STATEN ISLAND, N.Y. – Victory State Bank would like to provide you with the following update that has been issued by the Federal Trade Commission (FTC).

If you've been following the news this holiday season, you've probably heard that Target shoppers may have been affected by the recent data breach. Target notified their customers of the breach via email.

Unfortunately, scammers follow the news, too. Scam artists may send out phony "Target" emails pretending to help, but they actually want to trick you into giving them your personal information. And they are skilled at making the emails look real. If you get an email that says it's from Target, here's what to look out for to make sure you don't get scammed.

*If any email asks for your personal or financial information, it's most likely a scam. Say the email asks for your credit card number to check whether your card was compromised by the breach. What do you do? Don't reply. No legitimate business will ask for your personal information through unsecure methods like email.

*If there are links in the email, don't click on them, even if they seem legit at first glance. Scammers can easily create links and sites that look like the real deal, but can install viruses to your device or direct you to spoof sites that exist to steal your information. Hovering over a link can reveal a deliberately misspelled web address, or a completely different destination. Your best bet is to type the URL directly into your browser.

During the holidays, scammers may send emails promising a free gift card, a new tablet or computer, or even a seasonal job in exchange for your financial information. Even though these offers may sound tempting, delete the message and keep your information to yourself.

If you think you've received a fake email, forward it to This email address is being protected from spambots. You need JavaScript enabled to view it. , and delete the message from your inbox.

About Victory State Bank:

VSB Bancorp, Inc. (OTC: 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
http://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 Asks, 'Are you affected by the recent Target hack?'

STATEN ISLAND, N.Y. – Victory State Bank would like to provide you with the following warning that has been issued by the Federal Trade Commission (FTC).

Target has announced that any credit or debit card used in a Target store in the U.S. between Nov. 27 and Dec. 15 may have been compromised. According to the announcement, the stolen information includes the customer's name, credit or debit card number, and the card's expiration date and three-digit security code CVV1 (a security code stored on your card's magnetic stripe).

In light of this announcement, the FTC has this advice:

  • If you recently used your credit or debit card in a Target store, check your account. If you see charges that you don't recognize, immediately report them to the fraud department of your bank or credit card provider.
  • Going forward, continue to monitor your accounts and check that the information on your credit report is accurate. Your credit report includes information about your credit card accounts and other bills you pay. The law requires the three nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to give you a free copy of your credit report every 12 months if you ask for it. To get your report, visit AnnualCreditReport.com or call 1-877-322-8228. You'll have to provide some personal and financial information to get your report. For information about how to correct errors in your report, visit ftc.gov/freereports.

About Victory State Bank:

VSB Bancorp, Inc. 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
http://www.RelevantPR.com
Mobile: 917 715 8761
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Dealing With Robocalls

Staten Island business bank discusses issue of robocalls

STATEN ISLAND, N.Y. – If you answer the phone and hear a recorded message instead of a live person, it's a robocall.

You've probably gotten robocalls about candidates running for office, or charities asking for donations. These robocalls are allowed.

But if the recording is a sales message and you haven't given your written permission to get calls from the company on the other end, the call is illegal. In addition to the phone calls being illegal, their pitch most likely is a scam.

If you get a robocall:

• Hang up the phone. Don't press 1 to speak to a live operator and don't press any other number to get your number off the list. If you respond by pressing any number, it will probably just lead to more robocalls.

• Consider contacting your phone provider and asking them to block the number, and whether they charge for that service. Remember that telemarketers change Caller ID information easily and often, so it might not be worth paying a fee to block a number that will change.

• Report your experience to the FTC online at or by calling 1-888-382-1222

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
http://www.RelevantPR.com
Mobile: 917 715 8761
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

STATEN ISLAND, N.Y. – Just as you do your homework before making other important purchases, it's a good idea to research antiques before you buy them. This may include visiting antique shops, malls, and auctions; talking with collectors and reputable dealers; and reading price guides, auction catalogs, books, and magazines on the items you're interested in buying.

The more you know, the less likely you are to buy something that isn't what you thought, or to pay more than you should.

When shopping, ask questions:

• How long have you been a dealer?
• Do you belong to any professional organizations, like dealer associations, appraiser associations, or organizations related to specific types of merchandise?
• Do you specialize in certain items? Dealers who specialize can teach you a lot about telling the difference between real antiques, reproductions, and fakes.
• Do you carry reproductions? If dealers have reproductions mixed in with antiques, the reproductions should be labeled clearly. If they're not, be careful: Some reproductions are so well done that even experts can have trouble recognizing them for what they are.
• How do you know the item is genuine and not a fake or reproduction?
• How did you determine the price for the item?
• What criteria did you use to identify the item?
• Will you guarantee the authenticity of the item in writing? If the dealer isn't willing to give you a guarantee, don't disqualify the purchase. Many dealers buy items without absolute certainty about their authenticity, but the price should reflect that.
• What is your return policy? A reputable dealer should agree, in writing, to take back anything that was misrepresented.

When you decide to buy an item, get a written receipt that includes the seller's name, address, and phone number; the date; a complete description of the item, including age, origin, any repairs or replacements, the price you paid, and how you paid; and, if the seller claims the item is authentic, a written guarantee.

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
http://www.RelevantPR.com
Mobile: 917 715 8761
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

STATEN ISLAND, N.Y. – Shopping online can save you time, energy and a lot of hassle. However, it is imperative to make safety your top concern whenever you place personal information, such as credit card information, online. Victory State Bank would like to share the following safety tips:

Know who you're dealing with.
Anyone can set up shop online under almost any name. Confirm the online seller's physical address and phone number in case you have questions or problems. And if you get an email or pop-up message that asks for your financial information while you're browsing, don't reply or follow the link. Legitimate companies don't ask for information that way.

Know what you're buying.
Read the seller's description of the product closely, especially the fine print. Words like "refurbished," "vintage," or "close-out" may indicate that the product is in less-than-mint condition, while name-brand items with bargain basement prices could be counterfeits.

Know what it will cost.
Check out websites that offer price comparisons and then compare "apples to apples." Factor shipping and handling into the total cost of your purchase. Do not send cash or money transfers under any circumstances.

Check out the terms of the deal, like refund policies and delivery dates.

Can you return the item for a full refund if you're not satisfied? If you return it, who pays the shipping costs or restocking fees, and when you will get your order? A Federal Trade Commission (FTC) rule requires sellers to ship items as promised or within 30 days after the order date if no specific date is promised. Many sites offer tracking options, so you can see exactly where your purchase is and estimate when you'll get 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
http://www.RelevantPR.com
Mobile: 917 715 8761
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.