Victory State Bank Offers Advice on Keeping Children Secure Online


STATEN ISLAND, N.Y. -- Your computer most-likely houses a significant amount of your private information; from credit information to family vacation photos, there are many things we do not want leaked onto the internet. Additionally, many of us share our home computers with our children, who are more vulnerable to many online dangers. Victory State Bank, along with the Federal Trade Commission, has compiled a list of important talking points for you and your children.

Computer Security: Alert your children to the dangers of sharing any information over the internet. This can include passwords, photos, and information regarding their home or school address. Teach children to avoid downloading things onto your computer without checking the source, many “free” downloads include damaging malware.

Phishing: Phishing is when scam artists use text-messages, emails, or instant messages to trick people into sharing personal information. Children are especially susceptible to phishers. Teach your children to never reply to unknown messages and that it is never acceptable to send personal information via these platforms.

P2P Sharing: Peer to Peer sharing is quite common. Both adults and children share music, movies, and games through informal networks connected by the same software. There are many risks associated with this behavior; accidently allowing people access to your personal files, acquiring illegal or copyrighted material, and downloading files that include an assortment of dangerous software.

Apps: Many social media platforms allow and encourage the downloading of apps. These applications can be games, quizzes or a myriad of other enticing activities. There is a catch however; many of these apps require full access to your social media information and the rights to share this information with whomever they please. This may also be true of apps downloaded onto mobile devices.

There are ways in which you can help to keep your computer safe for everyone: monitor your children’s social media activity as well as general activity on your home computer, keep your computer’s security software up to date, and speak often to your family about security concerns.  


About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

www.RelevantPR.com

Mobile: 917‑715‑8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 


Victory State Bank Points to Ways to Avoid Fraud; Part 1 of a 2-part series: What to Do to Avoid a Scam



STATEN ISLAND, N.Y. -- Victory State Bank knows your money is important to you and we would like to offer advice to help keep it safe. Scam artists can be very convincing, and very good at what they do. The Federal Trade Commission suggests the following steps you can do to stop a scam: 

What to Do

Know who you’re dealing with. Try to find a seller’s physical address (not a P.O. Box) and phone number. With internet phone services and other web-based technologies, it’s tough to tell where someone is calling from. Do an online search for the company name and website, and look for reviews. If people report negative experiences, you’ll have to decide if the offer is worth the risk. After all, a deal is good only if you get a product that actually works as promised.

Know that wiring money is like sending cash. Con artists often insist that people wire money, especially overseas, because it’s nearly impossible to reverse the transaction or trace the money. Don’t wire money to strangers, to sellers who insist on wire transfers for payment, or to anyone who claims to be a relative or friend in an emergency and wants to keep the request a secret.

Read your monthly statements. Scammers steal account information and then run up charges or commit crimes in your name. Dishonest merchants bill you for monthly “membership fees” and other goods or services without your authorization. If you see charges you don’t recognize or didn’t okay, contact your bank, card issuer, or other creditor immediately.

After a disaster, give only to established charities. In the aftermath of a disaster, give to an established charity, rather than one that has sprung up overnight. Pop-up charities probably don’t have the infrastructure to get help to the affected areas or people, and they could be collecting the money to finance illegal activity.

Talk to your doctor before you buy health products or treatments. Ask about research that supports a product’s claims — and possible risks or side effects. In addition, buy prescription drugs only from licensed U.S. pharmacies. Otherwise, you could end up with products that are fake, expired, or mislabeled — in short, products that could be dangerous to your health.


About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com


Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

www.RelevantPR.com

Mobile: 917‑715‑8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.


Victory State Bank Points to Ways to Avoid Fraud; Part 2 of a 2-part series: What Not to Do to Avoid a Scam


STATEN ISLAND, N.Y. – Anyone who has ever been the target of fraud knows how devastating it can be. Yesterday, Victory State Bank informed you of what you could do to avoid a scam. Today, we present the Federal Trade Commission’s suggestions of what not to do. The following guidelines will help to ensure that your money stays safe:

What Not to Do

Don’t send money to someone you don’t know. Not to an online seller you’ve never heard of — or an online love interest who asks for money. It’s best to do business with sites you know and trust. If you buy items through an online auction, consider using a payment option that provides protection, like a credit card.

 

If you think you’ve found a good deal, but you aren’t familiar with the company, check it out. Type the company or product name into your favorite search engine with terms like “review,” “complaint,” or “scam.” See what comes up — on the first page of results as well as on the later pages.

 

Never pay fees first for the promise of a big pay-off later — whether it’s for a loan, a job, a grant or a so-called prize.

