Welcome to United Texas Bank's Frequently Asked Questions page. We developed this FAQ to help you with any questions you might have.

If you have any suggestions for content on this page, or have a question that’s not covered here, please  contact us .

Banking

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Q: Are my deposit accounts FDIC insured?

A: Yes! Each individual customer's account is insured by the FDIC up to $250,000 per ownership category.  Want to understand how much of your money is covered by the FDIC insurance at a single institution?  The FDIC has provided several very helpful links that further explain how you can maximize your insurance coverage and we have provided them below.  Make sure to check out EDIE, the FDIC’s calculator for consumers like you to calculate and manage your safety net.

For FDIC insurance basics:   https://www.fdic.gov/deposit/covered/categories.html
For FDIC insurance coverage limits:   https://www.fdic.gov/deposit/covered/categories.html
To calculate your deposit insurance coverage:   https://www.fdic.gov/edie/calculator.html

Q: How do I set up Direct Deposit of my payroll check?

A: After your checking application has been approved, you will receive our routing and transit number and your account number. If your employer participates in a direct deposit program, simply provide this information to the human resources or payroll department at your company, and your direct deposit will usually begin within thirty days.

Q: How do I set up Direct Deposit of my Social Security check?

A: After your checking application has been approved, you will receive our routing and transit number and your account number. Simply contact the Social Security Administration, and have your Social Security Number and account information available to set up your direct deposit right over the phone.

Q: Can I get information about my account by phone?

A: Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about our Voice Response System for automated account information 24 hours a day.

Q: What products can I apply for online?

A: We now offer online account opening for a number of our products, including Classic Checking, NOW Personal Checking, Personal Savings, Personal Lone Star Money Market, and Certificate of Deposit accounts. From the home page of our website, click on “Open an Account in Minutes” to get started . For IRA’s and business account products, just stop by one of our branches or contact one of our new accounts representatives about scheduling a convenient time for us to meet you in person.

Q: Is interest paid on my checking account?

A: Yes! If you want a checking account that pays a market rate of interest, check out our Now Checking account.

Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?

A: At this time, we only service accounts for persons that reside within our geographical area and have valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Q: Can I do all of my banking with you?

A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time.  Contact us  with questions about your banking needs.

Q: Can I look at all of my transactions anytime?

A: Yes! With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How frequently is my information updated?

A: Your account information is updated every business day with new transactions that posted to your account the previous day.

Q: Are wire transfers possible to and from my checking account?

A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits.  Contact us  for details.

Q: How do I make a deposit to my account from a remote location?

A: You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

Q: When do I have access to use Internet Banking?

A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

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Bill Pay

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Q: How does bill payment work?

A: Bill Pay lets you make payments and receive and pay all your bills online through one secure, easy to use site. You can make payments to anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier. Once you have completed the registration application and you are approved, you may easily enter each biller's payment address and account information to set up your payments. Log on and pay your monthly bills in minutes by simply entering the amount you wish to pay, or set up a recurring payment and never have to worry about missing a payment again.

Q: How do I register for electronic bill payment?

A: Bill Payment registration is easy! The first time you attempt to access the bill payment (Payment Manager) section of Internet Banking, you will be prompted to begin online registration. You are first requested to complete the Bill Payment Registration Form. When the enrollment information is complete, click Continue to review and confirm the information entered. You will then be prompted to read and accept the terms and conditions of our bill pay service. Acceptance of the terms and conditions is required to access online bill payment services.

Your registration form will then be forwarded to us for review. Your application will be processed within 24 hours, and you will receive an e-mail notifying you that you may begin setting up your bills! Bill pay will always be accessed from within United Texas Bank's website, so you will only need one login to handle all your banking needs.

Q: When can I start using electronic bill payment?

A: After enrolling in Online Bill Pay, you should get a "Registration Complete" page. Your application will be processed within 24 hours, and you will receive an e-mail notifying you that you may begin using Online Bill Pay.

Q: Is it possible to schedule recurring payments?

A: Yes. You can schedule weekly, bi-weekly, monthly, semi-monthly, quarterly, semi-annually and annually. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?

A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously.

Q: Can I use electronic bill payment with all my accounts?

A: No, only checking accounts can be used for bill payment purposes.

Q: When is bill payment available?

A: You can schedule payments 24 hours a day, seven days a week.

Q: How are Bill Payment transactions reflected on my checking account?

