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Your safety and security is very important to us at First Federal Bank.

Please utilize the following resources to educate and inform yourself of the various types of cyber security risk and ways you can protect your identity and financial information.
Visit OnGuardOnline for more tips to help you stay safe and secure online. 
The Federal Trade Commission (FTC) also has tips on how to recognize phishing scams.

Current Types of Fraud & Security Awareness and Fraud Education

The art of manipulating people into performing actions or divulging confidential information. A form of trickery or deception for the purpose of information gathering, fraud, or computer system access.
Fraudsters attempt to acquire information such as usernames, passwords, and credit card details by disguising themselves as a trustworthy entity in an electronic communication. Phishing is typically carried out by email spoofing or instant messaging.
Website Spoofing
Fraudsters attempt to direct users to a fake website whose look and
feel is almost identical to the legitimate one. This allows them to capture information
such as usernames, passwords and credit card data.

Email Spoofing
Fraudsters spoof email address and header information to make an email appear to be from a legitimate entity. It is very easy to impersonate and forge emails. Email spoofing is commonly used in spam and phishing emails.
Criminal practice of using social engineering over the telephone system (VoIP or Voice over IP), to gain access to private personal and financial information from the victim for purpose of financial reward. The term is a combination of voice and phishing. This is the
main reason it is important for you to initiate any call before divulging personal or financial information.

Malicious Software is software designed to disrupt computer operation, gather sensitive information, or gain unauthorized access to computer systems. It's used to describe any kind of software or code specifically designed to exploit a computer, or the data it
contains, without consent. Malware includes viruses, worms, trojan horses, spyware, dishonest adware and root kits.

A type of malicious software installed on computers that collect information about users without their knowledge. Its presence is typically hidden from the user and can be difficult to detect.
The action of tracking (or logging) the key strokes performed on a keyboard, typically in a
covert manner to gather sensitive information.

Tab Nabbing
A phishing attack that takes advantage of user trust and inattention to detail in regards to tabs open in an internet browser session. Fraudsters will load a fake page in one of the open tabs in your browser. This tab will have a spoofed copy of your banks website and in most cases appear that your login has timed out. When the user attempts to reenter login credentials they are captured by the fraudster.

Fake Mobile Banking Apps
Fraudsters may develop and publish fake mobile banking apps in an attempt to steal your online banking credentials.

Criminal activity using social engineering techniques over SMS texting. Fraudsters will attempt to gain personal and financial information by spoofing your banks name and number in a text message.

Phishing attacks targeted at high profile senior executives
Man-in-the middle (MIM) or Man-in-the browser (MIB) Fraudsters insert themselves between the customer and the financial institution and hijack the online session. The fraudster is able to intercept the authentication credentials submitted by the customer and log into the customer's account or direct the customer to a fraudulent website that is a mirror image of the banks website where they capture the customer's login credentials.
A money mule is a person who transfers stolen money or merchandise from one country to another, either in person, through a courier service or electronically.
It is typically online scams that prey on victims who are unaware that the money or merchandise they are transferring is stolen. A scammer will employ a mule to relay the money or goods to the scammer.
Computer Banking
  • Use operating systems that are currently supported by the software vendor.
  • Stay up-to-date with current service packs and security patches on all installed software.
  • Make sure you computer is password protected.
  • Make sure you have an up-to-date antivirus/antispyware application and its set to automatically
    update and scan your computer. Don't trust "free" security software. Purchase security software
    from well known reputable software vendors. Make sure the software package you purchase
    includes anti-virus, anti-spy- ware, anti-phishing, and anti-spam protection.
  • Do not disable the computer firewall.
  • Use a reputable third party router/modem with firewall capabilities instead of connecting your
    computer directly to the internet.
  • Avoid downloading programs or files from unknown sources.
  • Computers used for business online banking should be used for business related functions only.
    These computers should not be used for personal use or personal web browsing.
  • Mobile computers/laptops should have disk encryption enabled and strong password or
    bio-metrics authentication.
  • If your home or business computer is connected via wireless network, make sure the SSID is
    hidden and a wireless security password is required.
  • If you feel your computer is infected with malware or compromised, disconnect it from the
    internet immediately. Resolve the issue on your own or have it repaired by a reputable service
    technician prior to connecting it back to internet access.

