Your privacy and security are always on our mind at Fidelity Bank. With our own security infrastructure in place, we are confident that access to your accounts is private and secure; we are unable to provide similar assurances for other websites. While we work to protect your banking privacy, you also play a role in protecting your accounts. Only provide your Access ID or Online ID when your browser shows a secure connection (such as the “locked padlock” icon) directly to the Fidelity Bank Online/Mobile website or to another site you have investigated and fully trust. You should also have an up-to-date version of anti-virus software and use it before opening email attachments to protect yourself against potentially damaging computer viruses.

Our staff WILL NEVER ask you for your Personal Identification Number (PIN) on your Debit card or Fidelity Bank VISA® Debit card or your Fidelity Bank Online Banking Password. If you are asked for this information by anyone, please call 1-800-388-4380 immediately and inform our Client Care Center of the incident.

How to Protect:

Fidelity Bank Security Services

 

Security Center Resources:

Personal Information

At Fidelity Bank, we believe that the confidentiality and protection of our clients’ information is one of our fundamental responsibilities.

Fidelity Bank will never request confidential information via e-mail solicitation. Please report any such requests by calling 1-800-388-4380.

Protect Your Social Security Number (SSN)

  • Never send your SSN by unsecured email to anyone.
  • Request another number on your drivers’ license instead of your SSN.
  • Never carry your SSN in your wallet.
  • Do not print your SSN on your checks.
  • Do not give your SSN out just because someone asks for it. Understand why they need it and know whom you are doing business with.

Protect Other Personal Information

  • Never keep PINs (Personal Identification Number) and Passwords in your wallet or any visible location.
  • Be aware when using your PIN number that it should be protected.
  • Be aware of giving personal information over the phone, by email and over the internet, unless you have initiated the contact.
  • Be suspicious of anyone who calls you requesting personal information.
  • Shred any personal information or documents you no longer need that could be used to establish an identity in your name:
  • Pay Stubs
  • Pre-approved credit offers
  • Shopping receipts
  • Utility and phone bills
  • Insurance documents
  • Obtain your credit report regularly to check for fraud.
  • Review your bank and credit card statements for accuracy.

If your card is lost, stolen, or if you think your PIN is being used by an unauthorized person(s), please call us immediately at 1-800-388-4380 during business hours or 1-888-875-4809 after normal business hours.

ATM and Check/Debit Cards

Safekeeping Your ATM/Check Card and PIN

  • Treat your ATM/Debit Card like cash. Keep it in a safe place. Don’t leave it lying around.
  • Keep your Personal Identification Number (PIN) a secret. Your ATM/Debit Card will only work with your PIN. Memorize your PIN. Never write your PIN on your card. Never let someone else enter your PIN for you.
  • Do not reveal your PIN over the telephone, even if the caller claims to be with the bank or a law-enforcement official.
  • Do not lend your card or give your PIN to others.
  • To keep your account information confidential, always be sure to take your receipts and transaction records with you.
  • Always be sure to record your transaction in your account register. Review and reconcile your monthly statement promptly to verify each ATM transaction. If there seems to be a discrepancy, please notify us at once.

If your card is lost, stolen, or if you think your PIN is being used by an unauthorized person(s), please call us immediately at 1-800-388-4380 during business hours or 1-888-875-4809 after normal business hours.

Protect Yourself at the ATM

Safety Tips for using an ATM

Wherever you use your Fidelity Bank VISA® Check Card, you can protect yourself, your card and your money by remembering these important safety tips:

Before the Transaction

  • Never approach an ATM if you have any doubts or concerns regarding the ATM environment. If you notice anything or anyone suspicious near the ATM, use another ATM or come back at another time.
  • Do not approach an ATM after dark if the lights at the ATM site do not appear to be bright enough or if the ATM is obstructed from view. (Report the problem to the bank that operates the ATM as soon as possible.)
  • When possible, take a companion along when using an ATM, especially after dark.
  • When approaching a walk-up ATM, park your car close to the machine. Do not leave your car running or key in the ignition.
  • When using a drive-up ATM, keep the car running and the door locked. Before lowering your car window, observe the surrounding area. If anyone or anything looks suspicious, drive away immediately.
  • To minimize time at the ATM, try to fill out all forms (deposit slips, etc.) beforehand. Have your card out and ready for use.

During the Transaction

  • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.

