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Fraud Prevention
Your security is our priority
  • Look: Carefully examine your statements for unusual activity, such as unauthorized charges or withdrawals.
  • Listen: Be wary of unsolicited calls, emails, or text messages asking for personal information.
  • Verify: Always verify the identity of anyone requesting personal information, especially if you are unsure of the source.
  • Report: If you suspect fraud on one of your FirstLight accounts, contact us immediately.

Fraud Prevention

What to know

  • Impersonation Scam

    Scammers can spoof caller ID to appear as a legitimate entity. Be cautious even if the caller ID seems familiar.

  • Tech Support Scam

    Watch out for unsolicited calls or pop-ups offering technical support. Scammers may try to trick you into downloading malicious software to gain access to your personal information.

  • Refunds Scam

    Be wary of unexpected refund offers. Scammers may claim you've been overcharged and ask you to return a portion of the funds. Once you send the money, the original transaction may be reversed, leaving you in a financial loss.

  • Identity Theft

    Identity theft is when someone uses another person's personal identifying information, such as their name, identifying number, or debit/credit card number, without their permission, to commit fraud or other crimes.

    Potential indicators of identity theft

    • You fail to receive bills or other mail.
    • You notice suspicious or unexplained activity or accounts on your statement(s) or online.
    • Unfamiliar accounts appear on your credit report.
    • The IRS notifies you of a tax return or employer not associated with you that has been linked to you.
    • You get notified that your information was compromised by a data breach.

What to do

  • Stop, Drop, and Call

    Stop. If they ask you for anything, decline. Even if you were hacked, your card company would never ask for a password.

    Drop. End the call as soon as you suspect it's a scam. Don't feel obligated to be polite.

    Call. Contact a known number to report the incident.

  • Enable OTP

    Use multi-factor authentication (MFA) for added security. This requires a second form of verification, such as a code sent to your phone, in addition to your password.

  • Never download remote access software

    Avoid downloading any software recommended by an unsolicited caller. Scammers may use this to gain access to your computer and steal your information.

  • What should I do if my debit or credit card has been lost or stolen?

    Call 800.229.5414 to report a lost debit card.

    Call 800.229.6132 to report a lost credit card.

    Additionally, you should:

    • Notify any merchants that automatically charge your card and provide them with your new card information.
    • Review your transaction history for suspicious activity and contact us immediately @ 915.562.1172 if there are transactions that you did not make.
    • if you notify us within two business days after learning about the loss, your liability for unauthorized transactions is limited to $50. If you wait longer, you could be liable for up to $500, so it's best to report it as soon as possible.
  • What should I do if I see a suspicious transaction on my statement?

    Call FirstLight at 915.562.1172 and report the suspicious transaction. You may also want to contact the merchant. It is sometimes easier and more efficient to resolve any issue directly with the merchant.