We will never request confirmation of your online account information via email or telephone.
We will never ask you to logon to our web site through email.
We will never ask you for your password.
If you receive any emails requesting this information, please do NOT reply to them or confirm your online bank account. Contact Spectra Bank at (817) 284-9598 if you have received such emails.
According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.
The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.
Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.
For more information about identity theft, go to www.ftc.gov/idtheft or call 1-877-IDTheft (438-4338).
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.
For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: http://www.fdic.gov/news/news/financial/2012/fil12045.html.