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Fraud Prevention and Information

Regulation E, a regulation set forth by the Federal Reserve, outlines the rules and procedures dealing with electronic funds transfers (EFTs). The rules that discuss unauthorized electronic debit and credit card usage, as well as those accounts with Internet access, fall under Regulation E as well.

Customers may receive a phone call from the Bankís Fraud Prevention Unity if fraudulent activity is found on the account.

If a customer notices fraudulent activity on their account, please call Customer Service immediately at 812-981-7750 or toll-free at 1-866-944-2004.

Online Banking

While nothing is foolproof, and new viruses and scams are being developed every day, following some basic guidelines as well as having a general awareness of the threats that exist enables you to bank online with more piece of mind and with less risk of being a victim of fraud. Many cyber criminals, also referred to as fraudsters, donít want to steal your identity in the traditional sense. They simply want to take your money and move on to the next victim.

  • Install and Use well-known Anti-Virus Software. Update the virus definitions regularly and scan your computer regularly. Avoid buying any software advertised in pop-up
    ads. Legitimate software isnít sold this way.
  • Use a software firewall. Enable the Windows Firewall if you are using XP, Vista or Windows 7. If you are using a Mac, enable the built-in firewall.
  • Keep your operating system up-to-date with the latest security patches.
  • Never click on a link from a business requesting you provide them with personal information. No reputable business will ever request personal information, including account numbers, passwords or social security numbers via a link. Pay close attention
    to URLís (Internet address) behind links in emails. Often in phishing attempts, if you hover the cursor over the link, it has nothing to do with the actual company they claim to be.
  • Donít open suspicious e-mail attachments. Historically email attachments are one of the most popular ways to spread malware. If you donít know what it is, delete it immediately.
  • On Financial sites using watermarks or personal images, do not log in unless you see the correct image.
  • Change your passwords often. Even if your financial institutions or any company you do business with online doesnít require it, it is a good practice to change your passwords at least every six months.
  • Donít use the same ID and PIN/Password combinations for every online account.
  • Do not store your ID and PIN/Password information where others could gain access to  it.
  • If offered by the financial institution, take advantage of hard or soft tokens, which provide a unique one-time-use password each time you access your account.
  • If accessing online information via a wireless network, ensure that the network is secure. Even if you arenít visiting a site where you enter an ID and password, you are leaving your computer exposed to possible threats.

Additional Internet Crime Prevention Tips can be found by visiting To file a complaint about Internet crime, visit