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Protect Your Identity

Please know that Fort Knox Federal has taken every available measure to provide secure online banking experiences.  Nonetheless, criminals are working 24x7 to steal online accounts.  Several methods are being employed to steal online user credentials.  The most prevalent involves malware that infects a computer.   This malware is typically distributed via email links, social networking sites and malicious websites.  Once credentials are stolen, unauthorized transactions begin.  To reduce your risk, please take the following precautions:  

• Install, update and maintain good quality anti-virus and anti-spyware software.
• Keep your security questions safe.
• Maintain strong passwords and change them from time to time.
• Carefully review your statements for any unauthorized activity. 

6/7/13

Beware:  A number of members have recently reported receiving emails and phone calls telling them that their accounts have been frozen and that account information is needed to re-open them. Don’t respond…this is a scam.
3/26/13

Tax Time Scams

Don’t lose your tax return or more!
#1. You expect a return and don’t get one. You call the Internal Revenue Service to learn someone else has claimed the refund using your Social Security number. What happened?  You may have given your SSN to someone else who filed for you!

#2. You’re using Turbo Tax software and you receive an email that appears to come from the company telling you to download updates to comply with IRS requirements. You click on link and a virus downloads. In another, the link takes you to a page asking for personal information that can be used for identity theft. Don’t do it…TurboTax never solicits personal information by email and users can check for any required updates from within the program.

#3. You receive a phone call from someone claiming to be an IRS representative who says the agency made a mistake and owes you more money. The caller then asks for your bank account information to make a direct deposit. Don’t do it…The IRS doesn’t work like this over the phone!

#4. You get an email that appears to come from the IRS asking for personal information. Such an email is not valid and should be deleted. Again, the IRS doesn’t work like this. They deal in written communications and there will be correct information on who to contact in the letter.  But, also, be cautious with written stuff. Check it out.

#5. Watch out for a “fly by night” tax preparer…Sets up a cheap office and provides cheap service. You’ll never see a dime!
2/13/13

8 Tips for Using Check Cards
1- Keep receipts and note debits in checking register.

2- Check account balance frequently either online or through the bank to avoid overdraft.

3- Beware of bank overdraft policies and fees. Customers can decline the bank's "convenience" coverage for overdraft, which could cost high fees if they overdraw the accounts. Instead, sign up for overdraft protection that is covered by a savings account.

4- Most check cards now have "zero liability" protection that exceeds what the federal law call for, so security is a lesser issue. Still, consumers should check with their banks to see how debit transactions are processed. Only those going through the Discover, MasterCard, or Visa networks may be covered by zero liability.

5- PIN transactions are more secure than signature transactions, although most don't qualify for reward points.

6- If consumers pay off their credit card balances each month, they're better off using a credit card with rewards for purchases than a debit card or check card.

7- Find out what the bank's daily limit for usage is for your checking account.

8- If a cardholder's balance is low, it's best not to use debit for purchases such as gas, where a hold of at least $50 will be placed on the card.

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