The safety and security of your personal and financial information is important to us. Proactively monitoring your activities will help you protect yourself from fraudulent and suspicious. Be vigilant.


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Protect your identity Protect your accounts Stay safe online

Note: First American International Bank (“FAIB”), and other reputable companies, will never contact you and ask for personal information such as Social Security number, username or password or ask you to download a file.



Protect your identity

Identity theft can occur at any time. Protect your information to prevent a thief from stealing your personal information (such as a Social Security number, a bank account number or your name and address) to commit fraud or theft, and damage your credit record.

Identity Protection Tips

  • Don't carry around more checks, credit cards and other bank items than you really need.
  • Don't carry your Social Security number in your wallet, and choose passwords and PINs (Personal Identification Numbers) that will be tough for someone to figure out.
  • Only provide your Social Security number to a reputable firm that requires it for a legitimate business purpose.
  • Review your bank and credit card statements regularly and check for any suspicious activity. Regular account review helps to quickly detect and stop fraudulent activity.
  • Do not provide payment information or any personal information on a call that you did not initiate.
  • Keep a copy of all your identification, debit cards, credit cards and other important documents in case they are stolen. If your card(s) are stolen you can easily call the Bank to cancel your cards.
  • Replace paper statements, invoices and checks with electronic versions, reducing the risk of mail fraud. Sign-up for FAIB Online Banking with Bill Pay and enroll in eStatement to reduce your paper mail.
  • Always shred documents containing personal or financial information before discarding.
  • Safely store extra checks, credit cards and documents that list your Social Security number.
  • Review your credit report as least once a year. Any suspicious or unknown transactions should be reported immediately. To order your credit report, call the following toll-free numbers; Equifax: 800-685-1111, Experian: 888-397-3742, or Trans Union: 800-888-4213.
  • Avoid "shoulder surfing" (people looking over your shoulder to steal your personal information) when using an ATM, a pay-by-card gas pump, a grocery store card swipe machine or any other public debit or credit machine. Be aware of your surroundings and keep an eye on the people around you.

Steps To Take If You Are A Victim Of Identity Theft

  • Contact the fraud departments of each of the three major credit bureaus and request a "fraud alert" be placed on your file and no new credit be granted without your approval. Equifax: 800-685-1111, Experian: 888-397-3742, or Trans Union: 800-888-4213.
  • Immediately close any accounts that have been fraudulently accessed or opened.
  • File a local police report and get a copy of the report to your bank, credit card company or others that may need proof of the crime.
  • The Federal Trade Commission (FTC) can assist victims by providing information to help resolve problems that can result from identity theft. You can file a complaint with the FTC by calling toll-free 1-877-ID-THEFT (438-4338).

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Protect your accounts

Protect and secure your checking, credit card and debit card accounts. Use these tips to help get you started.

Checking Account Security Tips

  • Report lost or stolen cards and checks immediately.
  • Review your bank and credit card statements regularly and check for any suspicious activity. Regular account review helps to quickly detect and stop fraudulent activity.
  • Signup for FAIB Online Banking with Bill Pay to conveniently monitor your account at any time.
  • Don’t print your driver license number or Social Security number on your checks.
  • Store your checks in a safe and secure location (new and cancelled).

Debit Card and Credit Card Security Tips

  • Always keep your debit and/or credit card(s) in a safe and secure place.
  • Treat your card(s) like cash or checks. Contact First American International Bank immediately, at 631-881-5073 if your card is lost or stolen, or if you suspect unauthorized use.
  • When selecting a Personal Identification Number (PIN), do not use a number or word that is easy to guess or appears in your wallet, such as name, birth date or phone number.
  • Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
  • Only send your card number through email if absolutely necessary and ensure that the site is secure when inputting your card number.
  • Only give out your card number over the phone if you initiated the call.
  • Review your bank and credit card statements regularly and check for any suspicious activity. Regular account review helps to quickly detect and stop fraudulent activity.
  • To protect your account, First American International Bank recommends you to change your PIN regularly. Please call FAIB at 631-881-5073 for more information.
  • Cut up or shred old or unused cards.

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Stay safe online

Protect your account when sending emails, using social media, or shopping online. Use these steps to help guard your information.

Online Security Tips

  • Use a unique username and password for your First American International Bank account. Update your password regularly. Choose a username and password that is difficult to guess, avoid Social Security numbers, birth dates, email addresses, etc.
  • Protect your online passwords, do not share them with anyone and do not write them down.
  • Protect your security question answers. Do not write down or share your answers with anyone.
  • Use secure websites when entering card or account information. Look for secure transaction signs like a lock symbol and / or “https” in the address bar.
  • Use social media carefully and keep certain personal information private. Do not share personal details that are used by financial institutions to identify you, such as your birth date or mother’s maiden name.

Cybersecurity

Protect yourself against cyber thieves. Use these simple steps from the FDIC to secure your computers and mobile devices for Internet banking and shopping.

  • Have computer security programs running and regularly updated to look for the latest threats.
  • Be smart about where and how you connect to the Internet for banking or other communications involving sensitive personal information.
  • Get to know standard Internet safety features.
  • Ignore unsolicited emails asking you to open an attachment or click on a link if you’re not sure who truly sent it and why. Opening an attachment is one of the most common ways for an criminal to steal or destroy your information and/or take charge of your computer.
  • Be suspicious if someone contacts you unexpectedly online and asks for your personal information.
  • Use the most secure process you can when logging into financial accounts.
  • Be discreet when using social networking sites.
  • Be careful when using smartphones and tablets.
  • Parents and caregivers should include children in their cybersecurity planning.
  • Small business owners should have policies and training for their employees on topics similar to those provided in this checklist for customers, plus other issues that are specific to the business.

For more complete information, please click here for the FDIC’s Bank Customer’s Guide to Cybersecurity.

Email / Phishing Security Tips

  • Be wary of emails from unknown senders. Never open suspicious emails, attachments, or click on links from unknown senders. Criminals often place a virus in an attachment or link that can give them control over your computer and all of its contents.
  • If you receive a suspicious email, do not respond or provide any information.
  • For more information about phishing, please click Phishing Information.

Computer Security Tips

  • Do not download programs from unknown sources, and ensure the computer’s operating system and software are current.
  • Keep all anti-virus software installed and updated.
  • Do not use public computers for banking or other financial transactions. Online banking activities should only be accessed on a computer that you know it is safe and secure.
  • If you use a home wireless router for your home internet connection, make sure your security settings prevent unauthorized users from accessing your devices. For best security, use WPA or WPA2 (Wireless Protected Access) encryption tool on your wireless device. WPA2 is the preferred encryption tool used to secure your wireless connection.

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Know Who The Other Party Is

Be careful to know who you are communicating with in the internet. There are many fraudulent sites and fake personalities, such as on Facebook, that use pictures and other indications that they are genuine, but they are not genuine. You may also receive phone calls from people claiming they are a legitimate organization or person. When in doubt do not use those sites or speak with those people. And never give out your personal information unless you initiated a call to a known entity and they need it to verify your identity. Even then, never give out your password. FAIB never asks for your password.

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