A: Bill Payment transactions for electronic payees are reflected as an ACH debit on the account statement. Non-electronic merchants or individual payees receive a laser-printed paper check sent through the U.S. Postal Service.

Q: When is the money for the payment drawn from my payment account?

A: For UTB Bill Pay (Retail Bill Pay): If the payment is sent electronically, the payment is debited from your account on the process date. Otherwise, a payment by check is debited from your account when the check is presented for payment. Keep in mind that you should always have funds available to cover the payment on the scheduled payment date.

For UTB Business Bill Pay (Commercial Bill Pay): If the payment is sent electronically or by check, the funds for the payment clear your account on the selected process date. Keep in mind that you should always have funds available to cover the payment on the scheduled process date.

Q: How do I add new payees?

A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: How do I search for a payee?

A: To search for a payee:

  • Select Payee.
  • Click the Search for Payee button.
  • Click the General, or VISA or MasterCard entry fields and enter the payee's name or the first digits of the card number, as applicable.
  • Click the Search for Payee button.
  • If the payee's name is found on the database, click on the checkbox to the left of the Payee's name.
  • Click the Select Payee button, the Add Payee screen appears.
  • Add the Payee's nickname and account number. The account number may be found on the bill.
  • Click the Add button, the Payee will be added to the list of Payees.

Q: Can I sort my list of payees?

A: Payees are automatically sorted then displayed alphabetically starting from the top of the page.

Q: How do I delete a payee?

A: Pending payments must be deleted before a payee can be deleted. To delete a payee:

  • Click the View Payments button, the View Payments screen appears.
  • In the fields under Next Payment Date Range, enter the "From" and "To" dates for the pending payment.
  • Click the Next Date Range button, all pending payments falling between these selected dates will be displayed within the View Payments screen.
  • Click the checkbox next to the payment to be deleted.
  • Click the Delete Payments button, the payment will be deleted from the view payment summary.
  • Click the Payee button.
  • Click the checkboxes of the payee to be deleted.
  • Click the Delete Payee button, a new screen appears showing payee(s) to be deleted.
  • Click the Cancel button to abort and return to the Payee list or; Click the Delete button to permanently delete the payee(s) from the payee list. A deleted payee confirmation screen will confirm this payee has been deleted.

Q: How do I change a payee's information?

A: Only the Nickname and Account Number may be edited once a payee is set up. To edit these items:

  • Select Payees and your list of payees appear.
  • From the Payee list, select the checkbox to the left of each payee to be edited.
  • Click the Edit Payees button and information on selected payees appears.
  • Fields for Account Number and Nickname contain the current description - edit fields you want to change.
  • Click the Submit button and a confirmation page appears with the updated information and a status indicating whether the change was successful or not.
  • Clicking the Continue button brings you back to the Payees page where you can confirm the change.

NOTE: In order to change the name and/or address, the current payee must be deleted and a new payee added (all pending payments must be deleted first). Please refer to the "How do I delete a payee" FAQ above for more information on deleting payees.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?

A: Each bill payment is debited separately.

Q: Can bill payment be used when I am out of the country?

A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Can I pay bills to payees outside the U.S.?

A: No. Payments cannot be made to Payees outside the U.S.

Q: Who can be paid using the bill payment system?

A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Is there a limit to the number of bill payment accounts I can set-up?

A: Yes, you are limited to one bill payment account.

Q: Can I pay my bills on the weekend?

A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day before the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or a bank holiday are processed on the previous business day.

Q: What happens if sufficient funds (Non-sufficient funds or NSF) are not available in the account used for bill payment?

A: If a 'non-sufficient funds' condition exists, the debit will be returned via banking channels. The ACH return will prompt the system to block your bill payment account, preventing you from making more bill payments until the NSF condition is resolved. Any future dated recurring payments scheduled for release during the time the account is blocked will not be sent.

Q: What is ACH?

A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?

A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

If you select an electronic payee with the address that matches that indicated on the payment coupon and Check Free routes the payment incorrectly, then Check Free services will take responsibility for the late fee.

Q: How do I cancel a payment or place a 'stop payment' on a bill payment?

A: You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment; however, once the Service shows a status of "In Process" on a particular payment (typically four (4) or fewer Business Days from the processing or delivery by date) it cannot be cancelled or edited, therefore a stop payment request must be submitted.

