Customer Awareness Program (C.A.P.)

The Honesdale National Bank’s Commitment to Security

The Honesdale National Bank will NEVER request personal information or any other confidential customer information by email or text messaging including account numbers, passwords, and personal identification information. Fraudulent emails may be designed to appear as though they are originated by a legitimate business entity. Do not respond to any email communications which request any type of personal or confidential information and do not go to any links listed on that e-mail. These communications are not originated by The Honesdale National Bank! Never give out any information to a caller, texter, or e-mail sender that the bank already has. If you contact us, we may verify the last 4 digits of your SSN to confirm your identity, but we will never contact you and ask for your debit/credit card number or your full SSN. If we need to contact you, it will always be done in a manner that protects your personal confidential information and we will clearly identify ourselves. One of our top priorities is to safeguard YOUR confidential information and we work diligently to do so. We always work with the local regulatory and law enforcement departments to be certain any type of illegal activity is stopped as soon as possible. We have multi-layer security to protect your confidential information and will continue to be vigilant in protecting it. Immediately report any suspicious emails or websites to The Honesdale National Bank by forwarding the message to: hnb@hnbbank.com.

If you suspect identity theft or have any questions regarding this notice, please contact
The Honesdale National Bank at 570-253-3355 or 800-462-9515 and ask to speak to our  Fraud Department

What is Identity Theft?

Identity theft involves the unlawful acquisition and use of someone’s identifying information, such as:

  • Name
  • Address
  • Date of Birth
  • Social Security Number
  • Mother’s Maiden Name
  • Driver’s License
  • Bank Account or Credit Card Numbers

Thieves use this information to commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, social security benefits, renting apartments and establishing services with utility and telephone companies.

How do I protect myself?

You should report lost or stolen checks or credit cards immediately. Never give out any personal information including birth date, SSN or passwords. Shred all documents containing personal information, such as bank statements, unused checks, deposit slips, credit card statements, pay stubs, medical billings, and invoices. Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it. You can tell if a website is secure by the URL beginning with https:// and the “lock” icon appearing in your browser.

Online Banking Security

The Honesdale National Bank is committed to protecting your personal information. Our Online Banking uses several different methods to protect your information. All information within our Online Banking uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a cryptosystem that creates a secure environment for the information being transferred between your browser and The Honesdale National Bank. All information transferred through Online Banking has a 128-bit encryption which is the highest level of encryption.

Here are some tips on keeping your information secure:

  • Never give out any personal information including User Names, Passwords, SSN, and Date of Birth.
  • Create complex passwords which are at least eight characters in length that include letters, numbers, and symbols.
  • Don’t use personal information for your user names or passwords such as Birth Dates & SSN.
  • Avoid using public computers to access your Online Banking.
  • Don’t give any of your personal information to any web sites that do not use encryption or other secure methods to protect it.

Click here to view a video for more tips on how to protect yourself from fraud and identity theft.

Debit Card Protection

Debit card usage has increased dramatically in recent years and fraudulent use of debit cards has also increased. The Honesdale National Bank has some suggestions for the care and usage of debit cards. NEVER give your debit card information when requested by phone, email, or text. The Honesdale National Bank will never request information from you in this manner. Please contact us if you receive any such request. If your card leaves your sight It is a good idea to pay by credit card rather than your debit card.

Internet Safety

  • Install and keep up to date antivirus software protection.
  • Be sure to use a firewall when surfing.
  • Don’t click on links in emails.
  • Don’t surf to pages you are unsure of
  • If you are a business customer you should perform your own risk assessments and evaluations on all online accounts.

Mobile Safety

At The Honesdale National Bank we strive to offer the latest technology to keep banking convenient for you.  With our mobile banking app you can access your NetTeller Online Banking account, deposit checks with Remote Deposit Anywhere, view your account transactions, transfer funds between accounts, transfer funds to make payments on loans at HNB, review basic account information, set up payments, and pay bills.  You can also set up email and/or text alerts and get messages for for events such as low balances, ACH credits/debits, bill payments paid, specific items, and more!  While our mobile banking app and NetTeller are both secure, you should always protect your personal information on your mobile device.

Click here for tips when using mobile devices for financial information.

For More Information:

Federal Trade Commission: http://www.ftc.gov/bcp/edu/microsites/idtheft/

FDIC Consumer Alerts: http://www.fdic.gov/consumers/consumer/alerts/index.html

United States Department of Justice: http://www.usdoj.gov/criminal/fraud/websites/idtheft.html

Credit Reporting Agencies:

Equifax:
P O Box 105069, Atlanta, GA 30349-506, www.equifax.com, Order a report: (800) 685-1111, Report fraud: (800) 525-6285

Experian:
P O Box 200, Allen, TX 75013-0949, www.experian.com, Order a report: (888) 397-3742, Report fraud: (888) 397-3742

Trans Union:
P O Box 100, Chester, PA 19022, www.transunion.com, Order a report: (877) 322-8228, Report fraud: (800) 680-7289

Revised 051314

Click for More Information on Consumer Alerts:
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ATM and Debit Card Safety Awareness