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Fraud & Security

Important Information About E-mail Fraud and Identity Theft

At State Bank and Trust Company, we value our customer relationships and we are committed to ensuring your privacy. As a customer, you can help us protect your personal information by practicing good security habits, educating yourself about identity theft and reporting any suspicious contacts.

  • Identity Theft is one of the fastest growing crimes in the nation.

    Tips to Help Protect Your Personal Information:

    When using your personal email account, do not include confidential information such as account numbers and Social Security numbers. Use the secure e-mail feature while you are logged into our online banking site.

    Do not give out confidential information over the phone, via text or e-mail unless you have initiated the contact. (A State Bank representative may ask for your online ID, but will never request your online password.)

    Protect your Social Security, Tax ID and account numbers, and use caution when revealing any personal information publicly, including on social network sites.

    Be cautious when selecting PIN numbers and passwords and change passwords on a regular basis.

    The purpose of this information is to familiarize you with the characteristics of e-mail fraud and identity theft. To learn more about protecting yourself against these crimes, you may visit the following links:

    FDIC Consumer Assistance
    Identity Theft


    Please feel free to contact us if you have any questions.


  • A new form of Internet and email fraud is “phishing” or “spoofing.” These fraudulent emails aim to steal your personal information by appearing to be a legitimate email from State Bank (it may even include the bank’s logo or design). 

    What to look for:

    • Urgent requests for personal information. These emails try to get you to share sensitive information (such as your account, Social Security number or password).  They will try to send you to a phony site, have you reply to the email or even ask you to call a phone number. Know that State Bank will never ask you to reply to an email with any of your personal information, and you should not send such information in an email to any party. 
    • Unrealistic offers. If it sounds too good to be true, then double check with your banker. Chances are, the offer they are claiming doesn’t even exist.
    • Typos and fraudulent sender.  Simple typos or grammar errors are signs of fraudulent content. Keep a sharp eye out for these kinds of errors, awkward wording and poor visual design. Also, fraudulent senders can be revealed if you hover your mouse over the “From” link at the top of the email. 

    Protect yourself

    If you receive an email you are unsure about, please contact State Bank for further guidance.

    • Forward the email to or call us at 800.414.4177.
    • Delete any suspicious emails and do not click on any links.

    Ensure you are on the real State Bank site prior to logging in.

    State Bank understands your privacy is important and we will never ask you to provide confidential information over the telephone, via postal mail or in email.

  • Malware is a term for any software that gets installed on your machine and performs unwanted tasks, often for some third party's benefit. It is designed to infiltrate or damage a computer system, steal personal information and commit fraud. Additionally, some malware programs are designed to transmit information about your web-browsing habits to advertisers or other third party interests without you knowing.

    Minimize your risk by taking these steps:

    • Never download any file or attachment unless you know the sender and are certain they provided it.
    • Never click on an advertisement that asks for personal or financial information.
    • Update your security and system software to protect your computer from malware threats (with products such as Trusteer Rapport).
  • What is Rapport?

    Rapport is security software that protects your online banking communication from being stolen by criminals. Rapport is highly recommended by State Bank as an additional layer of security to any anti-virus or security software you already use. By protecting your internet connection and creating a tunnel for safe communication with your online banking website, Rapport blocks malicious attempts to steal money from your account.

    What’s at Stake?

    Criminals are after your money and identity. Inevitably, your online bank account has access to both. If criminals manage to access your online bank account, they can not only access your private information but also transfer money out of your account. Even though State Bank has taken various measures to protect you against this threat, one of the biggest risks is actually the computer you use to bank with. Here are two sophisticated attacks that criminals use to access your online bank account using your computer:

    • Malicious software (or malware) - automatically and silently downloaded onto your computer when you browse the Internet, malware silently captures your login information and transfers it to criminals as you log-in to a bank’s website. It is also capable of silently changing the transactions you execute as directed by criminals

    • Phishing - criminals build fake websites that look very similar to your bank’s website. They do this to lure you into visiting these fake websites and submitting your online banking log-in information. This data is later used to access your online bank account

    Why Your Current Computer Security is Not Enough.

    It takes days or even weeks for anti-virus vendors to identify and remove new variants of financial malware. Until they manage to do so, the malware is still undetected on your computer. Cyber criminals can attack your bank account minutes after you get infected with financial malware and way before this malware is detected and removed by your anti-virus.

    Trusteer Rapport Is Another Layer of Protection.

    Trusteer Rapport takes a unique approach that adds real value on top of your current security software. When you connect to your bank online, Rapport does 3 main things in the background to make it extremely difficult for criminals to target you:

    1. Rapport verifies that you are really connected to the bank’s genuine website as opposed to a fake website created by criminals. Although this sounds trivial, it’s not obvious that you reach a genuine website when you type your bank’s address into your web browser

    2. Once verification is complete, Rapport locks down communication between your computer and the bank’s website. This prevents criminals from hijacking your online connection with the bank

    3. Rapport protects your computer and internet connection by creating a tunnel for safe communication with your bank, preventing criminals from using malware to steal your log-in data and tamper with transactions.

    Compatible with Your Current Security Software.

    Rapport works alongside your current security software to provide comprehensive protection when you bank online. Rapport also communicates with the bank’s security systems. This allows State Bank to better use its security systems to protect your online account and block malicious attempts to steal money from your account.

    Available at No Cost to You.

    Trusteer Rapport is available to you at no charge. State Bank covers all costs associated with the development, maintenance and support of Trusteer Rapport.


    Over 100 banks and 20 million customers are already using Rapport today to prevent online fraud. Trusteer, the security experts behind Rapport, make every effort to ensure Rapport remains constantly updated with the ability to protect you against new and emerging security threats.

    Easy to Use.

    1. Click the “Log In and Download” link below to log in to your Online Banking account and be prompted to install Trusteer Rapport on your computer. This only takes a couple of minutes. A short video demonstrating how to install is available here.

    2. Click “next”, “yes” and “continue” when prompted, until installation is complete. There’s no need to restart your computer once the process is complete

    3. Once installed, a small Rapport icon will appear next to your browser’s address bar as seen in the picture below. This icon is green when you are on a website protected by Rapport, and grey when you are on a website that is not protected by Rapport. The icon is for your information only and does not require any action from your end

    4. When you first log onto your bank account after installing Rapport, you will see a message asking you to approve the protection of your online banking login information. From there on, Rapport works in the background and only pops up if a security risk is identified

    Ready to Download?

    Go to Trusteer to get started. In the space for Bank Name, use the drop down menu to select "State Bank & Trust Georgia."

    Want to Know More?

    Our Client Care team can answer your questions between 8:30am and 7:00pm M-F and on Saturday from 8:30-12 Noon. Call us at 800.414.4177. Or view Trusteer's Frequently Asked Questions here.