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Fraud Prevention

Protect your identity with these safeguards.

Fraudelent Activity

Please be aware of fraudulent phone calls, text messages, and/or e-mails that appear to be from your bank and ask for your personal or account information.

Remember: First National Bank will never ask for personal, account information by e-mail, or solicit account information by phone.  If you receive a suspicious phone call, text or e-mail, do NOT give out any personal or account information. If you have replied to one of these fraudulent messages, during business hours please call our Customer Service immediately at 936-594-2564 or after hours at 888-263-3370.

To help you defend yourself against fraud, First National Bank provides you with some general information to help you safeguard your accounts and privacy from identity theft, and online fraud:


  • Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place.
  • Before throwing away, shred carbons copies, ATM receipts and all financial documentation.
  • Opt for electronic vs. paper statements
  • Beware of emails that want you to act immediately.
  • Open bills promptly and reconcile accounts monthly.
  • Report any questionable charges promptly.
  • Report lost or stolen checks immediately.
  • Store cancelled checks - and new checks - in a safe place.
  • Periodically review your credit file and be sure all information is correct. 
  • Call the following numbers if your card is lost or stolen: Regular banking hours 936-594-2564 or call after hours 888-263-3370.

By law, once you report the loss or theft, you have no further responsibility for unauthorized charges.


  • Lend your card(s) to anyone. 
  • Leave cards or receipts lying around.
  • Write your pin on your card.
  • Write your account number down.
  • Use loose or worn-looking card readers at gas station pumps or ATMs.
  • Give out your account number over the phone.
  • Use unsecured networks like: libraries, airport or coffee shop.
  • Click on links unless you are certain where you are being sent.

If you suspect fraud, you may be asked to sign a statement under oath that you did not make the purchase(s) in question.