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Fraud Alerts

Credit Card Skimming Alert   Posted 6/9/20

What is Credit Card Skimming?

Credit card skimming happens when a small and illegal device is used on top of a real card readers at self-service sale terminals by snatching and then storing your information when you swipe your card. The thief will come back later to collect the device and either use or sell your information. PINS can be captured with a fake keypad or with small hidden cameras. These devices are hard to spot making it difficult to know when your information has been stolen.

Tips to Spot A Skimmer

  • Use machines in brightly lit areas with people around. Hidden gas station pumps or remote ATM machines are easier for a skimmer to be attached without anyone noticing.

  • Assess the machine for signs of tampering

  • Nudge the card reader and keypad. If they feel loose, it could be a skimmer.

  • Cover your hand at ATMs when you type in your PIN.

  • Compare the card reader and the keypad to the rest of the machine. The style, colors, and graphics should match up.

  • Look for a credit card reader that stick out far past the panel, a security seal that has been voided, or a pin pad that is thicker than normal.

Remember to watch your accounts closely and report any suspicious activity to the bank immediately at 215-634-7000.

Equifax Data Breach Posted 9/18/17

You have likely heard about the recent Equifax data breach, as this unfortunate event affects approximately 44% of Americans. Equifax was compromised and the personal information of approximately 143 million consumers was stolen. The information leaked may include:

  • Consumer names
  • Social Security numbers
  • Birthdates
  • Addresses
  • Driver’s license numbers

This was NOT a compromise of PRSBank and no information was taken from our systems. We wanted to share this information about Equifax to ensure you are aware of the issue and take the proper precautions to reduce the chances of fraud and identify theft.

Equifax has set up a special website to provide updated information to consumers: https://www.equifaxsecurity2017.com/ In addition, Equifax is suggesting you take the following steps to protect yourself:

Equifax recommends that you remain vigilant for incidents of fraud and identity theft by reviewing account statements and monitoring your credit reports. You may obtain a free copy of your credit report from each company listed below once every 12 months by requesting your report online at www.annualcreditreport.com, calling toll-free 1-877-322-8228, or mailing an Annual Credit Report Request Form (available at www.annualcreditreport.com) to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. You may also purchase a copy of your credit report by contacting any of the credit reporting agencies below:

PO Box 740241
Atlanta, GA 30374

PO Box 9554
Allen, TX 75013

PO Box 2000
Chester, PA 19016

If you believe you are the victim of identity theft, you should contact the proper law enforcement authorities, including local law enforcement, and you should consider contacting your state attorney general and/or the Federal Trade Commission (“FTC”). You also may contact the FTC to obtain additional information about avoiding identity theft.

Federal Trade Commission, Consumer Response Center
600 Pennsylvania Avenue NW, Washington, DC 20580; 1-877-IDTHEFT (438-4338)

State Attorneys General: Information on how to contact your state attorney general may be found at www.naag.org/naag/attorneys-general/whos-my-ag.php.

You may obtain information from the FTC and the credit reporting agencies listed above about placing a fraud alert and/or credit freeze on your credit report. Please also visit the “State Information” tab of this site.

Please contact Equifax for specific questions about the Equifax breach and its effect on your information. Equifax has set up a dedicated call center, which you can contact at 866-447-7559. If you have other questions, please feel free to contact us at 215-634-7000.


Posted 6/3/14

FAQ Heartbleed Bug

What is the Heartbleed Bug?

Heartbleed is a flaw in the programming on secure websites that could put your personal information at risk, including passwords, credit card information and e-mails. The Heartbleed Bug is a defect in encryption technology - called Open SSL - used by most webservers to secure users' personal or financial information. It is behind many "https" sites that collect personal or financial information. Basically, it provides a secure connection when you are conducting a transaction or sending an e-mail online. Experts discovered the bug recently and warned that cybercriminals could exploit it to access visitors' personal data or to impersonate a website and collect even more information.

Am I affected?

Most active users of the internet have likely been exposed, since a majority of websites- including Facebook, retail and even government sites- use the Open SSL software. But it is unknown whether any criminals have actually exploited the bug, and several major sites, like Amazon, have already installed patches. Most sites with an address beginning with "https" are vulnerable until the website operator fixes the bug and users change their passwords.

Is my bank account safe?

Yes, consumers are always protected from unauthorized transactions. Let the bank know immediately if you suspect any unusual activity. Banks are monitoring your accounts. They use many different systems to protect customers' information including rigorous security standards, encryption, and fraud detection software.

What can I do?

As always, it is a good idea to update your bank password every few months. Also, monitor your account regularly and report suspicious transactions immediately. Beware of phishing scams- or e-mails with malicious links- that will attempt to get additional sensitive information from you.

