To keep our customers protected and to provide valuable services, we've partnered with IDShield. From detection to resolution, you'll feel comforted knowing that you have the expertise needed to help protect yourself against identity theft and resolve any issues related to it.
You are able to self-enroll in the individual or family IDShield plans, with a discounted group rate.
Identity theft occurs when thieves obtain and use personal information - such as social security numbers, bank and credit card account numbers, your income, your name, address and phone numbers - to commit fraud or theft. Surprisingly, many cases of identity theft are committed by someone the victim knows. This is why it is important not to share confidential information, such as passwords, with anyone.
Identity theft is a serious crime. Victims may be left with a tainted reputation and credit record, in addition to financial losses. Working to restore your good name is a complicated task, which can take a great deal of time, particularly if the identity theft goes undetected for an extended period of time.
We have strict procedures for protecting and monitoring your information when it is in our care. We never require you to send personal information to us via e-mail. We urge you to be just as vigilant when sharing or managing your own information.
The good news is that there are many things you can do to make yourself less of a target.
Toll Free: 877-322-8228
Monitor the balances of your financial accounts; look for unexplained charges or withdrawals. Review your credit report at least annually; look for accounts which you did not open. Other things that could indicate identity theft include: failing to receive bills or other mail, which could indicate an address change by the thief; receiving credit cards for which you did not apply; denial of credit for no apparent reason; or receiving calls from debt collectors or companies about merchandise or services you didn’t buy.
More information about preventing identity theft is available online at http://www.ftc.gov/bcp/menus/consumer/data/idt.shtm.
Accounts: Contact your credit card companies and your financial institutions and close your accounts. The FBI suggests that you put passwords (not your mother's maiden name) on any new accounts you open.
Credit Bureaus: Immediately call one of the three major credit bureaus to tell them your identity has been stolen. Request that a "fraud alert" be placed on your file and that no new credit be granted without your approval.
TRANS UNION: 800-680-7289
Creditors: Obtain a copy of your current credit report. Review it to identify any accounts that may have been opened or used fraudulently. Contact all creditors with accounts that have been set up or used fraudulently, by phone immediately, then in writing. You many obtain one free credit report every 12 months.
Law Enforcement: Report the crime to your local sheriff or police department. Get a copy of the report in case you need proof of the crime later for credit card companies, etc.
Debt Collector: If a debt collector attempts to require you to pay on fraudulent credit accounts, ask for the name of the company, the name of the person contacting you, phone number and address. Tell the collector that you are a victim of fraud and are not responsible for the account. Ask the collector for the name and contact information for the referring credit issuer, the amount of the debt, account number and the dates of the charges. Ask if they need you to complete their fraud affidavit form or if you can use the Federal Trade Commission form. Follow up in writing to the debt collector explaining your situation, include the completed fraud affidavit, and ask that they confirm in writing to you.
Stolen Checks: If your checks stolen or used fraudulently, notify your bank immediately. Put stop payments on any checks that were stolen. Complete the bank’s fraud affidavit for any fraudulent checks. Close your checking account and obtain new numbers. Report it to the appropriate check verification companies.
ATM / Debit Cards: If your ATM or debit card has been stolen or compromised, report it immediately.
Fraudulent Address Change: Notify the local Postal Inspector if you suspect an identity thief has filed a change of your address with the post office or has used the mail to commit fraud.
Social Security Fraud: If you suspect social security number misuse, such as for benefit fraud, call the Social Security Fraud Hotline: 800-269-0271.
Contact the Federal Trade Commission (FTC) theft hotline: 1-877-438-4338
If you believe you are a victim of identity theft or fraud, take these steps immediately.
More information about Identity Theft can be found below.
You should notify us immediately if your Debit or ATM card becomes lost or stolen.
During regular business hours, 8:00am – 4:30pm, Monday – Friday call: 888-249-0606
Before or after business hours, weekends, and holidays call: 800-472-3272
Software that is intended to be harmful to a computer. Malware could be a virus, worm, Trojan horse, spyware or adware. Some malware is designed to gather information from your computer or log your keystrokes to gain information such as usernames and passwords.
It is important to have anti-virus/anti-malware software installed on your computer and keep it up-to-date in order to detect and block these types of threats.
A form of online fraud that redirects a website’s traffic to a bogus website. The fraudulent website will look very similar to the legitimate website.
It is important to pay attention to the website address you are on before entering any information.
An attempt to collect personal information such as usernames and passwords by an attacker claiming to be a trustworthy source. Phishing scams are generally initiated through an official-looking email that asks the victim to urgently click on a link and provide personal information. Other phishing scams originate in an email that asks the recipient to call a phone number to verify information. Often times the caller reaches an automated voice response system that asks them to provide personal identifying information.
Legitimate banks and other financial institutions will not ask you to provide usernames and passwords. If you have any doubts or concerns about information that is being requested, contact your financial institution.
For more information about pharming or phishing, please visit http://www.bos.frb.org/consumer/phishpharm/index.htm.
Similar to Phishing, but conducted via telephone rather than through email. The caller will claim to be from a trustworthy source and attempt to gain personal information.
A way of manipulating people to share their personal information. This may be someone posing as a trusted source or it may be someone who uses intimidation or fear to gain information.
For additional information on common scams, please visit http://www.fbi.gov/scams-safety/fraud.