Customers of various financial institutions are receiving an automated message stating their debit card has been deactivated. These messages usually leave instructions for the card holder to provide confidential information, unknowingly, to the scammer. This scam is broad in geography.  Please DO NOT provide any information to the source listed if you receive one of these messages. Contact our checking department at 217-356-4111 or immediately to provide us with the details of the message. 
Click here for more information on how to protect yourself. 
What is skimming? 
Skimming is any attempt to acquire data from debit card transactions, for example, at pay-at-the-pump gas terminals. It sometimes involves placing a “skimmer” over the card reader to capture identifying information from the magnetic strip on your card and a camera near the skimmer to film you typing your Personal Identification Number (PIN).  
How can the skimmed information be used? 
Criminals can use the skimmed information to create duplicate cards and use them at ATMs, online or at retailers. 
Why is skimming a particular problem at convenience stores/gas stations? 
A growing trend involves criminals placing skimmers inside the pay-at-the-pump terminals.  They do this by using stolen “universal access keys,” which are used to open pay-at-the-pump enclosures.  Once the enclosure is opened and skimmer is installed inside, away from view, data can be collected and transmitted via wireless technology to the criminals. ATMs, by contrast, are required to have unique keys and codes for service and maintenance checks.  
What steps can I take when I use a pay-at-the-pump terminal? 
If you suspect a skimming device or a camera is in use at the terminal, report your suspicions to the store owner or manager. 
When the terminal payment screen requests you to enter your PIN, choose CANCEL or NO and select the CREDIT option instead.  This method is safer than using PIN-based transaction at the terminal.  
What should I do if I suspect suspicious activity on my account? 
Contact First Federal Savings Bank immediately at 217-356-4111 to report any unauthorized activity on your account. 
Please do not provide your debit card PIN over the phone. 
If you receive a phone call from an entity claiming to be or to represent MasterCard® on behalf of First Federal Savings Bank, please do not provide your debit card PIN when prompted.  
This message will ask to verify your card information.  It goes on to say the card number and will ask you to confirm the information by entering the card's PIN.  Do not provide your PIN. 
A legitimate MasterCard® call to you on behalf of First Federal will help MasterCard® to identify and prevent fraudulent activity on your debit card. The caller will ask you if you authorized a particular transaction.  However, the legitimate caller from MasterCard® would never ask for you to enter a PIN. 
If you have supplied your PIN to a caller described in the first paragraph, please contact us immediately so we can cancel your card and issue a new card to you. 
ATM Skimming Alert 
Here are some consumer tips to help reduce ATM skimming incidents: 
1. Be wary of anything about the ATM machine that looks out of the ordinary, such as odd-looking equipment or wires attached to the device. 
2. Look for a "no tampering" sign. Crooks often place these to stop anyone curious about a new piece of equipment. 
3. Steer clear of a jammed ATM machine that forces customers to use another ATM that has a skimmer attached. Often, the criminal will disable other ATMs in the area to draw users to the one that has the skimming device on it. 
4. Customers should check their bank accounts regularly to make sure there are no unusual or unauthorized transactions. Federal law limits loss from ATM fraud, and many banks offer additional protection. Consumers should check with their financial institution for details.  
5. If you see anything unusual or suspicious around an ATM, or if you find unauthorized ATM transactions on your bank account, immediately notify local law enforcement, as well as your financial institution and/or the establishment where the ATM is located.  
6. Always protect your PIN: Don't give the number to anyone, and cover the keypad while you are entering your PIN. 
Ways to protect your e-mail from viruses 
E-mail attachments may contain viruses. 
Almost every day there is a new threat to the security of your online computing. That is why we want to remind you how important it really is that every computer you use have a working an updated anti-virus client running at all times. This anti-virus software will help secure your computer from viruses that are spread via the Internet and e-mail every day.  
Many of these viruses are extremely crafty and attempt to use social engineering techniques to get the user to "open" and run them. For instance, some viruses spread themselves automatically to email addresses that you have saved in your contact list and will actually claim to be virus free by claiming to have been scanned by a server. 
Sometimes even up-to-date virus software will miss catching a really new virus or a new strain of an existing virus. If you are unsure, then err on the side of caution and do not open the attachment, or call the person who sent you the file and verify they did indeed send it to you prior to opening. 
First Federal Savings Bank of Champaign-Urbana will never send you an attachment claiming to reset your password. 
Dear user , 
You have successfully updated the password of your account. 
If you did not authorize this change or if you need assistance with your account, please contact customer service at: 
Thank you for using ! 
The Support Team 
+++ Attachment: No Virus (Clean) 
+++ Antivirus -  
A new virus has started circulating in e-mail messages with the sender's address listed as and a subject line similar to the following, "Your password has been successfully updated." The e-mail will most likely also contain a file attachment.  
This e-mail did not originate at First Federal Savings Bank of Champaign-Urbana.  
If you have any questions, please contact First Federal Savings Bank at or by phone at 217-356-2265. 

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