Cyber Security Awareness
Knowing and understanding cyber security and the risks related to cyber security is vital in protecting yourself and your business. Quaint Oak Bank has implemented vigorous information security programs to safeguard your data, and continues to update and educate all employees on current security precautions. However, customers also must continually educate themselves to maintain their safety. The information below is intended for customers to view as guidelines for their cyber activities.
Regulation E
Regulation E provides guidelines for consumers, banks or other financial institutions related to electronic funds transfers (EFTs). It outlines rules and procedures for electronic funds transfers, and procedures consumers must follow when reporting EFT errors and the steps a bank must follow to provide recourse. Guidelines for issuers of electronic debit cards are also provided under Regulation E.
Regulation E was put forth by the Federal Reserve System and adopted in 1978 as an add-on to the Consumer Credit Protection Act. The law and regulation establish the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services.
Commercial customers are not covered by Regulation E. Therefore, it is crucial that business customers implement their own security measures.
Account Communications
Quaint Oak Bank may contact you regarding your account or regarding suspicious activities related to your account(s). However, Quaint Oak Bank will never ask you to provide log-in credentials. If log-in credentials, sensitive personal information, or sensitive account information are requested, do not respond. Immediately call 866.795.4499.
Identity Theft Protection Information
- Be aware of red flags:
- Trying to get you to move quickly
- Talking fast/trying to confuse you
- Using names to intimidate you or make you think you are on the same team
- Do not open links or attachments from unknown or unexpected senders
- Verify the sender of an email
- Consider is it logical
- Consider is it in line with their typical communications
What to do if you are a victim of identity theft
If you believe you may be a victim of identity theft, consider the steps below:
- Contact your banks, credit card companies, mortgage holders, and any other organizations you have a financial relationship with
- Contact the credit reporting agencies listed below to place fraud alerts or a freeze on your credit profile and request your credit report
- Report identity theft to the police
- Remove fraudulent information from your credit report
- Change all passwords
- Replace your stolen identification
- Report identity theft to the Federal Trade Commision
Credit Reporting Agencies
PO Box 105069
Atlanta, GA 30349-5069
To order a report: 800.685.1111
To report fraud: 800.525.6285
PO Box 2002
Allen, TX 75013-0949
To order a report: 888.397.3742
To report fraud: 888.397.3742
PO Box 1000
Chester, PA 19022
To order a report: 800.916.8800
To report fraud: 800.680.7289
Government Agencies
Additional Resources
Cybersecurity Education Notice
The information on this page is provided for general educational purposes only and is not legal, financial, or cybersecurity advice. Fraud and identity theft tactics change frequently, and no guidance can guarantee the prevention of fraud, unauthorized transactions, or loss. Quaint Oak Bank does not monitor customer devices, systems, or third‑party services and is not responsible for their security practices. Customer rights, responsibilities, and any applicable reimbursement are governed by applicable law and your account agreements, which control in the event of any inconsistency. If you suspect fraud or identity theft involving your account, contact Quaint Oak Bank immediately so appropriate steps can be taken. Some materials may be adapted from FDIC consumer education resources.