The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. If you desire to stop any payment that has already been processed, you must contact iPay Customer Service toll free at 1-866-600-7060 Monday-Friday 6:30 am to 1 am CST or United Texas Bank Customer Service at (972) 239-7000 during normal business hours.

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Check Imaging

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Q: What is Check Imaging?

A: Check Imaging is a state-of-the-art service that replaces cumbersome stacks of cancelled checks with an easy-to-use summary showing each check in miniature. We take a picture of your check and print it on standard 8.5 x 11-inch pages that can contain up to 12 images per page. Rather than send you all the cancelled checks, we store the originals and send you the smaller images of your checks each month when we send your UTB monthly statement.

Q: Why are you providing check-imaging statements?

A: Because doing so improves our service to you by providing all the information you need in a more convenient format FREE of additional charge. First, it simplifies balancing your checkbook and record keeping and makes finding specific checks much more convenient as it consolidates them onto fewer pages - no more sorting and storing bulky, loose checks. Second, it reduces the risk of losing a check.

Q: What is Check 21 and what is its basic purpose?

A: Check 21 is a federal law that is designed to enable banks to handle more checks electronically, which should make check processing faster and more efficient. Today, banks often must physically move original paper checks from the bank where the checks are deposited to the bank that pays them. This transportation can be inefficient and costly. Check 21 became effective on October 28, 2004.

Q: How will Check 21 make check processing more efficient?

A: Instead of physically moving paper checks from one bank to another, Check 21 will allow banks to process more checks electronically. Banks can capture a picture of the front and back of the check along with the associated payment information and transmit this information electronically. If a receiving bank or its customer requires a paper check, the bank can use the electronic picture and payment information to create a paper "substitute check." This process enables banks to reduce the cost of physically handling and transporting original paper checks, which can be very expensive.

Q: Is electronic check processing secure?

A: Electronic check processing is not new to the financial industry and is a safe and reliable way of processing payments. It uses technology that has been developed and tested to process your check information securely.

Q: Does Check 21 mean that customers can't get their checks back in their account statements?

A: Currently, Check 21 permits the bank to provide either the original check or a substitute check; however most banks have already made the shift to providing only images of your checks instead of paper items in their bank statements. As Check 21 moves forward, the Federal Reserve will eventually require all banks to process only electronic images of checks between themselves, other institutions, and the Federal Reserve. There will not be any paper items passed among banks for clearing, so many banks have already implemented the necessary technology to prepare for that change.

Q: What changes can I expect when Check 21 goes into effect?

A: If you are among the many customers of banks that do not receive your canceled checks with your account statement, you likely did not notice any change when Check 21 went into effect on October 28, 2004. You will notice a change only if you receive a substitute check when you were expecting an original check. For example, if you receive canceled checks with your account statement, you might begin to receive a mixture of canceled original and substitute checks. If you receive image statements (pictures of several checks on a single page), you also may notice that some of the pictures are of substitute checks.

Q: Will Check 21 increase the speed with which checks are cleared between banks?

A: The speed of check-processing already has increased in response to check-system improvements other than Check 21. Thus, even now, once a check is deposited with a bank, it is almost always delivered overnight to the paying bank and debited from the checkwriter's account the next business day. Check-processing speeds should continue to increase, over time, as banks make further operational changes in response to Check 21. That means money may be deducted from your checking account faster. Before you write a check, it's always best to make sure your checking account has enough money in it to cover the check.

Q: Will Check 21 change how fast my bank must make my check deposits available for withdrawal?

A: Another federal check law (the Expedited Funds Availability Act) specifies the maximum times by which your bank must make funds available to you, though most banks make funds available faster than required. Check 21 did not change these maximum hold times. However, the Expedited Funds Availability Act requires the Federal Reserve Board to reduce maximum hold times in step with reductions in actual check-processing times. Thus, over the longer term, if Check 21 sufficiently increases the speed of check processing, the Board will reduce maximum hold times. A bank's decision to place a hold on funds you deposit by check does not affect the interest that you receive on the deposited funds. Specifically, if you deposit a check into an interest bearing checking account, your bank is generally required to begin to credit interest to your account no later than the business day on which the bank receives credit for the funds.

Q: What is the difference between Check 21 and programs that convert checks to electronic payments?

