions, e-mail hsb@ncn.net

Home State Bank NMLS #769771