After the Transaction

  • Once you have completed your transaction, take your money, card and receipt and immediately move away from the terminal. Never leave the ATM with your wallet and/or cash exposed.
  • Do not leave your ATM receipt or discard it carelessly. Retain the receipt with your account records.
  • If anyone follows you after making your transaction, go immediately to a crowded, well-lit area and call the police.

If your card is lost, stolen, or if you think your PIN is being used by an unauthorized person(s), please call us immediately at 1-800-388-4380 during business hours or 1-888-875-4809 after normal business hours.

Protect Against Phishing/Email Fraud

Email is not a secure transmission route so you should never include sensitive personal information like your social security number, account number, or personal identification number (PIN) in an email. If you would like to communicate this type of information to us, please use our Secure Contact Form or call us at 1-800-388-4380.

Do not provide your email address to third party websites without reading the privacy and security policies and terms and conditions of these sites to ensure you understand the circumstances in which your email address will be used. Third party websites may have privacy policies that are different from Fidelity Bank’s.

If you suspect suspicious or fraudulent activity related to your Fidelity Bank account(s) (ex. Internet Explorer, Safari, Google Chrome etc.) please let us know right away. You should also contact your Internet Service Provider so they may block suspect companies from your email inbox. To learn more about how to control and manage your incoming emails, please refer to your Internet Service Provider’s online resources.

Be Aware of Online Financial Fraud/E-mail Scams (Phishing)

Increasingly, Americans are receiving fraudulent emails that direct recipients to websites where they are asked to provide confidential, personal and financial information. These emails may vary significantly. Some claim that the individual’s personal information is necessary to assist in the fight against terrorism or for some other alleged legal purpose. Other emails purport to be from government agencies or legitimate financial institutions. The email may claim that there is a problem with an account and will provide a link to a site that may look authentic. You may be asked to input personal information such as bank account numbers, PINs or a Social Security Number. These fraudulent schemes are commonly known as “phishing”. DO NOT provide any personal information by clicking on the link. Fidelity Bank will never call you and ask for personal information over the telephone or request personal information via e-mail.

Additionally, we advise that you report any suspicious e-mail activity to the Federal Trade Commission. Submit information regarding the “phishing” file by entering a complaint with the FTC website. If you believe you have been defrauded, file your complaint at http://www.ftc.gov. You can also visit the FTC’s identity Theft website to learn how to minimize the financial damage from identity theft.

If you suspect Identity theft or fraud involving any of your Fidelity Bank accounts, contact us immediately at 1-800-388-4380.

Protect Yourself from Telephone Fraud

Be aware of giving personal information over the phone, by email and over the internet, unless you have initiated the contact. There are a number of telephone and telemarketing scams out there. To shield yourself from becoming a victim, visit The National Fraud Information Center’s Telemarketing Fraud Information and Telemarketing Fraud Tips.

Protect Your Electronic Devices

Fidelity Bank wants to help you protect your online personal or business activities and keep them secure. Be aware of online fraud methods and become informed of ways you can protect yourself while on the Internet. Online fraud is serious. Internet criminals use several methods to try and steal your personal information or take control of your home or business computer.

Types of Online Fraud:

  • Phishing. Fraudulent e-mails that attempt to trick you into visiting a bogus website and providing personal information.
  • Malware. Software that is malicious, such as viruses, worms and spyware, and is used to take remote control of a computer, delete files or install programs.
  • Keystroke logging. A form of malware that enables a criminal to record computer keystrokes. These programs specifically look for user IDs, passwords and credit card numbers. The thieves then use this information to access accounts online and steal funds, capture personal financial information and order merchandise.
  • Trojan horses. Another form of malware that uses a legitimate-looking program (such as free screen saver) that includes malicious software. These are used to trick users into installing keystroke logging and other malicious software.

Protect online information

  • Control physical access to your personal computer (PC). Take appropriate measures to prevent unauthorized persons from using your PC.
  • If you are using your PC and need to walk away from it for any reason, log off or lock your workstation.
  • Select passwords that would be difficult for others to guess and change them frequently. Use a combination of upper and lower case letters, numbers and special characters.
  • Do not give out your password to anyone. Do not save passwords on a website or leave written notes with your password near your computer.
  • Public computers may not have appropriate security controls and could be compromised. These include Internet cafes, computer labs, shared systems, kiosk systems, conferences, and airport lounges. Only use these computers for anonymous Internet browsing.
  • Use your online accounts at least every month to check balances and activity.
  • Always log off your business or personal Internet banking application when you are done.
  • Do not respond to or follow instructions from unusual e-mail or text messages. Many frauds are started by messages with a fake “From:” address. Do not assume a message is legitimate solely based on the “From:” address.