Online Banking
  • Commercial online banking customers should perform a periodic risk assessment and controls
    evaluation to include, but not limited to, employee access rights and roles, dual control
    requirements and transaction/activity alerts.
  • Always access online banking by typing the address directly into the internet browser or by
    using a favorite link. Avoid clicking on links in emails to access your financial web sites.
  • Verify the web address starts with https:// and the full address is correct.
  • Be alert and aware about anything out of the normal about the website.
  • Verify site encryption by making sure the lock icon is locked in the internet browser.
  • Avoid accessing your online banking on public computers.
  • Avoid accessing your online banking on public WIFI networks.
  • Set responsibility specific roles in the company and define those roles per user account.
  • Require dual authentication/approval for business related activities.
  • When possible, implement a restricted funds transfer recipient list (whitelist).
  • Implement time of day restrictions on employee online banking accounts.
  • Avoid sending financial account information in unencrypted email.
  • Always log off from online banking and any websites you enter financial and personal
    information into.
Web Browsing
  • Use updated internet browsers to access online banking.
  • Turn popup blocker on.
  • Keep internet browser security settings at recommended levels or higher.
  • Delete "tracking" cookies on a regular basis (usually under tools and settings or options in
    internet browsers).
  • Avoid clicking on pop-ups or ads.
  • Avoid posting personally identifiable information (PII) on social network websites.
  • Make it a habit to only visit well known reputable web sites.
  • Verify all addresses begin with https:// and the secure lock icon is locked before entering any
    personal or financial information on a website.
  • Don't fall for scams that may pop up (in an internet browser) alerting you of computer
    infections or free computer scans.
  • Always use well known reputable online payment processors to purchase products or services.
  • Be alert of multiple tabs that are open in your internet browser. Close unneeded/unused tabs to
    avoid "tabnabbing". Fraudsters will unknowingly duplicate your online banking session in
    another browser tab to commit fraudulent activity.
  • Close your internet browser when you are not using it.

  • Be alert for suspicious emails claiming to be from a reputable person or company.
  • Never open attachments, respond or click on links from unknown senders.
  • Never send personal or financial information over email. All email is unencrypted unless you
    have an encryption device or subscribe to an encryption service.
  • If you receive a suspicious email claiming to be from First Federal Bank Littlefield Texas ssb
    please forward it to us.
  • If you accidently respond to a suspicious email with personal or financial information in it
    please contact the bank.
  • Before you click on any link in an email, hover your pointer over the link and it will display the
    "actual" address it contains. Review the address carefully to verify it is correct.
  • Avoid posting your email address on social networking websites.
  • First Federal Bank Littlefield Texas ssb will never request personal or financial information via

Username and Password
  • Use complex passwords that include a combination of letters, numbers and special characters or
    use sentence based passwords such as (MybirthdayisThursdayJune20!)
  • Avoid using the same passwords for online banking that are used at other websites
  • Avoid using your social security number as your username
  • Change your usernames and password regularly
  • Remember your username and password. Do not write them down or share them with anyone.
    This is extremely important for commercial customers who have transactions that require dual
    authentication/ authorization.
  • Keep your security questions and answers private. When possible use questions and answers
    that are not public knowledge
  • First Federal Bank Littlefield Texas ssb will never ask you for your passwords.
  • Do not rely on caller id to verify the identity of a person or business. Caller id can be spoofed.
  • Do not give out personal information when you did not initiate the call.
  • First Federal Bank will never initiate a call to ask for personal information, financial
    information or ebanking credentials. Hang up and call back with a known good phone number.
  • Always require a password to access your mobile device
  • Enable an automatic screen lock to lock your device when it is not in use
  • Use encryption software to protect your mobile device
  • If possible purchase a mobile antivirus software
  • Avoid saving passwords in your mobile device apps and browsers
  • If possible setup a remote wipe account. This will allow you to erase all data on your mobile
    device in the event it is lost or stolen.
  • In the event you're mobile device is lost or stolen have the SIM card/phone number deactivated
  • Make it a habit to delete text messages frequently from the bank.
  • Never reply to a text message claiming to be from First Federal Bank Littlefield Texas ssb
    requesting personal or financial information. First Federal Bank Littlefield Texas ssb will never
    initiate a text message requesting this information.
  • Never divulge personal or financial information from a caller claiming to be from First Federal
    Bank Littlefield Texas ssb. First Federal Bank Littlefield Texas ssb will never initiate a call
    requesting this information.
  • Never use caller id to verify the identity of a person or business. Caller id can be spoofed.
  • Always download mobile apps from well known reputable software companies.
  • Never "jail break" your mobile device. Jail breaking typically opens the device up to
    vulnerabilities outside the original manufacturer's control.
  • Make sure to sign off of your mobile apps instead of closing them.
  • Be alert of fraudulent or spoofed apps claiming to be from First Federal Bank Littlefield Texas
    ssb. Notify the bank immediately if you suspect fraud.
  • Notify the bank immediately if your mobile device gets lost or stolen. This will allow the bank
    to unenroll your accounts from web access.

