First Federal Community Bank is very serious about limiting the exposure of your private information and personal financial data, both on paper and online. All the security measures you face as users have been designed and tested to be the least intrusive of accepted best practices for protecting your identity and your data and preventing unauthorized transactions. While is not wise to explicitly outline all of the security measures we use, we want you to know that a combination of overlapping layers of security features are in place to protect you when you bank with us. 

You may have noticed from recent stories on the Internet and on the news that account takeovers are becoming a widespread problem for businesses that originate ACH transactions. And while the Northeast Texas region may be isolated from some of the more common frauds of the metropolitan areas, the Internet makes everyone, not only businesses, equal and accessible for this type of crime.

As banks increase and layer the security features of our online networks, the criminals have determined it is much easier to hack the end users than the banks. In most cases, your computer is now the target of online criminals.

First Federal Community Bank has always taken online security very seriously. But to be safe online, you must too. From our bank, we do not manage and monitor your network or computers and you are responsible for the security of your computing environment. Please read all our offerings in the security area of the public website. We hope that this information helps you better understand your online security.

Some steps to mitigate the risks on online banking for you might include:

  • Any computer(s) or other online device(s) you use must have reliable antivirus software installed correctly, with new definitions being updated daily if not more often. You should ensure the virus software is running and has been updated before using it to login to your banking accounts.
  • Don't use public computers or public networks for online banking.
  • Maintain operating systems, browsers and applications with patches and security updates as often as they are available. Many programs allow you to select to install these updates automatically.
  • Monitor your accounts daily and note any changes in the performance of your computer that may indicate the presence of malware such as: loss of speed; changes in appearances; computer lock-up, unexpected rebooting or inability to reboot; unexpected requests for passwords or tokens; or any unusual pop-up messages.
  • Do not share online credentials. Each person, regardless of relationship, should have a separate login and password if they wish to conduct online banking
  • Visit our Security Alerts Page to see information about current frauds and scams in our area. Or visit Federal Trade Commission Online Privacy Site to see information on privacy and online frauds and suggested protections provided by the Federal Consumer Protection Agency.

Except for the following instances or without a prior request from you, we should never contact you directly to ask you questions about account details or your private financial information.

  • We might contact you by mail to request updated tax and financial statements as may be regularly required in connection with loans or lines of credit established by you at First Federal.
  • We would also try to contact you to update information when we have been informed the mailing address or telephone number tied to your information is no longer current or correct.

If you are called by us or someone pretending to be us, do not rely on Caller ID information to determine if the call is from First Federal Community Bank. Please identify the caller and tell them you would be more comfortable calling the bank yourself, hang up and dial 903-784-0881 and ask to be transferred to the person who called you.

If you ever suspect yourself to be the victim of any fraud, whether online, by telephone or in person, please call us as soon as possible at 903-784-0881, or contact your local banking center.