A: A check you write may be processed as a check. In that case, your rights are governed by check laws and regulations. Some merchants, however, may use your check as a source of information to create an electronic fund transfer. You must receive notice that your check may be processed this way. Electronic fund transfers are governed by different laws and have different consumer rights than check payments. For more information, see the brochure "When Is Your Check Not a Check: Electronic Check Conversion" published by the Federal Reserve Board.

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Updated Online Banking

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Q: Is there any action required to start using the new experience?

A: All that’s required is that you access our online banking on your desktop and log in using your existing credentials. You will then be prompted by an opt-in screen that will ask if you’re ready to upgrade to the new experience. Select “Upgrade Now” to start enjoying the new experience! We will provide 30 days for the “Upgrade Now” option then customers will automatically be switched to the new online banking.

Q: Is my account history still available?

A: Yes, all of your account history is carried over to the new experience. We have enhanced the overall look and feel of account history, as well as searching/filtering functionality, but your data hasn’t changed. 

Q: For commercial users, will my templates be carried over?

A: Yes, your current templates that are configured in online banking will be carried over to the new online banking. There may be enhancements to these templates such as extra fields that are optional or additional information that needs to be completed.

Q: What happened to help button?

A: There is a Help button available in the Menu.

Q: Will my login change?

A: No, you will be able to access your online banking via browser OR mobile apps using your existing credentials. 

Q: What happened to the bill payment area?

A: We increased the amount of bill pay functionality, providing you with more information relating to your pending and processed bills. Enhanced bill pay now appears in a more dashboard-style user interface, enabling you to choose the way you view information: either in a card view (for phone and tablet) or a list view (desktop and tablet). 

Q: Where did secure messaging go?

A: Secure messaging is now available via an option in the menu. In this version, we’ve added threaded messages and the ability to delete multiple messages at one time.  

Q: What browsers is this compatible with?

A:

  • Google Chrome 27-current version with Vista Service Pack 2+, Windows 7 & 8
  • Internet Explorer 7-8 with Vista Service Pack 2+ (limited compatibility)
  • Internet Explorer 9.X with Vista Service Pack 2+, Windows 7 & 8 (limited compatiblity)
  • Internet Explorer 10.X with Windows 7 & 8
  • Internet Explorer 11.x with Windows 7 & 8
  • Firefox 21 with Vista Service Pack 2+, Windows 7 & 8 (limited compatibility)
  • Firefox 22-23 with Vista Service Pack 2+, Windows 7 & 8 (limited compatibility)
  • Firefox 24-current version with Vista Service Pack 2+, Windows 7 & 8

Q: Can I use this on my phone/tablet?

A: Absolutely. You can download the app on any Android or Apple device, and it will provide a consistent experience with banking from your desktop. If you’re on a platform that isn’t Android or Apple, you can always access online banking via your HTML5-compatible mobile browser. 

Q: What is a unified experience?

A: A unified experience simply means that the look and feel of your online banking is consistent on all of your devices. It is intended to improve your experience by making navigation simple and familiar regardless of device.

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e-Statements

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Q: What is an e-Statement? 

A: An e-Statement is an electronic version of your statement. It provides you an alternate way to receive and store your monthly or quarterly statement from UTB, utilizing Internet-based technology.

Q: How do e-Statements work? 

A: To access your e-Statement, you will be required to be a UTB internet banking user. You will be notified through the e-mail address you provide to UTB each month or quarter that your e-Statement is ready. A link to internet banking will be provided in the e-mail notification. After logging into internet banking using your user id and password, you may click on the link to your e-Statement. You will be able to view your statement right from your computer, 24 hours a day, seven days a week via the Internet.

Q: Are e-Statements safe?

A: All security precautions have been taken to ensure the confidentiality of your electronic statement. Logging into internet banking ensures your e-Statement is safe as you are accessing your statement through a secure site. United Texas Bank uses the best available technology in security, firewalls, and encryption.

Q: How do I sign up for e-Statements?

A: After you have logged into internet banking, click on the e-Statements link to sign up for e-Statements.

Q: Will I continue to receive my paper statement in the mail? 

A: No, your paper statements will stop once you sign-up for e-Statements. If you sign up for e-Statements by the last business day of the month, your next statement will come electronically.

Q: How and when will I receive my e-Statement?

A: Upon signing up for e-Statements, you will receive your first e-mail notification to the e-mail address you specified on the first business day of the following month. You will continue to receive a monthly e-mail notification that your e-Statement is available. You will be provided a link to access your e-Statement, or you can log into internet banking and click on the e-Statements link anytime.

