Privacy & Protection

1. Malware – Email commonly transports malware (malicious software) that can result in identity fraud or computer damage. Malware describes any program designed to cause harm. Some common types of malware include viruses, worms and trojans.
2. Phishing – Phishing also threatens email users. It is a type of email fraud in which the perpetrator poses as a legitimate, trustworthy, business in order to acquire personal and sensitive information, like passwords or financial data.
3. Spyware – A method used to capture data by forcing a download of malicious software onto your computer while surfing the internet. Once downloaded, the software runs in the background without your knowledge and captures your keystrokes often leading to personal information or even logon credentials. Thieves then use this information to further gain access to various things such as your bank accounts, online banking, credit cards or even social media sites which then leads to identity theft.

• Never include sensitive information in an email.
• Never open or respond to SPAM (unsolicited bulk email messages)
• Never click on links within an email
• Don’t open attachments from strangers
• Don’t open attachments with odd extensions
• Never give out your email address to unknown websites

• Be selective about where you surf
• Use a secure web browser
• Select strong passwords
• Don’t choose “Remember My Password”
• Don’t use public computers for sensitive transactions
• Use only secure websites when shopping or banking online. Be sure the web address is “https.” The “s” means that the website is encrypted and secure. Make sure to “verify” the security of a website by clicking on the “verified by” logo.
• Log off when you are done using web sites that require a User ID and Password
• Install anti-virus and anti-spyware software on your computer. Enable the firewall to protect your computer. Keep your operating system and all other software up to date by installing patches/updates immediately. Software vendors release such updates to fix security issues that have been identified, therefore keeping your system up to date lowers your risk.

Card Sentry is a card monitoring program that helps us to monitor for fraud on your Visa Debit Card.

This preventative protection includes:

• 24×7 Monitoring
• Protecting as you travel
• Contact you when issues arise
• Card restrictions when suspected fraud occurs

This service is not meant to be a substitute for the monitoring of your own account by online banking or reviewing your monthly statements. This is just an extra step we take to ensure your accounts are secure.

When traveling be sure to take the following steps:

• Use the MyLBC app to add travel notifications
• Or call one of the offices to provide a list of your destinations
• Be sure your debit card will be accepted
• Be aware of international pass-thru fees

• Remember you may choose to run your debit card as a credit transaction. This will avoid the chance of someone seeing your PIN as you enter it.
• Check your bank statements or online banking regularly. If you notice anything unusual, contact us immediately. Ask us today about our Card Fraud Department and how we work to protect you!
• Memorize your PIN! Only you should know your PIN. If you suspect that someone else knows your PIN, contact us immediately.
• Change your PIN via the MyLBC app at any time.
• Keep your debit card in sight when conducting transactions. If you suspect that your card has been lost or stolen, contact us immediately to report it.
• Be cautious when using your debit card online. Verify the security of the website before entering your card information.