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COMPLAINT
DISCLOSURE |
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Contact
information for Texas Department
of Banking. |
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CREDIT
REPORTING |
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Find
a list of the three (3) Credit
Reporting Agencies, as well as
other resources including Free
Annual Credit Reports, Identity
Theft and Government websites. |
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EQUAL
HOUSING LENDER |
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First
United Bank does business in
accordance with Federal Fair
Lending Laws. Review more information
regarding the Equal Housing Lending Act. |
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FDIC INSURANCE CORPORATION |
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The Federal Deposit Insurance Corporation has permanently set the insurance amount at $250,000.00 per depositor, per insured institution, for each account ownership category
Transaction Account Guarantee Program
First United Bank is participating in the FDIC's Transaction Account Guarantee Program. Under the program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. The details of the FDIC guarantee are provided in the FDIC's regulations, 12 CFR Part 370, and at the FDIC's Website. |
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ONLINE
SAFETY |
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Here
are some ways in which you can
help protect yourself when
shopping online and from fraudulent
emails (phishing attempts)
claiming to be from a bank,
credit card company or other
popular internet website that
requests your personal information. |
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PRIVACY
POLICY |
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Protecting your privacy, along
with your financial assets, is
at the core of our business. You
have chosen to do business with
us, and we recognize our obligation
to keep the information you provide
to us secure and confidential.
Our commitment to protect your
financial information will continue
under the principles and online
guidelines described. |
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SECURITY
STATEMENT |
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This
Online Banking System brings
together a combination of industry-approved
security technologies to protect
data for the bank and for you,
our customer. Review our security
measures. |
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"VISHING" - BEWARE! |
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Beware of a new scheme criminals have come up with called “vishing”. Now that consumers have become more aware of phishing, criminals have developed another scheme — vishing. According to the FBI, these scams usually work one of two ways. In the first scenario, a consumer gets the typical e-mail, like with the traditional phishing scam. But instead of being directed to an Internet site, the consumer is given a phone number to call. Those who call the “customer service” number are led through a series of voice-prompted menus that ask for account numbers, passwords, and other critical information. In the second scenario, the consumer will receive a phone call rather than an e-mail. The call could either be a “live” person or a recorded message telling you to take action on your account because of suspected fraudulent activity. The phone caller or recording usually already has some personal information on you, including your account or credit card number, so you think you are actually talking with someone from your financial institution or credit card company. |
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WAYS
TO AVOID IDENTITY THEFT |
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Here
are some steps you can take to
protect your identity and finances,
and what to do if you find you
are the victim of Identity Theft. |
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WHAT IS IDENTITY
THEFT |
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Identity Theft takes place when
someone steals your personal information
(such as your name, social security
or bank account number) to commit
fraud. These thieves use the information
to repeatedly commit fraud in an
attempt to duplicate your identity.
Identity theft can have a negative
impact on your credit and create
a financial hassle for you. |
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US PATRIOT ACT |
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USA PATRIOT ACT – Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, physical address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. |
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LINKS
TO FDIC INFORMATION GUIDES: |
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"Start Smart : Money Management for Teens" |
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Features simple,
real-world guidance for teens on
how to: |
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- Save more money
- Decide where to keep their
money
- Spend money wisely
- Borrow money responsibly
- Protect against identity theft
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"Taking
Control of Your Finances: A Special
Guide for Young Adults" |
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"Fiscal
Fitness for Older Americans:
Stretching Your Savings and Shaping
Up Your Financial Strategies" * |
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FDIC
Consumer News |
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FDIC
Consumer News provides ideas
and information on topics such
as how to get the best possible
interest rates, avoid paying
unnecessary fees, find "emergency"
cash at affordable prices, and
steer clear of credit-related rip
offs and scams. |
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* Requires Adobe Acrobat |
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Download your free version online |
