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Privacy & Security

Consumer Awareness is the key to protecting your privacy and security. Click on one of the topics below to learn more.

Report Problems with Your Account
If you believe your First Jackson Bank account has been compromised or accessed in an unauthorized manner, please contact our bookkeeping department at 256-437-2107 or 1-888-950-2265. It is our goal to keep you informed and educated in the necessary precautions to avoid becoming a victim of identity theft or account fraud.

Lost or Stolen Debit Card
If you have lost or believe your debit card has been stolen, please be sure to report it right away. The longer you wait, the greater the chances are that your card can be used in a fraudulent manner.

To report a lost or stolen First Jackson Bank debit card, call 1-800-264-5578.

Fighting Fraud with Multi-Factor Authentication
At First Jackson Bank, knowing YOU is key to protecting your accounts and your personal information. First Jackson Bank utilizes state-of-the-art technology like Multi-Factor Authentication (MFA) to help deter fraud and ensure you, and only you, have access to your accounts. Sometimes referred to as 2-step authentication, MFA is a multi-step security process that's used to verify your identity. Here's an example of MFA you're likely already familiar with.

Using your bank card at an ATM is a great example of MFA. Possessing and inserting your unique bank card into the ATM machine is the first step in identifying you as a First Jackson Bank customer. But as you know, simply inserting or swiping your card is not enough to gain access to your account. After all, anyone could have found or stolen your card, right? That's why a second authentication step is required.

The second step in the MFA authentication process is entering your PIN number - a number that only you should know. With MFA, only when you have entered your unique bank card AND ALSO your correct PIN number are you given access to your account and the ability to conduct banking transactions.

Just like MFA protects your bank account from unauthorized access at ATMs, MFA is also used to protect your NetTeller account from online scammers and hackers. Most of the time you won't even notice MFA, but rest assured it is working hard behind the scenes to protect your account.

For security reasons, First Jackson Bank cannot divulge exactly how or when MFA works with NetTeller. When NetTeller's MFA is triggered, you will be asked to provide additional information. One way NetTeller's MFA attempts to prove your identity is with "challenge questions" - questions and matching answers that only you, the account holder, would know. With Multi-Factor Authentication, First Jackson Bank provides one of the highest standards of protection for your funds and private information.

Debit Card Fraud
Various methods can be used to illegally capture the information from the magnetic strip on the back of your debit card. One way is by inserting an electronic device (a skimmer) into an existing card reader. These devices are now being discovered on gas pumps, ATMs, and other places where you might insert or swipe your card. Fraudsters have even been known to replace an entire device or mount a false-front panel in an attempt to skim your debit card information. Used in conjunction with a tiny hidden camera, they then have everything they need to use your account.

Here are a few tips to help protect yourself against debit card fraud.

  • Be more aware of your environment when using your debit card.

  • Use ATMs at banks as they may be more safe than those found at other locations. Remember, most banks are experienced with matters of security.

  • Be wary of ATM or payment machines that appear altered.

  • Examine the card slot to see if it appears raised. If it appears to be raised, fraudsters may have inserted a card skimmer.

  • When entering your PIN number, cover the keypad with your other hand.

Email Fraud, Spoofing & Phishing
Each year, millions of email messages are sent both directly and through the computers of friends and businesses. These email messages are typically designed to spread spyware, steal your personal information, or both. Collected information is then used to steal from your accounts and to commit additional crimes using your identity.

Here are a few tips to help protect yourself against email fraud, spoofing, and phishing.

  • First Jackson Bank will NEVER ask you to update your account information through email. If you receive an email message that appears to come from First Jackson Bank and it is requesting personal or financial account information, DO NOT click on any link associated with the email.

  • Beware of any email message asking you to respond in an urgent manner or to supply personal information. Legitimate businesses rarely use email to communicate urgent situations. If you're suspicious, call the business to verify the situation.

  • Identify suspicious email messages and their corresponding web sites by looking for "oddities" such as spelling errors, grammatical errors, poorly worded language, and flaws or inconsistencies in the graphic design.

  • If the email looks suspicious, find out who the email message is "really" from by viewing the full header of the email message. Contact your email provider to learn more.

  • Before you click on a link in a suspicious email message, know where that link will take you. Contact your email provider to learn more.

Phone Fraud
Fraudsters have even been so bold as to call and ask for your personal information. This technique is usually employed under the pretense that you have won something. In order to claim it, you need to provide them with your personal information. Each year, thousands of people are affected by this scam. Remember, if an offer sounds too good to be true, it probably is.

