First Federal is supervised by the Office of the Comptroller of the Currency: Western District, 1225 17th Street, Suite 300, Denver, CO 80202, 720-475-7600.
Report a Problem
Report Suspicious Transactions
If you believe you have a fraudulent transaction on your account, or suspect that you have been a victim of fraud or your account has been compromised, immediately call us at (415) 456-6232. After hours, for debit card fraud, please call (800) 472-3272.
Report Suspicious Emails
First Federal does not send unsolicited email messages or place pop-up advertisements that request personal borrower or depositor information such as your account number(s) or account password(s), or your social security number.
If you ever get an unsolicited email claiming to be from First Federal asking for your personally identifiable information or account information, please do not respond. For your protection, call us at (415) 456-4937 and forward the email to firstname.lastname@example.org. You can also report the scam to the FBI’s Internet Fraud Complaint Center at www.ic3.gov. We recommend you follow our tips on how to handle suspicious emails.
Report Lost or Stolen Checks
During business hours, contact us immediately at (415) 456-6232.
Report a Lost or Stolen Debit Card
During business hours, contact us immediately at (415) 456-6232. On evenings and weekends, please call (800) 472-3272 for assistance.
Report Identity Theft
If you think you are a victim of identity theft, use these tips.
- Contact us immediately at (415) 456-6232 or visit your local branch.
- Place a fraud alert on your credit and request a credit report from the three major credit bureaus. Placing a fraud alert is free and stays on your credit report for 90 days. The credit bureau you contact will automatically notify the other two bureaus.
- Equifax: (800) 525-6285
- Experian: (888) 397-3742
- TransUnion: (800) 680-7289
- Contact the Federal Trade Commission (FTC). Complete the FTC’s online complaint form or call the FTC at (877) 438-4338. Make sure to print and save the Identity Theft Affidavit provided to you.
- Go to your local police department and file a report. Make sure to bring a copy of your FTC Identity Theft Affidavit, proof of theft, government-issued photo ID, and proof of address. Keep a copy of the police report and provide it to your creditors.
Mobile Banking Security Tips
Here are some basic tips you can follow to secure your mobile devices:
- Use a password or other security feature to lock your phone. Create a strong password by choosing combinations of upper- and lower-case letters, numbers, and symbols. Avoid using dictionary words, birthdays, addresses, or combinations that would be easy for a hacker to guess. Don’t use the same password for multiple accounts. A strong password greatly reduces the likelihood that a thief can access your account.
- Log out completely after finishing your mobile banking. If someone gains wrongful access to your phone, this prevents your information from being readily accessible by requiring your password.
- Install mobile security software or apps. Using anti-malware software from reputable vendors helps protect against hackers and exploits.
- Avoid apps that may contain malware. Buy or download from well-known app stores such as those established by your phone manufacturer or cellular service provider.
- Keep your device’s operating system and apps updated. Many mobile devices have the option to receive automatic updates, ensuring that you have the latest fixes for security weaknesses as they are discovered.
- Be cautious about sharing your information. First Federal will never ask for your password. Be wary about providing account numbers or other personal information to third parties, and ensure you are dealing with legitimate entities.
- Regularly check your account for signs of fraud. Mobile banking makes it very easy to check your account balance and transaction history. Periodically check your accounts for any errors or fraudulent transactions, since the sooner you can detect a problem, the easier it is to fix.
Fraud Protection Tips
Here are a few best practices to help protect your passwords.
- Create a strong password by choosing combinations of upper- and lower-case letters, numbers, and symbols. Avoid using dictionary words, birthdays, addresses, or combinations that would be easy for a hacker to guess.
- Don’t use the same password for multiple accounts.
- Passwords should be updated every few months.
If you suspect your First Federal accounts have been compromised, contact us immediately at 415-456-4937 so that we can assist you in safeguarding your information.
Review Your Credit Report
An important way to combat fraudulent activity on your accounts is to get a credit report. New laws allow you to receive a free credit report each year. If a fraudster has opened a credit account in your name, they will show up on your credit report. While First Federal cannot request the report for you, you can get your annual report by visiting annualcreditreport.com. Also consider using a credit monitoring service to help detect suspicious activity.
