Consumer Awareness

At HomeStar Bank & Financial Services, we have no higher priority than the security and privacy of your financial information. We maintain physical, electronic and procedural safeguards that comply with federal standards to protect your personal information. HomeStar continually monitors and reviews all of its security protection measures. As new technology or improved practices become available we will adopt those that we believe may improve the security of your confidential financial information.

Use caution when discussing your private information. Be certain you are working with a legitimate business. If you have ANY questions regarding HomeStar always call (815) 468-2265 and speak to a Customer Service Representative.

HomeStar also wants to help you protect yourself against crimes targeted against consumers such as Identity Theft and E-mail "Phishing". The following information is to help you protect yourself from Identity Theft, including steps to take if your identity has been compromised.

Identity Theft

What is Identity Theft?

Identity theft occurs when someone illegally obtains your personal information, such as your Social Security Number, Credit Card Number, Bank Account Number, or other identification and uses it to open accounts or initiate transactions in your name.

More Info

E-mail and Website Fraud (Phishing)

One of the most common types of e-mail fraud is sending a phony e-mail message that directs the recipient to a fraudulent website. These e-mail's can look very convincing. There are some common features among many of these types of e-mail.

  • Urgent appeal.
    The message may threaten some consequence if you do not respond.
  • Request for Information.
    There may be a request to update or validate certain personal information.
  • Typos and errors.
    Often the message is poorly written or has spelling errors within the message.

How to Prevent Being Phished

  • Don't reply to any suspect or suspicious e-mail, even if it seems urgent.
  • Don't click on links inside of e-mail
  • Don't call telephone numbers from e-mail. Instead call the number on the company website, phone book, statement, or back of a Credit/DebitCard.

How You Can Protect Yourself:

  • Secure your computer. Ensure that you have anti-virus and anti-spyware software and a personal firewall installed on your computer. There are many of these products available that will help you protect information on your computer or while using your computer.
  • Always look for the lock icon on websites where you are submitting any private or personal information. You can also look for the s in "https" at the beginning of the address indicating a secure page.
  • Destroy private records and statements when you are done with them. Tear, cut, shred, or burn paper items.
  • Never give out checking account, credit card or Social Security numbers to any unknown caller or unsolicited contact.
  • Expect your monthly financial statements and bills. If you do not get them when expected, contact the sender and ensure that they were sent and that the address is still correct.
  • Review your Bank and financial statements. Verify all transactions were legitimate.
  • Do not reply to, or click on, a link in an e-mail that warns you, with little notice or prior legitimate expectation, that an account of yours will be shut down unless you confirm billing or other account information. Instead, contact the company cited in the e-mail by using a telephone number or other form of communication that you are sure is genuine.
  • Make a photocopy of information in your wallet. Including both sides of your drivers' license and any credit, ATM, debit or merchant cards you carry with you.
  • Review your Credit Report annually. By law you can receive a free credit report each year. Look through the report carefully to see if there is any suspicious activity. If so, contact your credit card company immediately. This report can be requested online at, via telephone at 
    877-322-8228, and via mail at:
    Annual Credit Report Request Service
    P.O. Box 105281 
    Atlanta, GA 30348.5281.
    (There is a specific form for the request available on the website).

What to do if You Become a Victim of Identity Theft

If you believe that you have been the victim of identity theft. The following actions will help minimize your exposure.

HomeStar customers should contact us immediately at 815-468-BANK (2265). We will secure your HomeStar accounts and help with an identity theft toolkit for other financial relationships.

Additional Information

For more information on Identify Theft and other account fraud you can visit the following websites:


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1-815-468-BANK (2265)