Historically, you have waited for your paper statement to be mailed and delivered. With e-Statements, you avoid the traditional mail delivery, so you will receive your statement sooner. 

Please note, if you have a savings account only, you will only receive statements quarterly (January, April, July, and October), unless you have direct deposit or any other ACH transaction. If your account does not have any activity for 90 days, you will not receive a statement. Everyone receives a paper statement in January, as required by law.

Q: How much history is available for e-Statements?

A: e-Statements are available for up to 13 months of history, from the date you initially sign up. 

Q: Will my e-Statement look the same as my paper statement? 

A: Yes. Your electronic statement will look very similar to the current paper statement, along with your images. It will have the same layout, colors, and graphics. 

Q: Is there a charge for e-Statements?

A: No, e-Statements are free!

Q: How do I cancel my e-Statement?

A: If you choose to discontinue receiving your statements electronically, simply fax us a request to cancel this service, or contact customer service at (972) 239-7000. 

Q: How do I save my e-Statement for future reference?

A: You have the option of printing a hard copy of your e-Statement and/or creating a folder on your hard drive and moving or copying the PDF file into it.

To save a copy of your e-Statement, click on the 'Save A Copy' Icon (picture of a floppy disk) in the Acrobat toolbar. Then select where to save the file on your computer. Note: You must click on 'File' in the Acrobat Reader toolbar to save a copy, not the browser's toolbar (Internet Explorer, Netscape, etc.).

Q: What if I change my e-mail address?

A: To change the e-mail address your e-Statements notification is sent to, login to internet banking, click on e-statements and go to "User Options" to change your e-mail address.

Q: How will I receive special announcement inserts that came with my printed statements?

A: Links to this information will be provided within your notification email. Simply click on the links provided to view any special announcements online. 

Q: What is a PDF file?

A: A PDF (Portable Document Format) is a universal file format that preserves all the fonts, formatting, graphics, and color of any source document, regardless of the application and platform used to create it. Adobe PDF files are compact and can be shared, viewed, navigated, and printed exactly as intended by anyone using Adobe® Acrobat® Reader™. 

Q: What is Adobe® Acrobat® Reader™ and why do I need it?

A: Adobe® Acrobat® Reader™ is free software used for viewing and printing electronic forms. You will need this software installed on your computer in order for your computer to download, display, or print your statement.

Q: How can I get Acrobat Reader?

A: You will have the ability to download the free software from a link furnished in your e-Statement account or by visiting Acrobat Download Information.

Troubleshooting Assistance

When accessing my e-Statements, you may receive a message stating "Busy Loading Document : Please be patient"

a file download window appears and my statement does not load. This issue is most likely caused by an Acrobat Reader failure. Please ensure that you have the latest version of Acrobat Reader.

Need Additional Help? Contact United Texas Bank Customer Service at 972-239-7000.

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Identity Theft

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Q: What is Identity Theft? 

A: Identity theft or identity fraud (true name fraud) is the taking of the victim's identity to obtain credit, credit cards from banks and retailers, steal money from the victim's existing accounts, apply for loans, establish accounts with utility companies, rent an apartment, file bankruptcy or obtain a job using the victim's name. The Impersonator steals thousands of dollars in the victim's name without the victim even knowing about it for months or even years. Recently, criminals have been using the victim's identity to commit crimes ranging from traffic infractions to felonies.

Q: What can I do to protect my identity?

A: Here are a few brief tips to help you avoid becoming an identity theft victim. 

  • Don't provide personal information to anyone unless you initiated the contact.
  • Shred personal information before discarding.
  • Protect PINs and passwords and don't make them easy for others to figure out.
  • Carry only cards and driver's license you use routinely with you daily.
  • Read account and billing statements carefully.
  • Review your credit report annually from each of the three major bureaus

To order credit reports: 

Equifax
800-685-1111 

Experian
888-397-3742 

Trans Union
800-888-4213

Currently, you are eligible to receive one free credit report during any 12-month period if you believe your file contains inaccurate information due to fraud.

Beginning September 1, 2005 all consumers will be able to order a free credit report annually from the three reporting agencies above through a centralized resource using this phone or web contact information.

Phone: 1-877-322-8228

Internet: www.annualcreditreport.com

Q: What can I do if I become an Identity theft victim? 