Protect Your Personal or Business Computer

  • Install virus management software on your PC and scan it regularly.
  • Keep your virus files up to date (i.e., latest signature files, product upgrades).
  • Install a firewall to protect each computer or a home router that includes a firewall to protect your home network.
  • Keep your computers up to date with current security patches. Set up your computers to automatically install patches so you don’t have to remember.
  • Be cautious when downloading and running programs or Java or ActiveX applets as they may contain un-secure data which cannot be filtered, for example, using firewall or anti-virus software. Only download from a trusted site.
  • Use extreme caution when opening email received from unknown sources and pay special attention to any attachments. Do not launch or open an attachment from an unknown source. When in doubt, delete the email without opening it.

PC Software

  • Understand and use the security features provided by your PC software, such as those included in many operating systems, browsers and word processing systems.
  • Ensure that your browser uses the strongest encryption available and be aware of the level of encryption used when you connect to various sites and applications for online payment or banking services.
  • Fidelity Bank currently uses encryption for all online banking services.
  • Use only software from reliable and known vendors.
  • Stay abreast of the latest release and patch levels of the PC software you use.

Protect Your Mobile Banking Experience

Here are some tips and general good practices for banking on your mobile device:

  • Download and apply security updates and patches to your mobile browser when they become available by your wireless provider. These are designed to provide you with protection from known possible security problems.
  • Research your mobile device to determine vulnerability as some devices are more vulnerable than others.
  • To prevent viruses or other unwanted problems, do not open attachments from unknown or untrustworthy sources.
  • Do not install pirated software or software from unknown sources.
  • Limit unauthorized access to your mobile phone. Do not leave your mobile phone unattended during an open mobile banking session.
  • Never save your User ID and Password in the mobile phone, in memos, or anywhere on your device.
  • Always remember to log off properly using the “Sign Off” button when you have completed your mobile banking activities.
  • Be aware of the potential for fraudulent mobile banking apps.

Report suspicious activity you notice relating to your computer or use of your electronic devices to the appropriate parties and do so as quickly as possible. If you notice suspicious activity relating to accounts at Fidelity Bank that you access online, promptly report that activity to us at 1-800-388-4380.

Privacy Policy

View our online Privacy Policy Disclosure and also our online Security Statement

At Fidelity Bank, we believe that the confidentiality and protection of our customers’ information is one of our fundamental responsibilities.

Fidelity Bank will never request confidential information via e-mail solicitation. Please report any such requests by calling 1-800-388-4380 or use our Secure Contact Form

At Fidelity Bank, our goal has always and will always be to serve our customers throughout their lives by offering financially secure products and services that work for them .You can be confident that your financial privacy is a top priority of this financial institution. Please remember that Fidelity Bank…your bank…DOES NOT SELL information about you to anyone. If, after reading this disclosure, you have any questions, please contact one of our customer service representatives at 1-800-388-4380.

Protecting Your Privacy

Definitions

Before discussing what information we may share with other entities, we will define some terms:

  • We, our, and us means Fidelity Bank.
  • Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
  • An affiliate is a company related by common ownership or control. They can be financial and nonfinancial companies. At this time, there are no companies that fit into this category.
  • A nonaffiliated third party is a company that is not related by common ownership or control. Fidelity Bank does not share your nonpublic financial information with non-affiliates. At this time, there are no companies that fit into this category.
  • Joint Marketing is a formal agreement between nonaffiliated financial companies that together market financial products or services to you. Occasionally Fidelity Bank partners with companies in joint marketing initiatives. See below for more information on this topic.

Other Important Information

While we may disclose nonpublic information we collect, this information is limited to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our customers’ privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide them to other third parties. We may also disclose information we collect about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our bank, follow your instructions as you authorize, or protect the security of our financial records.

Why We Disclose Information

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

Information We Collect About You

The types of personal information we collect and share depend on the product or service you have with us. This information can include your:

  • Social Security number and information that we obtain from you on applications
  • Name and information we receive from consumer reporting agencies
  • Address and information about your transactions with us, or others. When you are no longer our customer, we continue to share your information as described in this notice.

