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Privacy Policy

Protect Your Account

Identity theft happens when someone uses your name, account number, social security number, or other personal information to obtain credit cards in your name, access funds in your deposit accounts, or commit fraud or other crimes. This information can be obtained by sorting through trash or mail or by getting people to provide personal information online.

“Skimming”, the scam perpetrated on debit, credit, and ATM cardholders, has been around for years, but the technology is constantly evolving. Card Skimming is the copying of your personal information from the magnetic strip on your credit, debit, or ATM card into an electronic card reader device, called a skimmer, which may be found on gas station pumps and even on some ATMs. Once the scam artist gets your information, they can commit identity theft fraud.

Phishing is where scammers send out e-mails that look as if they come from legitimate financial institutions. To increase the chances of people falling for this type of scam, they'll even use the company's logo, colors, and standard disclosure text. The e-mails usually will contain a link that takes you to a fake site made to look like the company's legitimate Web site. They may ask recipients to confirm their financial information. Remember, we will never contact you by email or phone and ask for personal or account information. If you are unsure about an email, delete it.

Here are some other helpful tips on protecting your account:

  • Shred papers with credit card or bank account numbers, Social Security numbers, and any other personal information.
  • Don't record your Social Security number on any document, unless legally required.
  • Check your credit report once a year for free to make sure it doesn't have accounts you don't know about.
  • Check your monthly statements or online accounts for any fraudulent activity.
  • When using an ATM or a gas pump, make sure the card reader is part of the machine and not “added on.”
  • When accessing your online accounts, use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly.
  • Use strong passwords. These are at least seven characters in length, use numbers and letters, are case sensitive, and use at least one special character (ex. !@#$%&)

Practice these five guidelines from ConsumerReports.org to protect yourself from mobile fraud:

1. Secure login. Make sure you are logging in to a secure mobile site when using your phone's Web browser to access mobile banking sites. Look for indications on your browser that the site is secure, such as a lock symbol or "https" at the beginning of the site's web address.
2. Trusted apps. Only allow trusted applications the ability to send text messages or update social networks. Unworthy apps may initiate fraudulent messages or spam, and add charges to your cell phone bill.
3. Public Wi-Fi. Never conduct mobile banking, e-commerce, or other business involving user names, passwords, or other personal information on a public Wi-Fi network. Criminals may be able to capture login and password information.
4. Reliable source. Avoid downloading spyware, which may accompany an application by obtaining your smart phone applications from a trusted source. Cell phone spyware can seize personal information including messages, conversations, and, via GPS coordinates, even your location.
5. Security software. Purchase and install security software on your cell phone. Security Software for your phone may help you find your cell phone if misplaced, allow you to delete data if the phone is lost, and prompt you to remove malicious software.

Check your credit report today

You can obtain your credit report for free at annualcreditreport.com once, every 12 months.
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