A: If you become an identity theft victim follow these important steps:

  • File a police report.
  • Contact the fraud departments at the credit bureau numbers listed above
  • Contact the Federal Trade Commission hotline 1-877-ID-THEFT
  • Contact all creditors to inform them, close accounts, and obtain new cards and security codes.

To report fraud: 

Equifax
800-685-1111 

Experian
888-397-3742 

Trans Union
800-888-4213

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Phishing

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Q: What is Phishing?

A: Phishing is an attempt, using fraudulent e-mail or website pop-ups, to get you to divulge sensitive financial information such as credit card numbers, account numbers, user names, passwords, or social security numbers. Phishing differs from virus or worm attacks in that e-mail or pop-up itself is innocuous, and cannot grab your personal information from your system without your knowing it. Instead, phishing relies on old-fashioned con artist tricks to get you to give up the information voluntarily. This information is used to steal your identity and run up bills in your name. Phishing is on the rise, with over 2,500 active phishing sites reported in early 2005.

Q: How does it work?

A: Generally the e-mail or pop-up will be cleverly crafted to look like it came from a financial institution, regulatory agency or other online company, such as PayPal or eBay that you trust. It will ask you to verify account information within the body of the email or direct you to a website that fakes the look of the company's website. Often times these fakes are very good. Any information you enter will be sent to the perpetrators of the fraud. 

Q: How do I protect myself? 

A: The best protection against phishing scams is to be cautious in how you share sensitive financial or personal information. Be skeptical of any e-mail or pop-up that asks for personal information. Anti-SPAM filters block many phishing e-mails, and pop-up blockers can limit the number of pop-ups you get, but no technology can prevent you from falling for the con. Legitimate businesses are very aware of phishing, and do not send e-mails requesting sensitive information. Do not reply to the e-mail, or follow any of the links. If you think the request might be genuine, confirm it either by calling the company directly at a number you know, or go directly to the company's website by typing a known address in the browser window. When evaluating an e-mail message requesting personal information, try to imagine it as an unsolicited telephone call. If you wouldn't give that information over the telephone to an unknown caller, don't give it out in response to an unsolicited e-mail.

Always ensure that you're using a secure website when submitting credit card or other sensitive information via your Web browser. To make sure you're on a secure Web server, check the beginning of the Web address in your browsers address bar - it should be "https://" rather than just "http://" and have a "lock" in the bottom corner. 

Q: What should I do if I've given out information to Phishers?

A: Cancel lost credit cards immediately. However, the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep a separate list where you can find it quickly and easily. 

Report it to your financial institution if your checkbook is stolen. 

File a police report immediately in the jurisdiction where your purse or wallet was stolen. This proves to credit providers you were diligent, and it is a first step toward an investigation if one is required.

If you believe your Social Security number has been compromised, call the Social Security Administration's fraud line to report it.

Contact credit-reporting agencies. This is perhaps the most important and least discussed step. Call the three national credit-reporting agencies immediately and ask them to place a fraud alert on your name and Social Security number. With an alert in place, any company checking your credit knows your information was stolen and they must contact you by phone to authorize new credit. 

Q: How can I learn more?

A: There are a number of sites on the web that provide information about phishing. 

The Anti-Phishing working group has excellent information relating to many different types of attacks on their Consumer Advice web page, at http://www.antiphishing.org/resources/ .

For additional information about how to identify fraudulent emails and protect yourself go to this FTC consumer alert address, at onguardonline.gov/phishing.html .

IMPORTANT PHONE NUMBERS & WEBSITES

Credit Reporting Agency Numbers

Equifax
To report fraud call 888-766-0008

Experian
To report fraud call 888-397-3742 /888-EXPERIAN

TransUnion
To report fraud call 800-680-7289

Other Numbers to Call if Fraud Is Suspected

Federal Trade Commission
Web: www.consumer.gov/idtheft
Phone: 877-ID THEFT

Social Security Administration
Phone: 800-269-0271

US Postal Inspection Service
Web: www.usps.com/postalinspectors

*Note: The above links will take you to external websites. The information provided by each of these services is the sole responsibility of the entity providing the information. The links to each entity is for the convenience of our customers. United Texas Bank makes no representation, warranty, or endorsement regarding the accuracy of the information provided. Any warranties or representations expressed or implied are hereby disclaimed in their entirety.

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