Help protect yourself from fraud and identity theft with these tips:
- Review your accounts each day through Online Banking. Report any discrepancies to the bank right away.
- Set up your email or text alerts to get notified when transactions post or your balance reaches a threshold.
Computer & Online Security
- Set your computer to install updates (Windows or Mac) automatically.
- Install a comprehensive anti-virus program. Set it to scan your computer & update itself automatically.
- Never use a public computer (such as at a hotel or airport) to access Online Banking or other site which contains your personal information.
- Avoid clicking links within emails unless you are sure where the email came from. Consider calling the sender to verify. Scammers use emailed links to redirect you to fraudulent websites.
- Rather than just closing the browser, always click the Log Off button when done with a website.
- Never respond to emails asking for your user ID, password, social security number, or other sensitive information.
- Connect only to known WiFi networks that require a password.
- Create complex passwords that contain as many characteristics as possible: lowercase letters, uppercase letters, numbers, and symbols.
- Avoid creating passwords from commonly known information, such as your birthday, pet’s name, job, etc or from information that can be obtained from social media.
- Don’t store your passwords in an obvious place, such as under a keyboard.
- When given the choice to setup a password, such as for your mobile device, always choose to do so.
- Respond to a password reset email only if you recently requested login assistance.
Additional Considerations for Businesses
- Perform background checks before hiring employees.
- Promptly remove physical or system access for former/terminated employees.
- Promptly review bank statements even if your accountant/office manager reviews them.
- Consider dual control for high-risk transactions such as wires and ACH.
- Periodically rotate employee duties.
Federal law requires each of the three credit bureaus to give you a free credit report every 12 months. You must request the reports to receive them. Visit www.annualcreditreport.com for more information.
Federal Trade Commission
Visit the Federal Trade Commission’s Consumer Protection site for great resources on how to: Report Identity Theft, Avoid Scams, and much more. https://www.ftc.gov/faq/consumer-protection
FBI Internet Crime Complaint Center (IC3)
If you've been the victim of an internet crime, visit the FBI's IC3 site for information on how to file a complaint. https://www.ic3.gov