Important Information Regarding ChatGPT Charges for First State Bank Customers

For the last several weeks, the banking industry has been experiencing a large number of unauthorized charges from ChatGPT. The security of our customers is top priority at First State Bank. In order to protect you from illegitimate charges, we have set a block on all charges coming from ChatGPT (OpenAI*ChatGPT).

The bank’s standard process for verifying charges will be as follows: 

• Customers will receive a fraud notification via text message from the bank when a suspect charge is presented against their account. Please respond appropriately – Yes or No – to the text.
  • NOTE: Valid text messages from First State Bank will NOT include a web link to validate the transaction or to verify your identity.

• If you do not respond to the text message, a phone call will be placed from the bank’s fraud department questioning validity of the charge.
  • NOTE: First State Bank will never ask for your card number, PIN, CVC, or online banking credentials. DO NOT provide this information to anyone.

If a response is not received from the text or the phone call, the charge will be denied – even if it is a legitimate charge.

We realize this may affect some valid transactions for customers doing business with ChatGPT. If you have a valid charge from ChatGPT that you need to authorize (and you did not respond to the text or phone call), please call our Customer Service Center at (903) 676-1900, or visit your local office, and we can make arrangements to approve the charge for payment.

As a reminder, this is also a good time to ensure the bank has your current contact information on file – phone numbers and emails specifically. Should you need to update that information, please contact our Customer Service Center or your local office.