Identity Theft
Identification thieves steal personal information, such as a credit card account number, Social Security number or driver's license number. Then, they open accounts in a consumer's name and run up charges on the account, or they use the personal information to charge goods and services to a consumer's existing accounts.
The harm to a consumer's credit and daily life can be devastating. Victims of ID theft often have trouble getting new credit cards or loans because of the damage to their credit rating.
The most common types of identity theft are:
- Using or opening a credit card account fraudulently
- Opening telecommunication or utility accounts fraudulently
- Passing bad checks on your account or opening a new bank account using your identity
Guidelines to minimize your risk
Minimize the identification information and the number of cards you carry.
- Sign your credit cards immediately
- Promptly remove mail from your mailbox – deposit outgoing mail at the post office or post office collection boxes
- Do not attach a PIN or Social Security number to any of your cards
- Shred documents that contain credit card numbers, invoices, old bank statements, and the unwanted pre-approved credit offers
- NEVER give personal information or account numbers to anyone online or by phone unless you know the party you are dealing with
- Alert your bank or cardholder if you do not receive your statements. (Someone could have taken them from your mailbox or could have filed a false change of address notice so your mail would be diverted).
- Do not pre-print your driver's license or Social Security number on your personal checks
- Check your credit report periodically to monitor that new accounts have been opened, there has not been a change of address, or balances have not increased without your authority
If you suspect that you are a victim of identity theft
Quick action is the key. The following are some steps you should take in case you become a victim of identity theft:
- Contact the fraud departments of each of the three major credit bureaus and report that you have been a victim of identity theft. Ask that a "Fraud Alert" be placed on your file and that no new credit be granted without your approval.
- For any accounts that have been fraudulently accessed or opened, contact the Credit Grantor or Financial Institution and request these accounts be closed. If you open new accounts, do not use passwords that contain a Social Security number or mother's maiden name.
- File a report with local police. Get the report number or a copy of the report for proof of crime.
Call the identity theft clearinghouse toll-free at 1-877-IDTHEFT (877-438-4338) to report the theft. Document these contacts with dates, names, and phone numbers for your records. The web site for identity theft is www.consumer.gov/idtheft, the central point of contact within the Federal Government for reporting incidents of identity theft.
Our Security Procedures
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.
Our Web Site
When visiting our web site, you do so without revealing who you are and without revealing any nonpublic personal information. However, by using the email feature on our web site to contact us, you are sending us your email address and perhaps other information that typically might include your name, mailing address and any other information that you might include in the email itself.
Unless otherwise indicated, your email transmission, and our response, are not secure and may be subject to interception. We ask that you do not send confidential information to us via email. If you want to send us nonpublic personal information like account or Social Security numbers, you should call us, send the information by regular mail or visit one of our branch offices. We will not obtain nonpublic personal information about you when you visit our web site unless you have chosen to provide such information to us. The information that you choose to send us by email is used internally only for the purpose of meeting your request or for contacting you directly. This information is not shared with any other organization.
Online Transactions
We utilize stringent security methods to ensure that your online banking and bill paying transactions remain secure and confidential. These methods include routers, firewalls, encryption, and password protection.
Use of Financial Calculators
When visiting our web site to use our financial calculators, the work and calculations that you perform are not stored in our records.
Hyperlinks
Links to other web sites from our web site are provided only as a convenience to you. We are not responsible for the content or accuracy of third-party web sites. They may collect data and personal information about you and you should review that privacy statement of a web site before you provide any personal or confidential information.
We reserve the right to change this policy at any time, without prior notice, by posting a new privacy policy.