Stolen Cards
Immediately call 800-472-3272 to cancel your card. You can also contact the bank directly 9am to 5pm Monday through Friday. Please do not leave a message after hours, call the 800 number above.
Immediately call 800-423-7503 to cancel your card. You can also contact the bank directly 9am to 5pm Monday through Friday. Please do not leave a message after hours, call the 800 number above.
Summit Online Banking
Summit Online is a convenient way to access your accounts without going to the Bank. Summit Online is available to you from your home or office – 24 hours a day, 7 days a week just by using your personal computer.
You can access your checking, savings, certificates of deposit, and loans to verify balances, transfer money between accounts and reconcile your accounts.
Summit Bank uses “Real Time Access” for your balance information. This means that the balance you see at home is exactly what the balance shows at the bank. If you make a deposit or cash a check or even use your Debit card, you will be able to see that transaction online immediately.
Summit Online Banking is free for Summit Bank customers.
Yes it is. Summit Bank has incorporated state-of-the-art security into its Summit Online to ensure both privacy and security. We require passwords, data encryption, firewalls and internal security procedures.
Your Logon ID and Password provide one of the most important security features for Internet Banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts.
Other security tips:
– Keep your web browser software up-to-date to take advantage of the latest security enhancements.
– Take precautions to keep your computers free from viruses that might be used to capture password keystrokes or send information from your hard drive.
– Please be careful where you choose to log in to Summit Bank Online and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.
– If you get an unexpected web page asking you for your credit card, password or account information, DO NOT disclose this information.
DO NOT share diskettes that contain confidential information even if you think you have erased the information.
– It is a good idea to shred printouts of your account information before discarding them.
To access Summit Online, you need to have Internet access and a browser.
Mobile Banking
Security for Mobile Banking is centered on the following: Mobile Banking utilizes authentication mechanisms on mobile devices. Mobile Banking leverages security technologies on the mobile access channels. Mobile Banking uses 128 bit SSL Encryption. The Mobile Banking platform allows for integration with host system security infrastructure and provides additional security configuration options.
There are many options available. Start with your phone provider. They can better assist with your mobile security management.
Once the software is installed you will be notified when an update is available. Generally instructions are attached to the update.
Identity Theft
If you believe you have been a victim of Identity Theft or Fraud call us and your credit card companies IMMEDIATELY.
You can report it to the FTC’s Identity Theft Hotline at www.consumer.gov/idtheft or call 1-877-IDTHEFT (438-4338) toll free.
You also have a right to place a fraud alert on your credit file, for 90 days. The law also allows you to put an extended fraud alert on your credit file under certain circumstances.
Contact any Credit Bureau listed below:
Experian: 1-888-397-3742
www.experian.com/consumer
Equifax: 1-800-525-6285
www.equifax.com
Transunion: 1-800-680-7289
www.transunion.com
For additional information, please contact:
Federal Trade Commission (FTC):
1-877-IDTHEFT (438-4338)
www.consumer.gov/idtheft
Social Security Administration’s Fraud Hotline:
1-800-269-0271
https://oig.ssa.gov/
“There has been an increase in attempts by unknown fraudsters to break the card verification value / card verification code (CVV / CVC) on compromised cards, and thereby to commit card fraud, including ATM fraud. This attempt to commit fraud is commonly known as a ‘brute force attack’.
To execute these crimes, email is often used to transport phishing scams and malicious software (malware) to obtain personal information including personal identification numbers (PINs) and to take over legitimate merchant accounts to test the compromised cards.
You can help to reduce the likelihood of this type of fraudulent activity succeeding by being alert for email that (1) contains unfamiliar or suspicious links or attachments, (2) is unsolicited and/or from an unknown sender, (3) is sent multiple times from different senders, or (4) contains poor grammar or incorrectly spelled words. If you receive an email that contains any of these elements or any combination of these elements, you should delete it immediately. Do not open it, click on the links or open any attachment. You should not attempt to reply to the email or forward it to anyone.”
Fraud and Scams
Phishing is a type of Social Engineering used by identity thieves who send emails as bait to trick individuals into giving personal information such as bank account information, or social security numbers. These emails typically claim to be from a legitimate institution. These emails usually contain links to “spoofed” websites, disguised as the legitimate institution’s website with the sole purpose of tricking you into divulging your personal and/or financial information so the thieves can commit fraud or identity theft.
Vishing and smishing are phone scams similar to “phishing”. Vishing is a telephone call claiming to be from a legitimate company requesting your personal information to resolve an urgent financial matter. Unfortunately the telephone call is phony and you are providing information to a fraudster. Smishing is accomplished through text messages on a cell phone by asking you to call a particular number or click on a link that contains malicious code that could potentially steal information stored in your cell phone without your knowledge.
Here are a few ways to protect yourself against smishing or vishing:
· Be wary of incoming calls. If you receive an incoming call and a person or automated system requests personal information, hang up. Caller ID creates a false sense of security, so don’t trust it. Before you give out any information to someone claiming to be from your bank or a company you do business with, call that company directly to verify there is a need for that information. Locate the phone number through the company’s website or on your bank card, not by Googling.
· Don’t call a number left in a voicemail or text message. Remember your bank is not going to send you a text message prompting you to call them. Before calling a number in a text message or voicemail, verify the number using the strategies above.
· Download apps only through official channels. Go to the iTunes or Google Play store to download your bank’s official app. “Phishers” will send you a text message with a link to an app on a third-party server. It’s not as easy to install it, but once you do that, it’s completely seamless. They can make it look completely like the bank’s app.
· Don’t click links from unverified senders. Shortened links on a mobile device can be hard to verify and may link to malicious content. Without being able to see a full address, it’s difficult to tell if the website or sender is legitimate. You also can’t hover over a link like you can from your computer and get a preview of a linked word or graphic.
· Report suspected spam. Document as much information as you can, including what was said, the phone number of the caller and the information the person or system requested so you can report it to your bank as soon as possible. With most major U.S. carriers, you can forward suspicious text messages to 7726 (spam spelled out on your keypad), a spam-reporting system operated by an association of mobile operators.