Understanding Phishing Scams

Fraud is on the rise. Scammers are getting smarter. Understanding the risk and taking preventative measures is key to protecting yourself from phishing scams.

A Phishing scam is an attempt by someone to deceive you into disclosing your personal or financial information that can be used to steal your identity, money, or both. These attempts come through a variety of sources such as emails, phone calls, or texts. They target all ages, all income levels, and all businesses as well as individuals.

How do Phishing scams work?

Scam artists “Phish” by posing as someone you know or trust, or as a legitimate company such as your bank. These criminals will typically ask you to provide or verify personal information such as a Social Security Number, account numbers and/or password/login information.

Phishing scams usually have two things in common:

1. They create a sense of urgency to get you to respond.

2. They ask for information that they should already have.

Remember: First Central Savings Bank will never contact you directly for your account numbers, passwords, or other personal sensitive information (such as your Social Security Number)  by phone, email, or text.

Common Types of Phishing Scams

Email (phishing)

These scams are strategically designed to look and sound legitimate. Phishing emails attempt to trick you into giving out personal or financial information, or clicking on a malicious link. Phone (vishing)

The attacker calls you and claims to be from a bank/IRS or asks for personal or financial information to help a family member or friend in trouble.Text (smishing)

Texts or SMS messages can appear to come from a person or company you know and then trick you into clicking a link or texting back personal information.


Beware of fake mobile banking apps

It’s possible for fraudsters to develop and make available fake mobile banking applications designed to look like an official First Central Savings Bank app in order to collect personal information, including username/password, with the goal to commit identity theft or account takeover.

The FCSB Mobile Banking App is only available from the Apple App Store and Google Play. Any mobile apps advertised on third-party sites should not be downloaded. The developer of the application is First Central Savings Bank.


At FCSB, protecting your personal and financial information is a top priority. If you have more questions, please contact us. We’re ready to help in person, via email, or on the phone.

To speak with us directly please call your local branch during regular business hours, we can also be reached via email at Support@myfcsb.com. If you need to check your account information online, click on the ONLINE BANKING button on the top-right of myfcsb.com to securely access your information.