Reporting Fraud

This 24 Hour Fraud Resource is designed to guide you on how to report fraud on your account, contacting BOS, and steps you can take now.

If you’re experiencing fraud on your account, including unauthorized transactions, stolen cards, or your account has been accessed, there are steps you can take through your BOS Online and Mobile Banking account before calling the bank.

 

Scammers know that your bank is trying to protect you from fraud and imitate our communication in an attempt to take advantage of you. We are committed to keeping your personal information safe and secure and it’s important that you’re taking the necessary precautions to do the same.

If Your Online Banking Is Compromised

Examples include:

  • Someone has your login and password.
  • Your computer has a virus or malware, and your account information may be compromised

Action: Update your user ID and password in BOS Online Banking or the Mobile App. Navigate to Main Menu within your account and select Profile to view the User ID and Password options.

  • You gave out your account credentials and multi-factor authentication code

Action: Please call us immediately at 800-789-0511.

If Your BOS Debit Card Is Compromised

Examples include:

  • You gave out your debit card number.
  • You used your debit card on a fictitious site.
  • Your debit card is lost or stolen.
  • There are unauthorized transactions on your debit card.

Action: Disable your debit card in BOS Online Banking or the Mobile App to temporarily prevent unauthorized purchases or call 800-789-0511.

To replace your BOS debit card, please visit your local BOS branch or contact us during normal business hours at 877-698-3278.

  

If You Believe Your Identity Has Been Stolen

Action: Place a credit freeze via the three main credit reporting bureaus: Equifax, TransUnion, and Experian. You should also contact the merchant where the fraud occurred and notify BOS on the next business day so we can make a note on your account. Identity Theft can also be reported to the Federal Trade Commission at IdentityTheft.gov.

 

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NOTICE OF ERROR RESOLUTION PROCEDURES

You may have certain rights under Federal Law related to resolving loan servicing errors and requesting information about your account. You may learn more about these rights by contacting BOS at 877-698-3278. A written notice of potential loan servicing errors must be asserted to Bank of Springfield, P.O. Box 19301, Springfield, IL 62794-9301. The written notice is required to include the name of the borrower, account number, and description of the error believed to have occurred.

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