How We Protect Your Information

All financial institutions need to share nonpublic personal information to run their everyday business. In our Privacy Policy, we list the reasons financial companies can share their nonpublic personal information; the reasons Fidelity Bank chooses to share; and whether you can limit this sharing. Also, see our Security Statement http://www.the-fidelity.com/pdfs/fidelity_scrty.pdf for more information on how we protect your information online.

Fair and Accurate Credit Transactions Act (FACT Act)

On December 4, 2003, the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) was signed into law. This law ensures that all citizens are treated fairly when they apply for a mortgage or other form of credit.

This legislation provides consumers, companies, consumer reporting agencies and regulators with important new tools that:

  • Expand access to credit and other financial services for all Americans,
  • Enhance the accuracy of consumers’ financial information, and
  • Help fight identity theft.

These reforms make permanent the uniform national standards, and institute new, strong consumer protection.

At Fidelity Bank, our first priority is to protect you and your account relationship with us. Please be assured that your account information will be given the highest level of confidentiality. With that stated, Fidelity Bank may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

How You Can Protect Your Privacy

Fidelity Bank is committed to protecting the privacy of its customers. You can help by following these simple guidelines:

  • Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card, as this can provide free access to your accounts if your card is lost or stolen.
  • Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you, claiming the call is on behalf of the bank, and asks you for your account number, you should be wary. Official bank staff will have access to your information and will not need to ask for it.
  • Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity on your account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

Protect Your Identity

  • Tear up unused credit offers and other documents containing personal information before discarding them.
  • Guard your social security number.
  • Don’t release information to people you do not know, especially over the phone or Internet.
  • Review bank statements for accuracy.
  • If you are denied credit for no apparent reason, obtain a copy of your credit report.
  • You are entitled to one free annual report from each credit bureau. Obtain a free credit report from each of the three credit bureaus at www.annualcreditreport.com. Carefully review your report for indications of fraud.

If You Become a Victim

Contact the bank and all others with whom you have a financial relationship. File a police report if you have had a loss.

Report the fraud to the major credit bureaus:
Equifax 1-800-525-6285
Experian 1-888-397-3742
Trans Union 1-800-680-7289

For additional help, call the Federal Trade Commission at 1-877-ID-THEFT or visit their website www.consumer.gov/idtheft.

If you have any questions, please contact Fidelity Bank at 1-800-388-4380.

To report a lost or stolen VISA Check or ATM Card:

Call To Report:

  • Call Visa Global Customer Care Services at 1-800-847-2911 (within the U.S. or Canada) if your card has been lost or stolen.
  • For the hearing impaired, please call 1-800-TDD-1213 in the US or Canada or 1-305-278-4285 or 1-512-865-2002 in all other countries. Toll free number is supported 24 hours a day, seven days a week.
  • Visit VISA® Reporting Lost or Stolen Card for more information

Visa® Signature Zero Liability Policy

While both Fidelity Bank and Visa® provide comprehensive fraud protection, Visa® Signature Zero Liability Policy goes even a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens by confirming your identity with an additional password.

Your Visa® card can be activated with Visa® Signature Zero Liability Policy by simply going to the Visa® Website or while shopping online at participating merchants. During the checkout process, you’ll be given a message asking you if you would like to activate Visa® Signature Zero Liability Policy for your card. If you choose to activate while shopping, you should provide information to confirm your identity and then create a password. On future purchases at participating online stores, your password will be required during checkout, ensuring added safety.

Specifically designed to make online shopping experiences safer and more secure, Visa® Signature Zero Liability Policy gives you extra control over your Internet transactions.

Useful Security Resources

Here are a few third-party links to help you with tips on your security and privacy. While we periodically review links to ensure they are correct Fidelity Bank is not responsible for the information practices employed by sites linked to or from our website. Third-party websites may have different privacy policies and/or security standards governing their sites. Therefore, we recommend that you review the privacy policy of any website you visit.

If you choose to proceed, a separate browser window will be launched so that you can easily come back to the Fidelity Bank website when you are finished.

Consumer Protection Resources:

Learn how to protect your privacy and to keep your identity secure with these helpful links.

Scams, Fraud and Online Shopping Security Resources

How easy is it to get scammed? Phishing and fraud can be prevented if you know the tricks and how to protect yourself.

Additional Online Security Information:

Visit the links below for additional information on how to protect yourself and / or your business from other types of financial threats.

Financial Education Resources:

Visit the links below for useful financial education or to check your credit report.

Resource Center

Fidelity Bank offers a variety of convenient resources and tools. Educational articles, Frequently Asked Questions, Instructional Videos and more are at your fingertips.