 

Don’t agree to deposit a check and wire money back. By law, banks have to make funds from deposited checks available within days, but uncovering a fake check can take weeks. You’re responsible for the checks you deposit: If a check turns out to be a fake, you’re responsible for paying back the bank. No matter how convincing the story, someone who overpays with a check is almost certainly a scam artist.

 

Don’t reply to messages asking for personal or financial information. It doesn't matter whether the message comes as an email, a phone call, a text message, or an ad. Don’t click on links or call phone numbers included in the message, either. It’s called phishing. The crooks behind these messages are trying to trick you into revealing sensitive information. If you got a message like this and you are concerned about your account status, call the number on your credit or debit card — or your statement — and check on it.

 

Don’t play a foreign lottery. It’s illegal to play a foreign lottery. And yet messages that tout your chances of winning a foreign lottery, or messages that claim you’ve already won, can be tempting. Inevitably, you have to pay “taxes,” “fees,” or “customs duties” to collect your prize. If you must send money to collect, you haven’t won anything. And if you send any money, you will lose it. You won’t get any money back, either, regardless of promises or guarantees.

 

About Victory State Bank:

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com

Media Inquiries:

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

www.RelevantPR.com

Mobile: 917‑715‑8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.

 


Victory State Bank Warns of Lottery Scams



STATEN ISLAND, N.Y. – With all the recent news coverage of huge lottery windfalls, the folks at Victory State Bank understand how exciting it can be to receive news that you are a winner.

The lure of a winning a large amount of money is powerful, and this is why Victory State Bank wants consumers and business owner to beware of scams involving lottery or sweepstakes prizes.

If you’re contacted by someone claiming to be a government official asking you to pay money to collect your “winnings,” remember the following advice from the Federal Trade Commission:

  • Don’t pay for a prize. Legitimate sweepstakes don’t require you to pay insurance, taxes, or shipping charges to collect your prize. And companies, including Lloyd’s of London, don’t insure delivery of sweepstakes winnings.
  • Did you enter a sweepstakes or lottery? You can't win a prize in a sweepstakes you didn't enter. And keep in mind, it's illegal to play a foreign lottery.
  • Con artists use official-sounding names to make you trust them. It’s illegal for any promoter to lie about an affiliation with — or an endorsement by — a government agency or any other well-known organization. No matter how convincing their story — or their stationary — they're lying. No legitimate government official will ask you to send money to collect a prize.
  • Don’t wire money. Scammers often pressure people into wiring money. That's because wiring money is like sending cash: once it’s gone, you can’t trace it or get it back. Never deposit a “winnings” check and wire money back. 

The check will turn out to be a fake and you will owe the bank any money you withdrew. Resist any requests to tell your account information, or to send a check or money order by overnight delivery or courier.

Con artists recommend these services so they can get your money before you realize you’ve been cheated.

  • Put your number on the National Do Not Call Registry. If you want to reduce the number of legitimate telemarketing calls you get, register your phone number at donotcall.gov. Generally, scammers don't respect the Registry — or pay to scrub their lists against it.


About Victory State Bank

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com

 

Media Inquiries:

 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

www.RelevantPR.com

Mobile: 917‑715‑8761

Email:   This email address is being protected from spambots. You need JavaScript enabled to view it.


Victory State Bank Points to Phony Government Calls

 

STATEN ISLAND, N.Y.—According to the Federal Trade Commission, recently there has been an upswing in insincere government phone calls asking receivers for money, specifically in the immigrant community. The caller insists on being sent money, claiming to be from a legitimate-sounding government agency.

Victory State Bank wants to help you spot fraudulent government calls and keep your money safe. Remember these tips:


1. The government will never call or text you to ask for money.

2. Use your instincts. If a call seems illegitimate, investigate.

3. Get in touch with a real contact from the government agency that supposedly called you. Alert them of the situation.

4. Be suspicious of any person asking to be wired money or to have money put on a rechargeable credit card. This is the same as sending cash, making the money almost impossible to track.

 

 

About Victory State Bank:

 

VSB Bancorp, Inc. (NASDAQ: VSBN) is the one-bank holding company for Victory State Bank. As Staten Island, N.Y.’s only community-based commercial bank, Victory State Bank operates five full-service locations on the Island: The main office in the community of Great Kills, and branches in the communities of West Brighton, St. George, Dongan Hills and Rosebank. For additional information, Victory State Bank may be reached at 718-979-1100 or visited online http://www.victorystatebank.com

Media Inquiries:

 

Relevant Public Relations, LLC

Headquarters: 718‑682‑1509

www.RelevantPR.com

Mobile: 917‑715‑8761

Email:  This email address is being protected from spambots. You need JavaScript enabled to view it.