New Debit Cards to be sent to Customers Affected by Target Data Breach:
Over the past weekend you may have received a phone call and/or a letter in the mail from Blackhawk Bank & Trust alerting you that we are reissuing you anew Debit Card. Blackhawk Bank & Trust is committed to maintaining the security of our customers' accounts and financial information. To help protect our customers, Blackhawk will automatically cancel the cards that may have been compromised and issue new cards and mail them to affected customers.
To learn more about the breach, click here to visit Target's website.
Frequently Asked Questions
If I used my Blackhawk Bank & Trust debit card while shopping at Target between Nov. 27 and Dec. 15, 2013, do I need to call the bank to get a new card?
No. Blackhawk Bank & Trust is working with Mastercard to determine which customers' cards may have been compromised. The bank will automatically cancel the cards that may have been compromised then mail new cards to affected customers. There is no charge to customers for receiving the new cards; this service is provided by Blackhawk Bank & Trust as part of our commitment to maintaining the security of customers' accounts.
What should I do as a result of this data breach?
If you shopped at Target during the dates in question, watch your mail for a new Blackhawk Bank & Trust debit card. Be sure to activate your new card immediately, following the instructions included with the card. The old debit cards that may have been compromised will automatically be canceled soon after the new ones are issued, please stop using your your old card and shred it as soon as you receive notice that a new card has been ordered for you.
What can I do to protect against fraudulent transactions?
Protecting against potential fraud is a partnership between banks and their customers. Blackhawk Bank & Trust uses technologies to scan for potentially fraudulent transactions. We encourage you to carefully review any transactions on your accounts – either through online banking or by reading account statements – and immediately report any transactions that you did not make by calling 309-787-7564. With Mastercard's zero-liability protection, you are not liable for unauthorized transactions.
What if I used my Blackhawk Bank & Trust credit card at Target?
We are monitoring accounts and will notify credit card holders who may have been impacted. We encourage customers to continuously monitor their accounts for unauthorized activity and immediately report any activity they do not recognize by calling the number on the back of their cards to speak to a service representative.
I have a Target REDcard that is linked to my bank account. What should I do?
Questions about REDcards should be directed to Target, which issued the card.
We are also aware of reports of phishing scams trying to take advantage of this data breach. If you receive an email or social media message claiming to come from Target or a bank, please proceed with extreme caution. It may be a fraudulent message attempting to trick people into releasing personal information. Do not click on links in unexpected emails. Instead, contact the organization using a phone number or separate secure email that you know is safe.
Fraudulent Cashier's Check Notice
Like many businesses, Blackhawk Bank & Trust may be the target of consumer security attacks or become the victim of the unauthorized use of our name and logo as part of a consumer fraud or identity theft crime.
It has come to our institution's attention that a cashier's check with Blackhawk Bank & Trust's logo has been distributed to persons in connection with a mystery shopper/consumer protection draw letter, instructing recipients to either "wire", "send" or "ship" money as soon as possible. BLACKHAWK BANK & TRUST HAS NO CONNECTION WITH THESE ALLEGED DRAWS, AS THEY ARE FRAUDULENT.
If you have received any material purporting to be in connection with Blackhawk Bank & Trust and have questions about its authenticity, please contact any of our locations. To view a list of our locations and phone numbers, click here. If the suspected fraud was received via mail, you are encouraged to file a claim of Mail Fraud with the United States Postal Inspection Service at 1-877-876-2455 or visit their website at https://postalinspectors.uspis.gov/ . You are also encouraged to contact your local or state law enforcement office on issues involving fraud.
Consumer Privacy and Protection
Identity theft, fraud, and online attacks unfortunately have become a risk of everyday business. We at Blackhawk Bank & Trust are doing everything we can to protect you from becoming a victim. In addition to using technology, policies, and procedures, we feel that knowledge is power. Our goal is to enable you the customer to protect yourself by learning how your identity can be attacked, how to identify such attacks, and how to protect yourself against those attacks.
Use the links on the right to learn more about a variety of threats, how to protect yourself from them, and what to do if you feel you have become a victim. Check out the tips below to begin protecting yourself today!
Tips to Prevent Identity Theft and Fraud
- Never respond to any e-mail that asks for debit card and personal information, even if it looks legitimate. Do not click on links within an
e-mail; instead, copy and paste the address into your browser.
Note: By opening or viewing a preview of the e-mail or by clicking on the link within the email, you may cause your PC to discreetly download a virus or spyware.
- Install spam filter and anti-virus software on your PC.
- Ensure your PC is protected with a personal firewall.
- Scan your PC regularly to detect and remove spyware.
- Update your operating system and web browser software regularly.
