Education Center

Identity Theft

What is identity theft?

Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.

The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.

The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.

Online Security

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips

At Home

Out of the Home: Shopping and Services

Check Your Credit Report

If there is any incorrect information in the records, contact the credit bureau, creditor, employer, or government agency immediately. Follow up with a letter describing what actions were taken. Your protections are usually stronger if you report the problem quickly and in writing.

Many people don't realize they are victims of identity theft until long after the initial crime occurred. Identity thieves often try to hide the crimes for as long as possible so that they can access more money. To stop the crimes as soon as possible, make sure you carefully check your credit reports regularly. Your credit reports are important tools for limiting the amount of damage a thief can cause.

Credit Bureaus

Equifax 
Order Report: (800) 685-1111 
Report Fraud: (800) 525-6285 

Experian
Order Report or Report Fraud:
(888)-397-3742 

Transunion
Order Report: (800) 916-8800 
Report Fraud: (800) 680-7289

Phishing

What is phishing?

Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These ask customers to verify personal information or link to counterfeit Web sites that appear real. Often these emails request that you click on links that will redirect you to a fraudulent website. This site is often a direct replica of the Internet banking log-on screen. Once you’ve entered your details on the fake website the fraudsters then use your log-on details to defraud you. Although it appears as though the institution being mimicked is at fault, these businesses have nothing to do with these criminal acts.

Protect Yourself Against Phishing

Watch for emails that:

Tips to prevent against Phishing:

Beware of pop-ups and follow these tips:

Also, beware of phone phishing schemes. Do not divulge personal information over the phone unless you initiate the call. Be cautious of emails that ask you to call a phone number to update your account information as well.

If you become a victim, contact:

The Bank is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, please ask for a copy of our privacy policy or click on the link in our website.

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