Customer Awareness Program


Identity theft and other forms of cybercrime are constantly on the rise. Miners Exchange Bank considers it our duty as a community provider of financial products and services to help our customers be aware of these threats and be prepared to protect their information.

Miners Exchange Bank will NEVER request you to provide your personal information by email or text messaging.

This includes account numbers, social security numbers or tax identification numbers, debit card number and/or expiration, passwords, PINs, or other forms of confidential information. You may be contacted by us or an affiliate regarding your account or suspicious activity on your account and you may be asked to verify the last four digits of your SSN, your phone number, or your address to verify your identity in such cases. However, we will never initiate contact by phone, email, or text messaging and ask for a full account number, debit card number, full SSN, or any usernames or passwords.

Phishing and Vishing Attacks


An attempt through electronic communications to acquire sensitive information. This normally occurs through email but may also occur in text messaging, instant messaging, or through social media. These attacks can spoof (copy) the name and domain of a legitimate organization to appear genuine.

You may receive an email that appears to come from a company that you have a relationship with that mentions a billing error or balance due and asks to confirm personal information. There may be a link that directs the target to a page that looks similar to or replicates the company’s real website and requests that you log in to confirm your information.

How to recognize phishing attacks:


Like phishing, vishing is an attempt to acquire sensitive information over the phone, either by contacting you directly or by leaving a voicemail for you to respond. Also like a phishing attack, these can spoof (copy) a legitimate phone number to appear genuine.

You receive a phone call or voicemail stating there was problem processing your recent payment and that you need to confirm your full credit or debit card number, expiration date, and CVV code (the 3 digit code on the back of your card).

How to recognize vishing attacks:

Responding to Phishing/Vishing Attacks

If you receive communication in an email, text message, or phone call that you find questionable, the following responses are the safest methods to verify legitimacy:

Protecting Your Information

There are several recommendations and tips that customers can use to protect their information from unauthorized access. Some of these steps include:

Online Banking and Mobile Banking Security

Password Security

General Guidelines for Protecting Information

Customer Resources

Electronic Fund Transfer Act (Regulation E):

Regulation E establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer and remittance transfer services and of financial institutions or other persons that offer these services.

Regulation E - Electronic Fund Transfer Act (FDIC)

Regulation E - Electronic Fund Transfer Act (Federal Reserve)

Credit Reporting Agencies:

Request credit reports, place and remove credit freezes, file disputes, place fraud alerts, financial products, services, and education.

PO Box 1000
Chester, PA 19022
(800) 916-8800

PO Box 740241
Allen, TX 75013-0949
(800) 685-1111

PO Box 2104
Chester, PA 19022
(888) 397-3742

Federal Trade Commission:

Report fraud, report identity theft, free credit reports, do not call registration, sign up for consumer alerts, and more.

Report Fraud

Report Identity Theft

National Do Not Call Registry

Contact the Federal Trade Commission

Federal Deposit Insurance Corporation (FDIC)

Resources to educate and protect consumers.

Consumer Protection

Contact the FDIC

Consumer Financial Protection Bureau (CFPB)

Resources, tools, education, and materials for informed financial decisions.

Consumer Tools

Contact the CFPB