Debit Card & PIN Security
Here are some tips to protect your debit card and PIN:
- Cover the keypad when you enter your PIN.
- Don’t write your PIN down anywhere, especially on your card.
- Don’t choose an obvious PIN like your birthday or consecutive numbers such as ‘1234’.
- Protect your cards like you would protect your cash.
- Be sure to look at the ATM. If it looks like someone has tampered with the equipment, don’t use it. (This could mean that a criminal has attached a “skimmer” to the ATM to steal your financial information.)
- Change your PIN immediately if you suspect that someone knows your number.
- Trust your instincts. If you suspect foul play, use a different machine or payment method.
Handling Suspicious Email
Phishing involves the use of fraudulent emails and copycat websites to trick you into revealing valuable personal information — such as account numbers for banking, securities, mortgage, or credit accounts, your social security numbers, and the login IDs and passwords you use when accessing online financial services providers. The fraudsters who collect this information then use it to steal your money or your identity or both. Here are some tips to prevent Phishing attacks:
Pick Up the Phone to Verify— Don’t respond to any emails that request personal or financial information, especially ones that use pressure tactics or prey on fear. If you have reason to believe that a financial institution actually does need personal information from you, pick up the phone and call the company yourself — using the number in your records, not the one the email provides!
Do Your Own Typing— Rather than merely clicking on the link provided in the email, type the URL into your web browser yourself (or use a bookmark you previously created). Even though a URL in an email may look like the real deal, fraudsters can mask the true destination.
Beef Up Your Security— Personal firewalls and security software packages (with anti-virus, anti-spam, and spyware detection features) are a must-have for those who engage in online financial transactions. Make sure your computer has the latest security patches, and make sure that you conduct your financial transactions only on a secure web page using encryption. You can tell if a page is secure in a couple of ways. Look for a closed padlock in the status bar, and see that the URL starts with “https” instead of just “http.”
Security Tip:Some phishers make spoofed websites which appear to have padlocks. To double-check, click on the padlock icon on the status bar to see the security certificate for the site. Following the “Issued to” in the pop-up window you should see the name matching the site you think you’re on. If the name differs, you are probably on a spoofed site.
Review Your Statements— Don’t toss aside your monthly account statements. Review them thoroughly as soon as they arrive to make sure that all transactions shown are ones that you actually made, and check to see whether all of the transactions that you thought you made appear as well. Be sure that the company has current contact information for you, including your mailing address and email address.
Preventing Financial Elder Abuse
Block those scammers
What to do: Hang up! Hit delete! Slam the door! While this may be considered rude, it’s a very effective method to keeping you from being scammed.
- Register with National Do Not Call Registry at www.DoNotCall.gov.
- If you answer a call that’s from someone you don’t know, don't provide any information, just hang up.
- Throw out mail you’re not expecting or from sources you don’t recognize. Be sure to shred anything that has identifying information that a thief could use to apply for a credit card or loan, or a line-of-credit in your name.
- You should never open emails from senders you don’t recognize. If you get an email that appears to be from someone you know, but seems suspicious, it’s smart to delete it before opening any attachments or links it contains. Sometimes scammers highjack email addresses and send phony emails to everyone in the owner’s address book. If you're questioning the legitimacy of an email, call the sender using the number in your contacts to verify they sent it.
- Be very guarded about the information you provide on social media sites. Scammers looking for victims can—and do—use personal information you provide to victimize you.
Build up Your Scam Defenses
- Be suspicious of any situation that requires you to send money up front
- Assume that insistence on secrecy is a ploy to deceive
- Confirm all stories, offers or charities independently
- Choose the privacy settings on social media accounts
If You’re a Scam Victim
It’s important to speak up. Being scammed isn’t something to be ashamed of, any more than being the victim of any other crime.
- Tell someone you trust, such as a friend or family member. Document the issue, this may be necessary to file a police report.
- Report the scam to your bank. It will help the bank’s experts be alert to potential future problems.
- Contact the police and federal agencies, including the Federal Trade Commission (FTC). Your report can help prevent further scams and may lead to the scammer’s apprehension and punishment.