Safety, Security & Fraud
As the situation with COVID-19 continues to evolve and change at a rapid pace, we continue our stance of protecting our employees, customers and communities. With that and to assist in the social distancing recommendations of government officials, we are putting in place measures to minimize interactions in our banking offices.
Effective Friday, March 20 we will temporarily limit lobby access at our offices. Drive-through service will continue as normal. Regular banking transactions such as deposits, cash withdrawals, change requests and loan payments may be completed at our drive-through windows. For other requests, please contact your banking office to set an appointment, and we will do our best to accommodate you. Click here for a listing of our banking office's locations and hours.
You may also complete transactions remotely through:
We are all in this together and together we can stay healthy and safe. We will continue to post updates as necessary on our website, Facebook, Instagram and through customer emails.
For the latest information regarding the coronavirus visit CDC Coronavirus What You Need to Know.
Here are Some Tips for Fighting Fraud
If anything looks out of place, do not use it. Please call the financial institution or let merchant employees know, so law enforcement can be contacted
Treat Unsolicited Offers with Suspicion
If you receive a request or offer via e-mail, pop-up message or by phone that requires you to provide or confirm personal information, call the business using a phone number other than the one given to confirm the legitimacy of the request or offer. If the inquiry seemingly originates from a known and trusted entity, use the number on the back of your card or on your monthly statement. Remember, if it seems too good to be true- it probably is.
Make Payment Electronically when Possible
Electronic payments reduce the amount of paper floating around with personal information on it, and using our online bill paying service can help.
Shop Carefully Online
If you initiate an online transaction and must provide personal data, look for indicators that the site is secure like ”https” in the Web address or the closed padlock icon in the bottom frame of your browser. Avoid sites without these indicators. It is also wise to conduct financial transactions only on wired Internet connections- wireless connections can be more vulnerable to attack.
Use Updated Anti-Virus Software, Anti-Spyware & a Firewall
Some phishing and pharming attacks contain software that can harm your computer or track your activities on the Internet without your knowledge.
Review Account Statements Regularly
Verify all transactions by matching receipts to checking, savings, and credit card account statements. Frequently reviewing activity online helps identify unauthorized activity between monthly statements. Download the HCBT CardValet app to sign up for alerts.
Review your Credit Report Every Year
You are entitled to one free credit report each year. You may also obtain a free report, log on to www.annualcreditreport.com or call 1-877-322-8228.
Protect Your Purse or Wallet
One of the leading causes of identity theft is lost or stolen belongings containing personal information. Minimize the number of items you carry that contain personal information, such as your Social Security card.
Never disclose your PIN or account password to any individual for any reason
Contact Your HCBT Banker with Any Questions