At Greater Community Bank, we work diligently to protect your personal and financial information. As your financial service-provider, it is important to us that you are aware of how you are protected, and how you can protect yourself from becoming a victim of identity theft and other types of fraud.
We will never request personal information by email, phone, or text messaging – including account numbers, personal identification numbers, and online banking credentials. If you receive an email or phone call from someone representing Greater Community Bank and you question the validity of the sender or caller, please call us at (706) 295-9300 prior to responding to any request for information.
Phishing is the attempt to obtain personal, non-public information such as usernames and passwords, credit card or bank account numbers by posing as a trustworthy entity or individual. Phishing is generally carried out via email, but similar tactics are often used via telephone as well. Phishing emails may contain links to websites that may infect a user’s computer with malware, are frequently designed to appear legitimate, and frequently instruct a user to input personal information that will be used for the purpose of identity theft or fraud. Greater Community Bank will never ask for your personal information in this manner. If you suspect you have received a phishing email that appears to come from us, please contact us immediately.
Identity Theft is when a person’s personal, non-public information is fraudulently obtained and used, usually for financial gain. Protecting your personal information can reduce your risk of becoming a victim of identity theft. Keep your financial documents and records in a safe place, and keep your wallet or purse safeguarded when you are not at home. Shred receipts, credit offers and applications, insurance forms, and other types of documents that you no longer need. Keep your information secure online by being alert to imposters who may use phishing tactics, encrypting your data, keeping your passwords private, and limiting the information that you share about yourself on social networking sites.
Cybersecurity is important to all of us. All information within our Online Banking system is protected using SSL (secure socket layer) encryption technology. Whenever SSL is securing your communications, the browser will typically indicate a “secure session” by changing the appearance of a small icon of a padlock at the bottom of the screen from open to locked. When you utilize our Online Banking system as well as any online system that houses your personal information, we recommend utilizing strong passwords, which include at least 8 characters, a mix of upper case and lower case letters, numbers and special characters. Change your passwords frequently, and do not use any passwords that would be easily guessed, such as the names of your family members or pets.
Tell us AT ONCE if you believe your online banking Access ID and Password have been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus your maximum overdraft line of credit. If you believe your Access ID and Password has been lost or stolen and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Access ID and Password without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Access ID and Password and we can prove we could have stopped someone from using your Access ID and Password without your permission if you had told us, you could lose as much as $500.
We also recommend that commercial users of online banking services monitor and assess the risks associated with the use of the services at least annually. Ensure that any authorized users who leave the company are immediately suspended from access, and monitor and adjust internal controls and policies as necessary to ensure proper oversight of the service.
Mobile Device Security
Tablets and smart phones are more popular than they have ever been because of their ease of use and because they are portable.
However, they carry a risk of being lost, stolen or misplaced. Also, these devices may have weak authentication mechanisms that can be compromised or easily disabled. With the amount of sensitive data stored on these devices and the addition of mobile banking technology, there are actions you can take to mitigate the risks and protect your data.
- Password protect your device and enable auto-lock. Choose the strongest password that your device can support.
- Follow standard security protocols, such as making sure all operating system and application updates and patches are installed.
- Wipe the data on your mobile device before disposing of it. Also enable a remote wipe feature in case you have to do so if it is lost. This may include features that will delete stored data on your mobile device if a password is entered incorrectly after a certain number of times.
- Report lost, stolen, or misplaced mobile devices to the police immediately. Wipe its data remotely.
- Disable wireless access, such as Bluetooth or Wi-Fi, etc., when not in use to prevent unauthorized wireless access to the device.
Electronic Funds Transfers Act
Electronic Funds Transfers Act is a regulation that protects consumer accounts with regards to electronic funds transfer (EFT) activity. EFT activity includes any transaction initiated through an electronic terminal, telephone, computer, or magnetic tape that instructs a financial institution either to credit or debit a consumer’s account. If you believe that someone has transferred or may transfer money from your account without your permission, call us at (706) 295-9300 or write to us at PO Box 529, Rome, GA 30162.
In Case of Errors or Questions about Your Electronic Transfers
Telephone us at: (706) 295-9300
Write to us at:
Greater Community Bank
PO Box 529
Rome, GA 30162
Contact Greater Community Bank as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number (if any).
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.
For error involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.
Greater Community Bank
PO Box 529
Rome, GA 30162
Federal Trade Commission identity theft links:
FDIC Consumer Alerts:
Center for Internet Security:
PO Box 740241
Atlanta, GA 30374
To order a report: (800) 685-1111
PO Box 2002
Allen, TX 75013
To order a report: (888) 397-3742
PO Box 1000
Chester, PA 19022
To order a report: (866) 887-2673