Identity Theft
All of the above methods (including others not mentioned here) can lead to identity theft. Identity theft occurs when someone uses your personal information such as your name, social security number, debit card number, or other identifying information without your authorization. The identity thief oftentimes uses your personal information to commit other frauds and crimes.

Here are a few tips to help protect yourself against identity theft.

  • Shred all documents that have personal information on them such as date of birth, account numbers, or social security numbers.

  • Immediately report your lost or stolen debit card.

  • Never share your full social security number through email and be wary of sharing your entire number over the phone.

  • Check your credit report annually.
    • Equifax: www.alerts.equifax.com 1-800-525-6285
    • Experian: www.experian.com 1-888-397-3742

      You are entitled to a free credit report annually by direct request to www.annual.creditreport.com.

If you believe that you have been a victim of identity theft the following actions may help to minimize your exposure:

  • File a police report with your local police department.

  • Close and change account numbers on all bank accounts you feel may be compromised.

  • File a complaint with the Federal Trade Commission 1-877-438-4338.

  • Obtain an Identity Theft Affidavit from the FTC and forward a copy to each business where your information was used fraudulently to open an account along with a police report.

  • Maintain detailed records of all actions taken.

First Jackson Bank Privacy Policy
First Jackson Bank recognizes that our customer relationships are based upon TRUST. We want you to understand our commitment to providing you the best service possible while maintaining strict control over the access and use of your non-public personal information. This notice outlines our privacy policies.

Definitions
Listed below are definitions to certain words we feel will help you better understand this privacy policy notice.

  1. "You" or "Your" - These refer to our consumer customers who have a continuing customer relationship with us, such as having a deposit account; a loan account; or a safe deposit account. "You" and "Your" also refers to our former customers.

  2. "We", "Our", or "Us" refers to First Jackson Bank.

  3. "Non-public personal information" means: Personal financial information that we collect from you or obtain using personally identifiable financial information that is not publicly available.

  4. "Personally identified financial information" means:

    • Information provided to us to obtain financial product or service;

    • Information results from any transaction using a financial service or product between our financial organization and yours, or

    • Information we obtain about you in connection with providing the service product.

  5. "Affiliate" means: Any company that controls us, is controlled by us, or is under common control with us.

  6. "Control" means: To have enough ownership to control the election of a majority of the directors, or having enough control to influence the overall management or policies of the company.

  7. "Non-affiliate third party" means: Any company except our affiliate.

Information That We Collect
We collect non-public, personal information about you from the following sources:

  • Information we receive from you on applications or other forms;

  • Information about your transactions with us, our affiliate, or other; and

  • Information we receive from a consumer reporting agency.

Information We Disclose
We do not disclose any non-public, personal information about you to an affiliate or non-affiliate, except where permitted by law. As permitted by law, we may disclose all of the information we collect as described above (such as name and address) to companies that perform marketing services on our behalf, or to other financial institutions with which we have joint marketing agreements (such as insurance agents and credit card providers). When information is provided to third parties as a result of a service/marketing provider we will include in our agreement a statement of information that information will only be used for the purpose intended and service provider will apply the same privacy standards to customer information that the bank does.

Access to Confidential, Non-Public, Personal Information
We restrict access to your non-public, personal information to those employees with a need to know the information to provide the best public service to you. We maintain physical and electronic controls over the access, retention and use of your non-public personal information that comply with the banking laws and regulations.

We provide training to our staff so that they may understand our procedures to safeguard your information.

Former Customers
If you decide to close out your account(s) with us, this policy will apply to you as a former customer.

Account Number
We will not share your account number with non-affiliate, third parties for marketing purposes, except where permitted by law or with your authorization.

Medical Information
We will not use any medical information you provide to us for any purpose not intended at time obtained and will not share information with anyone without your authorization.

If you have any questions regarding our privacy issues, please contact:

Linda Shrader
PO Box 828
Stevenson, AL 35772
(256) 437-2107

Consumer Complaint Policy
We are committed to providing you products and services that are in compliance with Federal and State regulations. If you have concerns that cannot be addressed and resolved by one of our customer service representatives, you may contact our Compliance Officer, Linda Shrader. She can be reached at:

Linda Shrader
PO Box 828
Stevenson, AL 35772
(256) 437-2107

You should receive a response from her within ten business days.

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