The privacy and safety of our customer's information is the utmost importance

to us and will always be first and foremost when servicing our customers.



Good Practice Tips to Prevent Fraud

  • Password Protection:  Eighty percent of cyber fraud involved either stolen or weak passwords.  Below are a few tips about creating stronger passwords. 
    • Proactively change your passwords on a regular basis
    • Use passphrases (a series of words) as opposed to a single word
    • Include numbers, symbols, upper and lowercase letters
    • Never use your network username as your password
    • Do not use passwords which can be guessed via your social media postings
    • Avoid using the same password for multiple sites
  • Spot a Potential Imposter:  Scammers will often pose as someone you should trust, like the IRS, a charity representative or a company you are already doing business with.  Never give out personal information in response to an unexpected request and never send money without talking it over with a trusted adviser, friend or family member.  Con artists will want you to make decisions quickly, slow down and think it through.
  • Do Online Searches:  Type a company or product name into your favorite search engine with words like "review", "complaint" or "scam".  Or search for a phrase that describes your situation or the type of communication you have received.  Even phone numbers can sometimes be searched.
  • Never Pay Upfront for a Promise:  You may be asked to pay in advance for things like, debt relief assistance, credit card or loan offers, or for a "Prize" that you have won.  Never pay in advance for anything.  More times than not they will take the money and disappear.
  • Be Careful How You Pay:  If someone you don't know is requesting money in cash, by gift card or by wiring the funds, Do Not Do It!  These are scammers preferred method of payment
  • Be Aware of Phishing Emails and Texts:  Phishing is when a scammer uses fraudulent emails, texts or fake websites to get you to share personal information, like account numbers, Social Security numbers, or Login ID's and Passwords.  The look and feel of a scammer website can seem very authentic--Know who you are doing business with!  Avoid clicking on links from unknown sources--phishing emails, when opened, can cause damage to your computer, tablet or phone, and steal personal information.
  • Protect Your Smartphone & Tablet:  Just like your computer these devices should have antivirus software installed on them and always lock your phone/tablet when it's not in use.  Clear data from these devices at least once a week and always be careful when using "public" Wi-Fi networks.
  • Money Transfer Scams:  Scammers will often pressure you to transfer money quickly so that they are in possession of the funds before you realize you've been cheated.  Some common transfer frauds are, Fake Check Scams (you're instructed to deposit a check and wire a portion of the money back), Lotteries & Sweepstakes, IRS-Money OwedFamily Emergency Scams.  These are all very common ways to defraud consumers--NEVER Wire Money to someone you do not know.


Report Fraud


Actively reviewing your account activity every week can help you identify

suspicious transactions or possible fraud early on.  Enroll in Notifi and receive

alerts on your accounts as they happen!


To Report Fraud please contact our Accounting Department at 610-627-0560

You can also contact your Local Branch Or if after business hours

email us at



Lost Your Debit Card?


Take the following steps if you need to report a lost, stolen, or

compromised Visa Check / ATM Card.

  1. Call 1-800-472-3272 and speak with a bank representative.
  2. Log into our Mobile banking App-TouchBanking and select "Manage my Cards" section, turn "Block Card" option On.  If you do not have access to Mobile Banking please call 1-800-472-3272 and speak with a representative.
  3. Contact your local branch the next business day to ensure we have not seen any suspicious activity on your account.



Worried You Have Been a Victim of Fraud?


Please contact Branch Personnel immediately at anyone of our 6 locations


If during normal business hours, telephone is the quickest way to report

possible fraud.  You can also email us at


Unsure if you're a victim of Fraud?  Take the Fraud Test:  Please click the

below link for more information. 


If you can answer "Yes" to any of these questions, you could be involved in a

fraud or about to be scammed and REMEMBER a Bank representative

will never ask you for your logon credentials or personal information

over email or via the telephone.


FBI Fraud Alert


Your Protection and Your Rights (Regulation E)


The purpose of Regulation E is to protect consumers who engage in

Electronic Funds Transfer (EFT).  The regulation lays out very specific

requirements for how the bank must handle the resolution of EFT error

claims made by the consumer, and how much the consumer can be held

liable for in an unauthorized EFT situation. 



  • Point of Sale Transfers
  • ATM Transfers
  • Direct Deposits
  • Electronic / ACH Withdrawals
  • Debit Card Transactions
  • Electronic Check Presentments
  • Transactions Initiated by Telephone or Internet


Here is what the Federal rules require: 

  • Loss is limited to $50 if you notify the bank within two business days
  • Loss could be up to $500 if notification to bank happens between 3 and 59 days
  • After 60 days you could be legally liable for the full amount


Be diligent in reviewing your monthly statements, especially any EFT

transactions.  Should you notice suspicious activity or unauthorized transactions

Contact Us right away. 


Our Promise to You:

  • Prompt investigation of your claim
  • Full resolution within 45 business days
  • A full credit to your account if investigation takes more than 10 days 


Commercial Customers - Online Banking Risk Assessment 


For our commercial clients that are using Business Online Banking,

it is strongly suggested you perform periodic risk assessments

regarding your internal controls and employee authorizations.


Some questions to keep in mind are:

  1. Are employees required to sign an Acceptable Use Policy (AUP)?
  2. Do employees using the Internet sit through security awareness training?
  3. Do you complete background checks on employees prior to hire?
  4. Is a dedicated computer system used for e-Banking activities?
  5. Do computers have up-to-date antivirus software?
  6. Is there a process in place to ensure software updates and patches are applied?
  7. Is a firewall in place to protect your network?
  8. Is Email SPAM filtering being used?
  9. Do you have an Intrusion Detection/Prevention System in place to protect the network?
  10. Is Internet content filtering being used?
  11. Are Business Online banking users trained to lock their workstations when they leave them?
  12. Is wireless technology used on the network with the Internet banking system?
  13. Are critical systems located in a secure area?
  14. How are passwords protected?


Please see the below link for a list of Best Practices for Businesses. 


Business Online Best Practices



Links to Additional Information


Protect Yourself Online

FDIC: Consumer Protection Tips

Phishing & Cybersecurity Advice

Financial Abuse of Elders / Senior Citizens

OnLine Security Tips

Digital Banking Tips from FDIC


 Credit Bureau Information

 Transunion: 800-916-8800
 Experian: 888-397-3742
 Equifax:  888-548-7878