What are banks doing?

Banks are researching the possible impact of the Heartbleed Bug and are taking appropriate actions to ensure that it has no impact on their customers. Most Internet banking applications are not impacted by this bug. Most financial institutions have a special layer of security that prevents this type of exploit and some don't use Open SSL at all.

Protecting Your ATM/Debit Card

Posted 6/04/13

Protecting your Visa/Mastercard Debit or ATM card requires 24/7/365 days a year monitoring. Our fraud detection programs monitor your card transactions for any suspicious activity. If potentially fraudulent transactions are taking place, we'll contact you immediately so that future fraudulent transactions can be avoided.

What We Monitor

Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual timeframes and geographical locations, or purchase patterns that are consistent with previously identified fraud trends.

How We Contact You

Getting in touch with you quickly is critical to stopping any potential card fraud. 86% of Americans have a mobile device and this offers a convenient and free* method to contact you fast. With our Card Alert Notification service, you will receive a text message asking you to confirm if a suspicious transaction was authorized by you.

Receiving a text message

  • The text message will arrive with a 5 digit code (33748) and contain our financial institution name, dollar amount of the transaction and merchant name.
  • You will be asked to reply with "Yes" if you authorized the transaction. You will receive a confirming text message and can continue to use your card with confidence.
  • A "No" reply means you have not authorized the transaction. You will receive a confirming text message and you will be contacted immediately by a fraud specialist to protect your account. Please answer this important call.
  • Do not reply to the text message with any personal or confidential card information.
  • If you would like to opt out of receiving these ,important messages by text, you may reply with STOP to indicate this preference.

Help Us Protect You

  • Keep us up to date with your current mobile and phone numbers and contact information.
  • Traveling in the U.S. or to a foreign country for an extended period of time? Contact us prior to your departure and we'll make our monitoring more flexible during your travel or vacation time.

*Text messages to your mobile device are free, but all other fees on calls and texts are subject to the terms of your voice/data plan with your mobile carrier.


Posted 11/26/12
Please be aware of the latest malware, being called Citadel and specifically designed to financial institutions. One element related with the Trojan is fake pop-ups during online banking transactions, which then fools online users into entering usernames and passwords. We strongly urge users to run full-system virus scans at least once a week, keep software up-to-date (especially Java), and always think twice before entering usernames and passwords. Take your time and if something seems odd, stop. Feel free to call us at 215-634-7000 with any questions or concerns you have.


Posted 10/28/11
After an increase in phishing scams over the past few weeks related to consumer bank accounts, the American Bankers Association has suggested these tips for all consumers. Please be aware especially of any seemingly legitimate text messages asking for personal information or asking you to call an unfamiliar number.

Tips for Consumers

  • Never give out personal or financial information in response to an unsolicited phone call, fax, e-mail or text.
  • Contact the bank to confirm the legitimacy of any e-mail that asks for the submission of personal or banking account information.
  • Check credit card and bank account statements regularly for unauthorized transactions, even small ones.
  • Make sure websites are secure when submitting financial information online. Check for padlocks or key icons at the bottoms of Internet browsers. Most secure Web addresses also use "https."
  • Report suspicious activity to the Internet Crime Complaint Center, a partnership between the Federal Bureau of Investigation and the National White Collar Crime Center.
  • Contact your bank immediately if a phishy link may have been clicked or a suspicious communication responded to.
  • For information about identity theft, visit the ABA's Consumer Connection.

Text messaging scams

Posted 4/15/10

With the phenomenal growth of text messaging, it was only a matter of time before scams appeared in texts. One scam involves a text message that impersonates your bank. Many people have received this text message: “XYZ Bank alert -- your card starting with 4828 has been deactivated; please contact us at 555-555-5555 to reactivate your card.” Anyone calling the phone number provided is asked for personal banking information, which is used to steal money. Tips to avoid getting ripped off:

  • If you do not know who is making a request for personal information, delete the message/e-mail or hang up.
  • Never give out personal information, such as your Social Security number, bank account numbers or credit card numbers, to anyone you do not know.
  • Port Richmond Savings will never ask for personal account information by text message or e-mail.
  • If you receive a call asking for personal information, hang up and call Port Richmond Savings to verify that the request is valid.


Posted 2/22/10

There have been incidents of fraudulent callers posing as employees of Port Richmond Savings and Mastercard asking for personal information over the phone. Please note that Port Richmond Savings will NEVER ask for personal financial information (i.e. debit card numbers, account numbers, social security numbers, or passwords) over the phone. If you receive such a call, please notify us immediately.

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