  • Avoid responding to "to good to be true" mail scams. Never supply personal financial
    information in a reply to someone that is pressuring you to respond to a sweepstakes or money
    wire request to claim a prize.
  • Never discard paper that has personal or financial information on it. Shred all documents
    containing this information.
Debit/Credit Card
  • Always keep your debit or credit card in a secure place.
  • Remember your PIN. Do not write it on your card or anywhere else.
  • Do not share your PIN number with anyone.
  • Never give your debit or credit card number to anyone unless you initiate the contact.
  • Sign the back of the card to help protect you on signature based transactions.
  • Cancel and cut up unused cards.
  • Review your transactions regularly, contact the bank immediately if you notice
    fraudulent/unauthorized transactions.
  • Keep your receipts safe or make sure to shred them.
  • Do not let any website store your credit card information.
  • Report lost or stolen cards to the bank immediately.

  • Keep unused and canceled checks in a secure place.
  • Do not discard checks, make sure to shred all unwanted checks.
  • Limit the amount of personal information printed on checks.
  • Review your transactions regularly, contact the bank immediately if you notice fraudulent

  • Always pay close attention to the ATM and your surroundings. Do your automated banking in a
    public, well-lighted location that is free of shrubbery and obstructions.
  • Maintain an awareness of your surroundings throughout the entire transaction.
  • Be wary of people trying to help you with ATM transactions.
  • When leaving an ATM make sure you are not being followed. If you are, drive immediately to a
    police or fire station, or to a crowded, well-lighted location or business. Call 911.
  • Do not use an ATM that appears unusual looking and be alert of skimming devices that may be
  • Do not allow people to look over your shoulder as you enter your PIN.
  • Never count cash at the machine or in public.
  • Take your ATM receipt with you.
  • Prepare all transaction paperwork prior to your arrival at the ATM. This will minimize the
    amount of time spent at the machine.
  • If you are in a situation where someone demands your money, comply and report it immediately
    to the local authorities and bank.
  • When possible have a friend or family member along
  • Keep your engine running, the doors locked and the windows up at all times when waiting in
    line at an ATM.

Report Fraud, Identity Theft, Scams, or Suspicious Activity

If you believe you are the victim of fraud or identity theft, contact us immediately. If you are the victim of identity theft , you should contact the major credit bureaus to request an alert be placed on your credit file and contact local police.

Additionally, you should check your credit report at least annually. If you receive suspicious emails, text messages, or phone calls claiming to be from First Federal Bank Littlefield, TX ssb, please forward them to us. Do NOT reply or click on any links.

First Federal Bank
2313 Phelps Avenue
Littlefield, TX 79339
(806) 385-7511

You are entitled to one free credit report annually from each of the three major credit bureaus:

P.O. Box 740241
Atlanta, GA 30374-0241
(800) 525-6285

P.O. Box 9532
Allen, TX 75013
(888) 397-3742

Transunion - Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790
(800) 680-7289