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Security Center


Educate Yourself


In order to help our customers protect themselves and have access to helpful data regarding information security, we've provided some important information and resources.  As security concerns can be an evolving matter, we'll make periodic updates and changes to this information as needed.  We'll help you get there.


Quick Links to information listed below:



Different Types of Scams


Malware is any software that is intended to be harmful to a computer. Malware could be a virus, worm, Trojan horse, spyware or adware.

Pharming is a form of online fraud that redirects a website's traffic to a bogus website. The fraudulent website will look very similar to the legitimate website.

Phishing is a fraud scam that attempts to collect personal information such as usernames and passwords by an attacker claiming to be a trustworthy source. Phishing scams are generally initiated through an official-looking email that asks the victim to urgently click on a link and provide personal information. Other phishing scams originate in an email that asks the recipient to call a phone number to verify information. Often times the caller reaches an automated voice response system that asks them to provide personal identifying information.

If you think your computer system may have been compromised by one of the above, you should close your programs, conduct a scan of your PC with anti-spyware and anti-malware software and you should also clear your cache (go to Tools then delete Browsing History).

For more information about pharming or phishing, please visit http://www.bos.frb.org/consumer/phishpharm/index.htm.

Social engineering is a way of manipulating people to share their personal information in order to gain access to your online accounts. The best way to avoid Social Engineering schemes is to be cautious and suspicious of any request for money, passwords/PINs, account numbers or other confidential information – regardless of where it seems to be coming from.

For additional information on common scams, please visit http://www.fbi.gov/scams-safety/fraud.


Stay Informed of Security Threats


The U.S. Government has many resources available to consumers to help them stay informed of security issues, especially when it comes to cyber-related threats.  One such tool is available through the United States Computer Emergency Readiness Team (US-CERT).  Click HERE to subscribe to the US-CERT security alert email tool.


Tips on How to Protect Yourself and Your Information


  • 1st Constitution Bank will never initiate an email requesting your debit card number, account number, Social Security Number, Personal Identification Number (PIN), password or other personal identifying information. If you receive an email requesting information that appears to be from 1st Constitution, do not respond to the email and contact your local 1st Constitution Bank branch immediately by calling 609-578-4400.
  • Do not share your personal identifying information with anyone who is not authorized to have access to your accounts. Personal identifying information includes your:
    1. Birthdate
    2. Social Security Number
    3. Credit or Debit Card Numbers
    4. Personal Identification Numbers (PINs)
    5. Password
  • You can change your password as often as you like online and we encourage you to do so regularly. Do not use birthdays, phone numbers or names that others can guess.
  • Promptly review your account statements and immediately report any discrepancies or unauthorized transactions to your local 1st Constitution Bank branch by calling 609-578-4400.
  • Always be suspicious of offers made by telephone, email or on a website that seem too good to be true.
  • Do not respond to unsolicited email and do not click on links or open attachments within unsolicited email. If the email appears to be coming from 1st Constitution Bank go directly to our website to login.
  • Always be suspicious of emails that use urgency or scare tactics.
  • Always be suspicious of proposed transactions that require an advance payment by wire transfer.
  • It is essential for you to install, frequently update, and regularly run anti-virus, anti-spyware, anti-malware and firewall protection programs on your computer.
  • Sign up for eStatements to view your statements through online banking rather than through the mail.
  • Set up online banking alerts to notify you when transactions post or the balance falls below a threshold limit.
  • Keep account numbers, Personal Identification Numbers (PINs), credit and debit cards and checks in a secure location.
  • Check your credit report regularly.

How 1st Constitution Bank Protects You


  • Federal regulations provide consumers with protection from fraudulent or deceptive electronic fund transfers. See the Electronic Fund Transfer disclosures that were provided at account opening for more information on this protection. For a current copy of these disclosures contact your local 1st Constitution Bank branch and we will be happy to provide one for you. For example, these federal laws establish limits on a consumer's liability for unauthorized electronic fund transfers. They also provide specific steps you need to take to help resolve an error with your account.
  • 1st Constitution utilizes industry-standard security measures when it comes to protecting your information when using online and electronic services.

How to Respond if You're a Victim of Fraud


  • If you believe that any of your personal identifying information has been lost, stolen or compromised, contact your local 1st Constitution Bank branch immediately by calling 609-578-4400.
  • If your ATM/Debit card was stolen, have the existing card closed and a new card and PIN issued.
  • Request to close the accounts that you believe have been compromised and open new accounts.
  • Monitor your statements for any fraudulent activity. If found, contact your local 1st Constitution Bank branch immediately.

Avoid ID Theft

  • Notify the issuers of the credit cards you carry.  If unauthorized charges appear on your credit cards or if unauthorized cards have been issued in your name:
    • Request new cards with new account numbers.
    • Monitor your credit card bills for fraudulent activity.  If found, contact the credit card issuer immediately.
  • Contact your local police department to file a report.
  • Document the names and phone numbers of everyone you speak to regarding the incident. 
  • Follow up your phone calls with letters, and keep copies of all correspondence.

Lost or Stolen Debit or ATM Card?


  • If your ATM / Debit card is lost or stolen it's important to act quickly!
  • If you discover your card is missing during regular bank hours, call your local branch immediately at 609-578-4400 and report the loss or theft. If 1st Constitution is not open, call 1-800-554-8969.

How to Protect When Shopping Online


Protect your 1st Constitution Debit Card online purchases with Verified by Visa. This free, simple-to-use service confirms your identity with an extra password when you make an online purchase as an additional layer of security. Verified by Visa is just one more way that 1st Constitution is committed to the security of your account(s).

  • Simply enroll in Verified by Visa by clicking HERE.
  • Look for participating online merchants that display the Verified by Visa symbol -- it's your assurance that your transaction will have an added layer of protection.