Online Protection

At Lone Star National Bank, we want you to feel comfortable using our Online Banking program. We take your privacy and online safety very seriously and we need you to do the same. Below are some helpful tips we recommend when banking online and in addition, some important information regarding the use of your Lone Star National Bank Debit card. If you have any questions regarding any of this information, please call Customer Service at 1.800.580.0322 or 956.984.2440 or visit one of our branches. Thank you for banking with Lone Star National Bank.

NOTE: Commercial/Business customers are not afforded the same protections Consumers are with many banking regulations. We strongly recommend that all commercial/business customers perform a risk assessment to document the controls you have in place to protect your business. For assistance, we suggest you contact your accountant or business attorney.

Special Security Alert

Dear Lone Star National Bank customer:

Should you receive an email claiming to be from the Federal Deposit Insurance Corporation (FDIC) with the subject line of: "You need to check your Bank deposit Insurance Coverage", or "FDIC has officially named your bank a failed bank", or "FDIC alert: check your Bank Deposit Insurance Coverage", please be aware that these emails are fraudulent.

Lone Star National Bank strongly recommends you delete these emails immediately! Under no circumstance should you click on any link asking you to do the following: "download and open your personal FDIC Insurance File to check your Deposit Insurance Coverage", because this could subject your computer system to infection from: Malware, Spyware, Trojans, Keyboard Loggers, or even Botnets.

Lone Star National Bank does not and will not engage in any type of illegal or fraudulent emails targeting customers' personal and confidential information. Thank you.

Online Banking Security

Dear Lone Star National Bank customer:

Lone Star National Bank (LSNB) is serious about safeguarding your personal information online. As a security measure, you may access your account information online from the LSNB website only if you have registered. LSNB Online Banking uses Secure Socket Layer (SSL) technology to encrypt your personal information such as User Ids, Passwords, and account information over the internet. Any information provided to you is scrambled when sent and decoded once it reaches your browser. If you have not enrolled and wish to review your account information, you may write to the address listed on your account statement, call Customer Service at 1.800.580.0322 or 956.984.2440 or visit one of our branches.

Please understand we use many layers of security when you attempt to access your account information. We will ask you to pick an authentication image and some challenge questions which will display when logging in from a public or other unregistered computer. If you don't see your image or challenge questions, don't enter your password; contact us immediately. We do and ask these things in order to provide you additional security.

It is not our practice to contact you and request you validate any customer information by providing you a link in an email or asking you to go to a particular website. If this occurs, do not respond to the request and call Customer Service immediately at 1.800.580.0322 or 956.984.2440 or visit one of our branches. We may however, contact you concerning the validity of certain debit card transactions if they appear to be out of pattern for you, in order for us to catch fraudulent activity before it costs you and the bank substantial amounts.

The internet is and will continue to be the source of many new opportunities. Those who get the most out of those opportunities will be those who use them wisely. Although the information below is not exhaustive, it contains some key points that will help you use the internet in a more secure manner. Use these points with caution and good judgment.

Sending E-mail to Lone Star National Bank

We ask that you do not send confidential information such as social security or account numbers to us via an unsecured e-mail. Such communications should be sent to us via the US Postal Service or you may call Customer Service at 1.800.580.0322 or 956.984.2440 or visit one of our branches.


 

Links to Third Party Websites

LSNB is not responsible for the information practices employed by sites linked to or from our website. In most cases, links to non-LSNB websites are provided solely as pointers to information on topics that may be useful to the users of the LSNB website, such as to the Federal Trade Commission (FTC) or to the Federal Deposit Insurance Corporation (FDIC). Third party websites may have different privacy policies and/or security standards governing their sites.

Phishing

Phishing (pronounced "fishing") is a form of criminal activity that employs social engineering techniques to acquire sensitive personal information (such as your passwords, account numbers, PIN numbers, Social Security number and account information). Appearing to be a trustworthy person or business in what appears to be an official communication like e-mail; criminals use sophisticated lures to "fish" for users' passwords and account or personal information.

However, scammers may use other contact methods to obtain your private information, such as text messages and phone calls. With these methods, you could receive a text message, phone call or voice mail directing you to awebsite or phone number, where you would be asked for personal data.

For example, you could receive a text message from an unusual number that says your bank account will be closed, frozen, or terminated unless you call a telephone number or go to a website. Often, these messages give negative consequences for not responding. This is an attempt to scare you and convince you to provide your personal and/or account information.

