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Fraud Prevention and Security Center

Online Security Prevention

Report Possible Fraud

To report possible fraud, contact your local branch. To report a lost or stolen VISA® debit card after business hours: 833-412-3817.

Protecting Your Debit Card

Community Bank helps protect our customers by using real-time monitoring to detect suspicious activity. If we see unusual activity on your debit card we will alert your right away by Email, Text or Phone Call.

Email Alerts
If you’ve given us your email address, you will automatically receive 24-hour-a-day email alerts any time we see unusual activity on your debit card. The information only email from EnFact Notifications (noreply@enfactnotifications) will:
  • Have the subject line “Fraud Notification on your Community Bank Debit Card;”
  • Include transaction details and an 800 number to call to confirm whether you authorized the transaction; and
  • May be followed by a fraud text alert (if your cell phone number is on file) or an automated phone call alert (if your non-mobile phone number is on file).

Text Alerts
If you’ve given us your cell phone number, you will automatically receive text if we see unusual activity on your debit card.
  • Reply YES if you authorized the transaction and wish to continue using your card.
  • Reply NO if you did not authorize the transaction, then follow the prompts regarding possible investigation.
  • Reply STOP if you wish to stop receiving fraud text alerts and we will use automated phone calls regarding any future suspicious debit card activity.

Automated Phone Call Alerts
If you have not given us your cell phone number, have not responded to a current fraud text alert, or have opted out of text alerts we will attempt to call you (based on your area code) at other phone numbers on file.
  • The call may be from an 800 number you do not recognize.
  •  When you answer, we will verify your identity and review the transaction with you.
  •  If you confirm the transaction is suspicious, we may place a hold on your card and provide further instructions regarding possible investigation.
  • If you do not answer, we will leave a voicemail with a request to call us back immediately.

Branch Verification
If we were unable to obtain verification from a text, email or automated phone call alert. Your local branch will reach out to verify the suspicious transaction with you.

If we don’t receive a response to any of the above alerts, we may block use of your card, until we hear from you, to protect you against unauthorized activity. If you receive multiple alerts regarding the same transaction, you only need to respond once.

Tips to protect yourself from debit card fraud:
  •  Download the Card Valet app to set your debit card usage preferences, and establish real-time alerts, so you can be notified whenever your card is used.
  •  Check your Community Bank account history frequently using the Community Bank Digital Banking app and notify us if you see anything suspicious. 
  • When shopping online, only use secure websites that start with https://.
  • Contact us before traveling overseas, and let us know where and when you are going so we can ensure uninterrupted card usage while still providing the best fraud protection.
  •  Most importantly, keep your contact information up to date with current cell phone, home phone, email address and mailing address so we can notify you in the event of suspicious activity.

Protecting Your PIN at ATMs

  • Check for tampering. Before putting your card into a reader, check it for tampering. Look for anything different or misaligned. If it looks suspicious, do not use the machine. ATMs do not have loose parts so if anything jiggles, don't use it.
  • Avoid stand-alone ATMs if possible. Try to use ATMs that are located at a bank.
  • Shield your PIN. When typing your PIN into a machine, it is a good practice to shield the entry pad if exposed.

Privacy, Identity and Online Security Tools

Digital Banking Security

With proper safety measures in place your Digital Banking transactions remain confidential and secure.
In addition to using best practices for data security, including data encryption and firewalls, these additional measures have been taken to ensure your privacy:

Secure Access and Verifying User Authenticity
  • Unique ID and Password: To access Community Bank Digital Banking, you must enter a unique User ID and Password.
  •  Password Authentication: When certain Bill Pay and Transfer activity is initiated, we may request you reenter your password for verification purposes.
  • Automatic Log-Off: If you are logged on to Digital Banking and have been inactive for 14 minutes you will be prompted, by a pop-up box, to continue
    your session. If you do not choose to extend your session within 60 seconds, the system will automatically log you out.
  • Password "lockout" System: To keep unauthorized individuals from accessing your account by guessing your Password, we have instituted a failed Password lockout. If your Password is entered incorrectly three consecutive times, the user is "locked out" of the system. You must contact
    us for your account to be reset and the system to become "unlocked".
  • Dormant accounts: If your Digital Banking account has been inactive for 90 days or more you will need to contact Community Bank to reactivate it. For your security, Digital Banking accounts with no activity for more than 6 months may be closed.

How can you protect your Internet security?

While Community Bank works to protect your financial privacy, you also play an important role in protecting your financial privacy and accounts. There are a number of steps you can take to ensure that your Community Bank account information is protected, including:

  • Protect your Password to yourself.
    • Do not share it with others.
    • Lenders, payroll providers and others should never ask you for your login ID or password in order to provide you with a service of any kind.
    • Do not leave passwords in an unsecure area.
    • Use a complex passphrase with a combination of letters, numbers and special characters.
    • Change your password regularly for better protection.
    • Do not use the same password for banking that you use for other sites.
  • Install anti-virus software.
    • This can help prevent key-logging malware from obtaining your Username and Password.
    • It can help eliminate spam and junk emails.
    • Be sure to manually update or set the anti-virus to auto update on a regular basis.
  • Update your Internet Browser and Operating system
    • Updates install new security patches to protect your device.
    •  Outdated Operating systems and Internet Browsers are less secure and will not be supported when they are no longer able to be updated.
  • Email & Text
    • Never share any personal information especially Social Security numbers, account numbers or login/password information.
    • Community Bank will never request your Digital banking password by email or by phone - ever.
    • Beware of phishing emails and texts. They may ask you to use a provided link to verify or change your account.
  • Always Log Out
    • Always log out of your Digital Banking session when you are finished.
  • Close your Browser
    • Always close your Browser after you have logged out of any site before proceeding to another site.
  • Wireless Network
    • Change the default password and default SSID (name used to identify your network).
    • Don’t broadcast your SSID.
    • Best practice is to us encryption on your network.
  • Device Disposal
    •  Before discarding or selling an old computer or phone back up sensitive information, and then erase or factory reset the device.

If you notice suspicious or unusual activity on your Digital Banking accounts, Contact Us as soon as possible.

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