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Helpful tips to protect your sensitive financial information
How to Spot and Avoid Common Scams:
Lone Star Bank is dedicated to ensuring that your accounts remain secure and your personal information remains private. To that end, here are some tips:

Personal Computer Usage:
Your PC is your first line of defense on the Internet, and with just a couple of tools and some diligence you can greatly improve your security.
Make sure your computer has both an anti-spyware protection program that detects and removes spyware and an anti-virus program. Keep both programs updated.

Be very protective of your personal and account information. There are criminals who try to trick you by creating sites that look similar to real sites. The best way to know who you are dealing with is to type the address in your browser address bar.

If you receive a suspicious email using Lone Star Bank's name and asking for personal or Lone Star Bank account information, you can forward the email to
Question suspicious emails. We will never send you an email asking for your online ID or passcode.

Eliminate Paper:
Receive and store your bank statements electronically.

Use Direct Deposit to have paychecks, dividends, and other recurring credits deposited directly to your account.

Use Online Banking to ensure secure access to your accounts.

Monitor your account activity frequently by logging into Online Banking and using Email Alerts to detect fraud earlier.

Passcode & PIN:
Choose passcodes and personal identification numbers (PINs) that are difficult for others to guess. If possible, use both letters and numbers, and if the passcodes or PINs are case-sensitive, use a combination of lowercase and capital letters.

Use a different passcode for each of your online accounts. It is recommended to change your passcode on your online account every 90 days.

Credit Card:
Never carry your credit card PIN (Personal Identification Number) on your person. Memorize it, or keep the number in a safe place at home.

Make copies of all the credit card information that you carry daily and keep it in a secure place in case they are stolen you have the correct information to report.

Checking & Savings:
Have paychecks, dividends, and other recurring credits deposited directly to your account with no more worrying about lost or stolen checks.

Protect yourself against fraud by using checks printed on paper with special security features.

Shield the ATM keypad with your hand or body while entering your PIN.

If you notice anything suspicious or that seems unsafe, such as the lighting around the ATM not working, use another ATM or return later.

More Tip Information:
Carry only necessary identification. Do not carry your Social Security card with you.

Make copies of all the information that you carry daily, such as credit cards, driver's license, and insurance cards, and keep copies in a secure place.

Be cautious when providing your Social Security number. Determine if the number is required for the application or transaction before providing.

Be cautious of telephone and door-to-door solicitations.

Never provide personal information unless you have initiated the contact and have confirmed the business or person's identity.

Confirm the validity of all requests for sensitive personal, financial, or account information, particularly if they are made with an urgent or threatening tone.

Don't leave personal information in your car. It's even more valuable than your stereo. 

Shred unnecessary financial documents immediately. Discard unused instant credit offers, ensuring that they are properly shredded.

Eliminate as much paper as possible, and be cautious with the paper you receive. 

Take steps to reduce the amount of mail you receive that displays personal information.

Collect your mail properly. Use U.S. Postal Service mailboxes for outgoing mail when possible. Monitor all of your banking and credit card accounts regularly. 

Check your credit report annually. 

For more information, click below to be directed to the OnGuardOnline website.

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Question or comments? We'd love to hear from you.