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serious about finances.

Keeping our customers informed and protected is a top priority for us. Fraud is a growing problem that we see more of every day. We take security measures within the bank such as daily spending limits on debit cards and requiring password changes for your internet banking login. While we protect the information you have entrusted to us there are measures you can take at home to keep your personal information secure.

Do not ever give your personal information to someone over the phone. Some callers can be very persuasive and will commonly use scare tactics to make you tell them what they want to know. The following entities will NEVER call you to threaten your benefits, tell you to wire money, send cash or put money on gift cards:   Social Security Administration (SSA), Internal Revenue Service (IRS), your bank.  In fact, the SSA and IRS only correspond through the US Postal Service.

Anyone who tells you to do these things is a scammer. Never give any part of your social security number, bank account or credit card number to anyone over the phone. When in doubt, ask them for a number to call them back or call your bank. Scammers have the ability to make it appear they are calling from any number (even the below bank and SSA numbers). If you are questioning the call, hang up and call them back or call your bank.

Each year you are entitled to a free credit report from each of the 3 credit bureaus. Visit to request yours. It is important that you are regularly monitoring your credit report. If there is anything unusual immediately call to place a freeze on your credit.

Important Numbers To Know

Libertyville Savings Bank (641) 472-9839

Social Security Administration 1 (800) 772-1213

Transunion 1 (888) 909-8872

Equifax 1 (800) 685-1111

Experian 1 (888) 397-3742

For more information on how to protect yourself from identity theft visit the US Department of Homeland Security’s Cyber Security Awareness site.

KnowBe4 Security Tips - How Secure is Your Mobile Device?


Most of us have a smartphone, but how many of us really think about the security threats faced by these mobile devices? Mobile devices are vulnerable to many different types of threats. The bad guys are increasing attacks on mobile devices and targeting your phone using malicious applications. Using these methods, they can steal personal and business information without you having any idea what’s going on.

Even if you’ve downloaded a security or antivirus application, securing your smartphone goes beyond these services. Improving your mobile security practices is your best defense against the privacy and security issues associated with your mobile device.

How can I improve my mobile security practices?
Always remember these best practices to minimize the risk of exploits to your mobile devices:

  1. Ensure your phone’s operating system is always up to date. Operating systems are often updated in order to fix security flaws. Many malicious threats are caused by security flaws that remain unfixed due to an out of date operating system.
  2. Watch out for malicious apps in your app store. Official app stores regularly remove applications containing malware, but sometimes these dangerous apps slip past and can be downloaded by unsuspecting users. Do your research, read reviews and pay attention to the number of downloads it has. Never download applications from sources other than official app stores.
  3. Ensure applications are not asking for access to things on your phone that are irrelevant to their function. Applications usually ask for a list of permissions to files, folders, other applications, and data before they’re downloaded. Don’t blindly approve these permissions. If the permission requests seem unnecessary, look for an alternative application in your app store.
  4. No password or weak password protection. Many people still don’t use a password to lock their phone. If your device is lost or stolen, thieves will have easy access to all of the information stored on your phone.
  5. Be careful with public WiFi. The bad guys use technology that lets them see what you’re doing. Avoid logging in to your online services or performing any sensitive transactions (such as banking) over public WiFi.

Stop Look Think - Don't be fooled
The KnowBe4 Security Team                                                                                              



Phishing is when an attacker attempts to acquire information by masquerading as a trustworthy entity in an electronic communication. Phishing attacks are typically carried out through email, instant messaging, phone calls, and text messages (SMS).

Prevention Tips

  • Delete email, text, and social media messages that ask you to confirm or provide sensitive information.
    Legitimate companies don’t ask for sensitive information this way.
  • Beware of visiting website addresses sent to you in an unsolicited message. Even if you feel the message
    is legitimate, type web addresses into your browser instead of clicking links.
  • Try to independently verify any details given in a message directly with the company.
  • Utilize anti-phishing features available in your email client and/or web browser. Also, utilize an email
    SPAM filtering solution to help prevent phishing emails from being delivered.
  • Do not open attachments from unknown senders or unexpected attachments from known senders.
  • Be cautious of the amount of personal data you make publicly available through social media and other

Information provided by Tandem  

Cyber Security During COVID-19

Please see below from the FDIC regarding cyber security.  Many cases of fraud have already been reported.

The Cybersecurity and Infrastructure Security Agency (CISA) warns individuals to remain vigilant for scams related to Coronavirus Disease 2019 (COVID-19). Cyber actors may send emails with malicious attachments or links to fraudulent websites to trick victims into revealing sensitive information or donating to fraudulent charities or causes. Exercise caution in handling any email with a COVID-19-related subject line, attachment, or hyperlink, and be wary of social media pleas, texts, or calls related to COVID-19.

CISA encourages individuals to remain vigilant and take the following precautions.

  • Avoid clicking on links in unsolicited emails and be wary of email attachments. 
  • Use trusted sources—such as legitimate, government websites—for up-to-date, fact-based information about COVID-19.
  • Do not reveal personal or financial information in email, and do not respond to email solicitations for this information.
  • Verify a charity’s authenticity before making donations. Review the Federal Trade Commission’s page on Charity Scams for more information.
  • Review CISA Insights on Risk Management for COVID-19 for more information.

KnowBe4 Security Tips - The Shock Factor: Don’t Take the Bait!

One of the most common and successful tricks cyber criminals use to trigger you into falling for their scams is fake “stressor events”. In this context, “stressor events”, are shocking or compromising situations that inflict fear or provoke other emotions, for the purpose of causing an impulsive reaction.

How it works:
When the bad guys present a shocking claim to an unknowing victim, they often add a sense of urgency to drive home the “importance” of the scenario. In reality, this sense of urgency is another factor increasing the chances that you’ll react impulsively and click on their malicious links or download their dangerous attachments. Attackers explain their fake scenarios in the body of their phishing emails, but they’re also known for using shocking subject lines such as, “Act Now: Fraudulent activity on your checking account”. Though these tactics certainly aren’t limited to phishing emails, scammers also use these techniques in Smishing (SMS, or text phishing) and Vishing (voice phishing) attempts.

How to avoid falling victim to pressure:
The reason these attackers are often successful is because they‘re convincing the target to either avoid a negative consequence or gain something of value. Stop and think about the likelihood of the scenario before making the wrong move.

  • Never open an attachment you weren’t expecting. Even if it appears to be from someone you know, pick up the phone to verify it’s legitimate.
  • If the sender of the email is difficult to get in touch with or unwilling to speak on the phone, it’s likely a scam.
  • If the sender requests that you send or receive money in unusual ways it’s probably a scam. For example, if they’re requesting a payment in the form of gift cards, don’t fall for it!

Stop Look Think - Don't be fooled
The KnowBe4 Security Team 

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