FGB will never call you to ask for personal or account information.
First Guaranty Bank encourages everyone to remain vigilant with their personal information. Change your passwords often, activate account alerts for bank accounts and credit cards, continue to monitor your credit report, and remain cautious when receiving phone calls/text messages/emails from unknown people.
Be Aware of Common Scams
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Phishing scams
Being aware of your surroundings online can prevent you from falling victim to the fraudulent practice of perpetrators probing your personal emails and online forums inducing individuals to reveal personal information like passwords and credit card information. Never click links in an email or text messages you weren't expecting and look before you click. Remember, our URL is www.fgb.net.
Fraudulent Mailers
Scammers may use our name or variations of First Guaranty Bank to solicit your personal information regarding your mortgage. Mailers circulating are NOT from First Guaranty Bank.
Fraudulent Phone Calls
Similar to fraudulent mailers, scammers may use our name (or variations of First Guaranty Bank) in the caller ID to solicit your personal information. Remember, we will never call you or text you to ask for personal or account information. If you receive a suspicious call, do not answer or call back.
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How First Guaranty Bank Recognizes Fraud
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ATM/Debit Card Fraud Protection
Our automated system will contact you in the following order: text message, email, and phone call, to verify suspicious card transactions.
NOTE: You will NEVER receive a text, call, or email from us asking you for your debit card number.
External Transfers, Wires, and ACH Transactions
If an external transfer, ACH, or wire transaction appears abnormal, you will receive a notification within your online banking session. For your protection, any abnormal transaction will be placed on hold.
What should you do if you receive this alert?
For security reasons, this transaction is on hold and under review. It will not be processed until the review has been completed. You can check for transaction status updates in online banking.
NOTE: You will still be able to access your account and use your debit/credit card. Only the abnormal transaction will be placed on hold. If the transaction occurs over the weekend, the transaction will remain on hold until the following business day when the transaction can be reviewed.
Positive Pay
Positive Pay offers fraud protection service by providing a trouble-free way of monitoring checks clearing customer accounts and helps identify unauthorized transactions before final payment. Positive Pay is a feature that can be enabled for business customers that can help monitor accounts for unauthorized checks and/or ACH transactions. Customers must upload their issued check file or create ACH rules, which will cause exceptions to be created for review. Customers have the ability to decide whether to pay or return the items that are on the exception list. The deadline to make decisions on exceptions is 10 AM CST.
FGB implemented Payee Match as part of our Check Positive Pay offering. Payee Match compares the payee on the check image against the payee’s name that is listed on the issued check file. Enabling Payee Match offers our customers an additional layer of protection by validating the payee in addition to the check number and check amount.
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For more information and tips about protecting yourself from online fraud, read our blog. You can also check out our privacy policy.