Jersey State Bank

Access Your Accounts

JSB Locations

Main Office
1000 South State Street
Jerseyville, IL 62052
Phone: (618) 498-6466

Wal-Mart Banking Office
1316 South State Street
Jerseyville, IL 62052
Phone: (618) 639-2265

Grafton Banking Office
14 East Main Street
Grafton, IL 62037
Phone: (618) 786-2311

Send an Email
Find an ATM Machine

Educating and Protecting Yourself

A crucial step in preventing fraud is protecting yourself and your card(s).

    * Never provide or confirm personal information, such as card numbers, social security numbers, information on the card or your PIN unless you know who you are dealing with or you started the contact.
    * Take advantage of internet banking services to monitor activity on your accounts daily.
    * Place outgoing mail in Post Office mailboxes or at the local Post Office rather than in a home mailbox.
    * Tear or shred receipts, bills, or account statements before throwing them away.
    * This includes pre-screened credit card offers that, if thrown away intact, could be used to submit a false application.

Note: To opt out of pre-screened credit card offers, call (888) 5-OPT OUT (888-567-8688).

* Photocopy the card or record the information and store it in a safe, accessible place. If photocopying, copy the front and back of the card to capture both the card number and the phone number to report the card lost or stolen.
* If a card is lost or stolen or fraud is suspected, call and report that immediately using the SHAZAM toll-free phone number (800) 383-8000.
* If a wallet is lost or stolen and the Social Security number is compromised, call the three national credit-reporting agencies to place a fraud alert on the name and Social Security number. Taking this action prevents fraudulent applications from being approved. The numbers are:

Equifax, (800) 525-6285 or visit www.equifax.com

Experian (formerly TRW), (888) 397-3742 or visit www.experian.com

Trans Union, (800) 680-7289 or visit www.transunion.com

* Order credit reports every year from the three national credit-reporting agencies (above) or visit www.annualcreditreport.com. Review the reports for accuracy.
* Pay close attention to statements and their billing cycles. If a statement fails to show up on time, contact that organization. A missing bill or statement may indicate a perpetrator has stolen information.
* Review statements each month for unauthorized or fraudulent transactions.
* After receiving a reissued card, contact any companies with which recurring payments are established to notify them of the new expiration date.
* Never disclose an account number or other personal information unless initiating the call, transaction, or request. Avoid providing personal information using a cellular or cordless phone. Never respond to e-mail asking for personal information.
* Sign the back of the card. Failing to sign the card or writing “See ID” in the signature panel could actually result in losses.
* Be alert whenever the card is taken away to complete the sale, like at a restaurant. Skimming occurs most often in these situations. (Skimming refers to a method of capturing card data by swiping the card through a device, then using the data to manufacture a counterfeit card.) Identifying the point of compromise can greatly assist law enforcement in catching the criminal.
* Immediately report suspicious devices attached to ATMs or POS terminals.
* Report instances when a merchant offers to clean a card. It may be a ploy to capture the card data using an electronic device.
* Memorize the PIN. Never write it on the card or anything carried with or near the card.
* Never reveal the PIN or loan the card to another person.
* When entering the PIN, block the view of others by standing between the terminal and any person waiting.
* Make sure the transaction is complete and obtain a receipt before leaving a merchant location.
* Shop online only at secure Internet sites.

Be Alert to Identity Theft
Identity theft is a problem that impacts your organization and your customers and is closely linked to account takeover fraud. Once successful, the perpetrator may use your customer’s personal information to open other accounts, order a debit card and PIN for an existing account, or commit additional crimes against the true cardholder.

Learn more about how you can protect yourself from identity theft, phishing and electronic scams.

Falcon Fraud Numbers at Shazam
Toll Free: (866) 508-2693
To Report a Card as Lost or Stolen at Shazam
Toll Free: (800) 383-8000

Updated 2-2009.

PHISHING ALERT: Random individuals and/or companies have received fraudulent e-mail appearing to be sent from NACHA – The Electronic Payments Association. This fraudulent e-mail contains the Subject line "Rejected ACH Transaction" and indicates an ACH transaction was rejected and that corporate client should review the transaction by clicking on the provided hyperlink. This hyperlink directs the corporate client to a potentially malicious web site that is designed to appear as the official NACHA web site. If visited, this fraudulent web site could be used to install malware on the corporate client's workstation. This email did not originate from NACHA and that any recipient of this e-mail should not click on the provided hyperlink.

It is important to remember that NACHA nor FDIC will never solicate information from you via email. Furthermore, the FDIC will never notify you via email that a bank has failed or ask you download a program to ensure that your FDIC insurance is valid. Do NOT click on any of these links to download information nor enter your account number, debit card number, date of birth, social security number or credit card number because it may lead to potential fraud and identity theft.

Updated 11-2009.