If you are ever unsure about the authenticity of an LSNB phone call or text message, please call the toll-free number on the back of your credit/debit card or the toll-free number printed on your bank statement.

You should never respond or reply to an e-mail, phone call, or text message that:
• Requires you to supply personal information
• Threatens to close or suspend your account if you do not take immediate action and provide personal information
• Solicits your participation in a survey where you are asked to enter personal information
• States that your account has been compromised or that there has been third-party activity on your account and requests you to enter or confirm your account information
• States that there are unauthorized charges on your account and requests your account information
• Asks you to enter your User ID, password or account numbers, PIN numbers or card expiration dates into an e-mail, non-secure webpage or text message
• Asks you to confirm, verify, or refresh your account, credit card, or billing information

It is highly recommended to protect yourself and your computer by purchasing or downloading good Internet Security, Anti-spyware, and Anti-virus software solutions are available from McAfee, Norton, AVG and others. Some programs are available for free, just run a search for antivirus or internet security software using your favorite search engine.

Identity Theft

Identity theft occurs when someone has stolen personal information about you and uses that information to obtain credit, open bank accounts or otherwise use your information for their personal gain. There are many steps you can take to help prevent identity theft such as placing a fraud alert on your credit reports and taking advantage of free annual credit reports to closely review your credit history, thereby giving you the opportunity to dispute inaccurate information. For more information about identity theft and steps you can take to reduce your chances of being a victim or if you are a victim needing assistance, contact the Federal Trade Commission (see below under Additional Resources).

How to Report Fraud

If you are concerned or worried that you might have inadvertently compromised your LSNB account, including your debit card, you should contact us immediately. The quicker we know what has happened, the quicker we can work on helping you.

Additional Resources

• FTC.gov: Federal Trade Commission website. Lots of information to learn about identity theft and other important consumer protection information
• FDIC.gov: Federal Deposit Insurance Corporation website. Information concerning identity theft and fraud.

Important Information Regarding the Electronic Funds Transfer Act

Regulation E
Regulation E is a Consumer protection regulation; it only covers Consumer accounts and it is not applicable to business accounts in any amount. Along with protecting you against unauthorized transactions as outlined below, Regulation E also requires you to opt-in if you want the bank to consider paying one-time debit card overdrafts. The opt-in is required in order for you to fully understand you will be subject to overdraft fees if the bank pays the charge. If you do not opt-in, then your one-time debit card transactions will not be approved at the register; if you do opt-in, then we may pay your one-time debit card purchase and charge you an overdraft fee for doing so.

Regulation E covers the following types of transactions:
• Point-of-Sale
• ATM
• Direct deposits or withdrawals
• Transfers initiated by telephone
• Internet transactions
• Initiated by check (where the check is the source of information necessary for processing such as the bank routing number and customer account number)
Regulation E does not cover:
• Business accounts
• Wire transfers
• Preauthorized transfers
• Securities
Customer Liabilities:
• If you notify us within two business days you are liable for the lesser of $50 or actual loss
• If you notify us after two business days you are liable for the lesser of $500 or the sum of the lesser of $50 or actual loss within the first two business days and unauthorized transfer amounts that occur after two business days and before you told us of the unauthorized transactions
Unauthorized Transfer on Bank Statement:
• Must notify bank within 60 days of transmittal of the statement
• Liability is limited to amount after 60 days and when you told us of the unauthorized transfers
Documentation Requirements:
• We will need written receipts and/or periodic statements
Error Resolution Procedures:
• We must investigate promptly and resolve within 10 business days
• We must give you oral or written notice
• We can take 45 days to investigate if we give you credit for the questionable transactions within 10 business days of when you reported the error
• We must notify you within two business days of crediting your account
• If an error occurred, we have one day to correct the error and we have three business days to tell you about it
• If an error did not occur, we have 3 to 10 business days to provide you with written explanation of our findings, we must advise you we will be debiting your account for any credit we gave, plus we must honor your checks for an additional 5 business days
• If you request, we must provide you copies of the documents we used to make our decision

You were provided with an EFTA disclosure at the time you opened your account. Additionally, information is contained within the Bank's Account Terms and Conditions Disclosure. If you cannot locate these documents, you may call Customer Service or walk into any branch and receive an additional

How to Guard Against Internet Thieves and Electronic Scams
Below you will find a video from the FDIC concerning online safety; it is approximately 19 minutes long and is packed with great information on how to protect yourself when doing business online.