Did you know that not only are digital wallets a convenient way to pay, but they keep your transactions and personal information safe. Putting your card into your digital wallet is an easy way to pay at most retailers.

Add your credit card by entering the card information into the digital wallet app on your mobile phone. When you are ready to pay, simply open your digital wallet app, select your card and tap your phone on the terminal to pay.

Payments from digital wallets are also safer because your account information is coded as it is transmitted so your account number and personal details are not shared.

Use your digital wallet today to make payments safe, simple and secure.

Beware of scam merchandise offers. If you see a merchandise offer online, on social media or in your email and the pricing seems much lower than you expect, be very careful before proceeding. There are fraudsters that set up fake merchandise offers appearing to be a known retailer, but the link takes you to a fraudulent site to complete the purchase. As a result, payment is taken, but merchandise is never received. If you suspect a price looks too good to be true, back out of that link and check the retailers website to see if the offer is available there.

Back to school means busy days and shopping trips. Protect your account and your information by adding real time purchase alerts to your account. Purchase alerts can be set up in your online account as text or email alerts with purchase minimums you select. These alerts not only help you stay on top of your purchases, but also help identify suspicious activity.

To make those shopping trips easier, add your card to your phone’s digital wallet. Instead of using your physical card, you can make quick, touch-free payments with your phone by opening your digital wallet and tapping your device on the payment terminal. This is a quick way to pay and go while providing you added security.

Beware of phone calls with people posing as “FNBO” (the fraudster), who perform a convincing impression even duplicating (spoofing) FNBO’s phone numbers. They deviate from FNBO by asking for the customer to provide card data and verification data – like your social security number, mother's maiden name, or possibly a one-time passcode. We will not call a customer to ask for card, personal or security information. Be advised FNBO may ask this information if you call us.

In addition, we will not ask you to make any transfers, purchases or payments using your credit card to services such as cash applications, gift card purchases, etc.

If you receive one of these calls, please hang up immediately and call the Customer Care number on the back of your credit card.

Safety Tips to Keep Your Account Secure

• If you misplace your card, lock it online or in the app and unlock it when you locate it. If it’s lost, report it right away and we’ll send you a replacement. Keep your account profile information up to date. Log into your online account and update your contact information, including your cell phone number so we can reach you if we detect suspicious activity.
• Set up account alerts in your online account or on the mobile app. You can monitor transactions, balances, payments and more to keep track of account activity.
• Report any suspicious activity such as unfamiliar transactions or communications to the number on the back of your card.
• Use the enhanced safety of contactless payments to simply tap, pay and go with your card on payment terminals where you see this symbol 

These features along with our 24/7 monitoring for suspicious activity can help to keep your information and account safe.

Please confirm that we have your current cell phone number on your account profile. This will assist in us being able to reach you in real time if we detect a suspicious transaction. You will be able to either confirm the transaction or deny it. We are always on the lookout for fraudulent activity and work 24/7 to protect your account and your personal information. Remember that we will never reach out to you and ask for your personal information or for a passcode.

Summer travel season is right around the corner. There are some actions you can take to keep your information and credit cards safe this season.

• Keep your money, ID and credit cards in a zippered pocket on the front of your body. If you prefer a backpack, choose one that has a zippered pocket closest to your body to deter pick pockets.
• If you misplace your card, log into your online account and lock your card right away. When you find your card, you can go in and unlock the card easily. If you don’t locate your card, call our Customer Care for a new card.
• Using tap to pay or a digital wallet is a safer way to pay. Either payment method can be used if you see the  symbol. Just tap and go.
• When we see a suspicious transaction, if we have your mobile number we will send you a text and simply ask if you approve the transaction with a simple (Y)es or (N)o. We will never ask you for your PIN number or personal information.

Remember there is no need to let us know you are travelling. Enjoy your summer travels!

Be aware of a current scam trend involving fake package notices from the US Postal Service. The scam involves receiving a text message saying that a package is waiting for you. It will ask you to pay a small fee, normally under $1.00. The message will include a link.

The link takes you to a fake US Postal Service website where they will ask for your credit card number to pay the small fee. At that point your card information has been compromised. Fraudulent transactions are then often submitted on the account.

If you suspect a package notice that you receive, ask your Postal Carrier if the notice is valid or call your local post office for confirmation before you click on the link or enter any credit card information.

In this month of Valentines celebrations, we wanted to share a warning about online dating hoaxes. Be wary of someone trying to cultivate a relationship online that eventually asks for money for a plane ticket, or to help with a health issue. They may request that you wire funds, buy gift cards or even give them access to your debit or credit card.

Be very suspicious of anyone asking you for money in online relationships. If you suspect fraudulent transactions on your credit card, log into your online account and lock your card, or call customer care to shut down your card and get a new one reissued.

It’s a good time of the year to check all of your accounts to be sure you have updated email address, home address and mobile phone number. This will make it easier for you to be contacted in the event there is a suspicious transaction on your accounts. Confirming your mail address will also assist you in receiving timely notifications and reduce the risk of bad actors accessing your mail.

Scammers will sometimes use pop-up messages on your computer while visiting a familiar website. These messages often warn you that your computer has been compromised. THESE ARE SCAMS. One of our customers recently had this happen, here is an overview of her experience. “I was reading the news on my computer when a pop-up window opened and warned me that my computer had been compromised. I was to call a number immediately.” She called the number and was told that her computer was being used by a criminal, that her information had been stolen (SSN, bank account, etc.) and she needed to set up new accounts immediately. They threatened that she may be charged as an accomplice if she did not cooperate. The fraudsters convinced her to let them access her bank account, credit cards, etc. so they could set up new ones for her. In the process, they emptied her bank account and charged thousands to her credit card. Don’t fall victim to pressure campaigns designed to make you afraid or concerned. Do research or simply close out of any messages or pop ups that are pressuring you to take action immediately. They are most likely scams.

Please confirm that we have your current cell phone number on your account profile. This will assist in us being able to reach you in real time if we detect a suspicious transaction. You will be able to either confirm the transaction or deny it. We are always on the lookout for fraudulent activity and work 24/7 to protect your account and your personal information. Remember that we will never reach out to you and ask for your personal information or for a passcode. 

Customers receiving calls with people posing as “FNBO” (the fraudster), performing a convincing impression even duplicating (spoofing) FNBO’s phone numbers, but deviates from FNBO by asking for the customer to provide card data and verification data – like your social security number, mother's maiden name, or possibly a one-time passcode. We will not CALL a customer to ask for card, personal or security information. Be advised FNBO may ask this information if you call us.

The saying "if it looks too good to be true, it probably is" remains very true. If you see a merchandise offer online, on social media or in your email and the pricing seems too low to be accurate, be very careful before proceeding. There are fraudsters that set up fake merchandise offers appearing to be a known retailer, but the link takes you to a fraudulent site to complete the purchase. As a result, payment is taken, but merchandise is never received. If you suspect a price looks too good to be true, back out of that link and check the retailers website to see if the offer is available there.