- Look to ensure "https://" appears in the web site address and that the security padlock icon appears on websites that request personal information.
- Educate yourself about Internet fraud scams.
- Regularly request and validate the accuracy of your credit report.
PHISHING and SPOOFING
PHISHING uses spam or pop-up messages to deceive consumers into disclosing their credit card numbers, social security number, passwords and other personal information. Phishers send an email or pop-up message that claims to be from a business or organization that you deal with, such as your internet service provider, online payment service, bank or even the government. The message usually says you need to "update" or "validate" your personal information.
SPOOFING creates a false of shadow copy of a real website or email that misleads the recipient. Even though the email or website looks real, it is a fake. They then ask you to enter personal information like account numbers, passwords, and credit card numbers.
The PHISHERS and SPOOFERS then use this information to steal your identity and sell it to criminals who will use it to ruin your credit and drain your account.
SPYWARE is software that collects personal information from your computer without your knowledge. It looks at sites you visit and can send this information to a third party without your knowledge. The software may also perform unwanted functions, including the delivery of pop-up ads or harvesting private information.
It can serve up inappropriate ads to you and your children, and can seriously
slow your computer down, as it attempts to run spyware software processes instead of the programs you are trying to use.
Clues that spyware may be on your computer:
ADVANCE FEE/LOAN FRAUD SCHEMES
- a barrage of pop-up ads
- a hijacked browser - that is, a browser that takes you to sites other than those you type into the address box
- a sudden or repeated change to your computer's internet home page
- new and unexpected toolbars
- new and unexpected icons
- keyboard keys that no longer work
- random error messages
- sluggish or downright slow performance when opening programs or saving files
The advance fee swindler claims to be able to obtain a loan for you from a bank or credit union. They "guarantee" the loan will be made in exchange for an up-front fee, usually a percent of the loan amount. The swindler however has no ability to secure a loan for you. They end up stealing the fee you paid in advance.
Ask yourself why the promoter can obtain a loan for you from a legitimate lender when you have been turned down for loan by lenders in your area.
Be careful when using websites offering debt consolidation. You usually have to pay an up-front fee and provide your personal information, which increases your risk of identity theft.
Nigerian Internet Scams
With the NIGERIAN SCAM, you receive an unsolicited e-mail from a lawyer or other official in another country informing you that you have won a lottery, or an unknown relative has died and has left you a large inheritance. Or they may need your assistance in moving a large sum of money out of their country into another country. They ask you to deposit the funds into your account, and then transfer the funds out at a later time. For your trouble, you get to keep a percentage of amount transferred, usually around 10 to 20 percent.
Before the money can be transferred, they will ask you to pay taxes, legal fees or bribes to government officials, often in great detail with the promise these expenses will be reimbursed as soon as the funds are out of their country.
The email you receive will often be typed in capital letters. You may be asked to travel overseas to meet with them and complete the necessary paperwork. You may receive a check for a portion of the proceeds to show good faith. The check is counterfeit.
In reality, there is no money - except for the money you put up in advance. You will be instructed to pay thousands of dollars in "taxes," "attorney costs,", or other advance fees. You will suffer serious financial loss. If you travel overseas, you may be physically threatened and not allowed to leave until these expenses have been paid.
The best thing to do is delete the e-mail message or throw away any letters you receive.
If you think it is legitimate, ask your banker just to be safe.
You sell a large item on E-Bay, such as a car. The buyer sends you a check for more than the selling price and freight, usually several thousand dollars more. When you contact them, they ask you to mail or wire transfer them the difference.
The check they sent you is counterfeit or drawn on a closed account.
Be wary of shipping items you sell overseas.
If you pay by credit card, understand that you have now provided your credit card number to a complete stranger.
The number of counterfeit checks is increasing. We are also seeing counterfeit Postal Money Orders. If you receive a check or money order, go ahead and deposit it, but do not spend the money. Wait 2-3 weeks in case the check is returned. If it is returned, your bank or credit union will remove the money from your account. You are responsible for repaying your bank or credit union.
|INTERNET BANKING ENHANCED SECURITY| Learn what steps Blackhawk is taking to protect you online.
WHAT TO DO IF YOU ARE A VICTIM? | Learn what actions you can take if you are a victim of Identity Theft.
|INTERNET RELATED THREATS | Learn more about common Internet based threats and how to protect yourself from them.
|PHONE AND MAIL SCAMS| While Internet attacks are common, thieves still use traditional means to attack.
|KNOW YOUR BANK | Protect yourself from fraud by learning what Blackhawk Bank & Trust will and will not do.
DEFINITIONS | Not sure what phishing and pharming are? Check our definitions page.
|LINKS| Information is power. Check out additional links to information to protect yourself.