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Products & Services - Security & Fraud

Security & Fraud

We’re determined to help you protect the security of your financial resources and data. Arm yourself with knowledge and the confidence that Park Bank uses all the latest security standards to ensure your account information remains safe.

Get in Touch to Learn More

Customer service
414-466-8000
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Online Banking Best Practices

User ID and Password Guidelines 
  • Create a “strong” password with at least eight characters that includes a combination of mixed case letters, numbers and special characters. 
  • Change your password frequently. 
  • Never share user ID and password information with third-party providers. 
  • Avoid using an automatic login feature that saves user IDs and passwords.
General Guidelines 
  • Do not use public or other unsecured computers for logging into Park Bank Online Banking. 
  • Check the last login date/time every time you log in. 
  • If the system does not recognize your computer or location, you will be asked to provide additional information to log into Online Banking. This may include verifying a one-time security code via phone or SMS or answering more sophisticated out-of-wallet questions. 
  • Review account balances and detail transactions regularly (preferably daily) to confirm payment and other transaction data and immediately report any suspicious transactions to us at 414-466-8000. 
  • View transfer history available by viewing account activity information.
  • Whenever possible, use Bill Payment instead of writing checks to limit account number exposure and to obtain better electronic record keeping.
  • Take advantage of and regularly view system alerts.
  • Do not use account numbers, your Social Security number, or other account or personal information when creating account nicknames or other titles.
  • Use the historical reporting features on a regular basis to confirm payment and other transaction data. 
  • Never leave a computer unattended while using Online Banking. 
  • Never conduct banking transactions while multiple browsers are open on your computer.

Debit Card Monitoring

For enhanced safety and security of your account, ATM and debit card transactions are monitored for potentially fraudulent activity, which may include:

  • An unusual geographical change, such as when a United States-issued card is unexpectedly used overseas
  • A string of costly foreign or domestic purchases
  • Unusual ecommerce transactions
  • Any pattern associated with various foreign or domestic fraud trends

If we suspect fraudulent ATM or debit use, you will receive an automated phone call to validate the legitimacy of the transaction. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions that may be placed on the use of your card. 

Here is what you can expect when we are attempting to validate a suspicious transaction:

  • An automated call will ask you to verify recent transaction activity on your card
  • You will be able to respond via your touchtone keypad
  • You will be provided a toll-free number to call should you have additional questions

As a benefit of choosing a Park Bank debit card, our goal is to minimize the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address. We highly suggest that cardholders opt to use their cell phone number as their main phone contact. This is not only helpful in normal, day-to-day situations, but can prove especially important when you are traveling.

Debit Card Safety Tips

Please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. Here are some additional tips on protecting yourself from debit card fraud:

Never provide your PIN to anyone. When visiting merchants and ATMs, always conceal your PIN, and watch for:

  • Cell phone cameras, mirrors or other tools used to view cards and PINs
  • People watching your transactions
  • Any unusual activity at ATMs or when paying at the pump

Do not respond to unsolicited e-mails that:

  • Ask you to verify your card number, PIN, account number or other personal information; these types of emails are not sent by legitimate businesses
  • Link to websites; such sites can look legitimate but may collect data or place malware on your computer

Identity Theft

Identity theft has increased rapidly over the years as technology advancement has allowed fraud to become a faceless crime.

According to the U.S. Department of Justice, "identity theft" and "identity fraud" are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person's personal data in some way that involves fraud or deception, typically for economic gain. 

If you feel you are a victim of identity theft or another form of fraud, please contact Park Bank at 414-466-8000 to report your concern. You should also contact one of the credit bureaus:

  • Equifax (800) 685-1111
  • Experian (888) 397-3742
  • TransUnion (800) 916-8800
You may also want to contact the Social Security Administration Fraud Line: (800) 269-0271

Here are some websites that contain beneficial information to answer questions on fraud prevention and what to do if you should become a victim of identity theft.

http://www.consumer.ftc.gov/topics/identity-theft
http://www.justice.gov/criminal/fraud/websites/idtheft.html


Security Awareness Websites

Below are a few trusted government websites to visit for more information and help with security issues.

Internet Crime Complaint Center https://www.ic3.gov/default.aspx

The IC3 mission is to serve as a vehicle to receive, develop, and refer criminal complaints regarding the rapidly expanding arena of cyber crime. The IC3 gives the victims of cyber crime a convenient and easy-to-use reporting mechanism that alerts authorities of suspected criminal or civil violations. For law enforcement and regulatory agencies at the federal, state, local, and international level, the IC3 provides a central referral mechanism for complaints involving Internet related crimes. 

State of Wisconsin – Office of Privacy Protection http://datcp.wi.gov/Consumer/Office_of_Privacy_Protection/index.aspx

The Office of Privacy Protection works with Wisconsinites to educate them on how to protect their identities. The Office of Privacy Protection has taught consumers, businesses, and law enforcement agencies about identity theft and fraud prevention. They work with victims of identity theft, helping them take steps to reclaim their identity and restore their credit standing.

Federal Trade Commission (Specific to counterfeit/fraudulent checks) http://www.consumer.ftc.gov/articles/0159-fake-checks

The Federal Trade Commission, the nation’s consumer protection agency, wants you to know that counterfeit check scams are on the rise. Some fake checks look so real that bank tellers are reporting being fooled. The scammers use high quality printers and scanners to make the checks look real. Some of the checks contain authentic-looking watermarks. These counterfeit checks are printed with the names and addresses of legitimate financial institutions. And even though the bank and account and routing numbers listed on a counterfeit check may be real, the check still can be a fake. These fakes come in many forms, from cashier’s checks and money orders to corporate and personal checks. Could you be a victim? Not if you know how to recognize and report them.

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