Fraud & ID Theft Prevention
FINANCIAL IDENTITY THEFT
Keep Your Financial Identity Under Lock and Key
Because your privacy is important to us, here are some steps that you can take to keep personal information about you secure. The steps provided below may not pertain to your specific account with us.
- Never give out your Social Security Number or personal credit information over the phone unless you initiate the call.
- Tear up or shred receipts, bank statements, and unused credit card offers. Don't leave your ATM or credit card receipt in public trash cans.
- Keep track of your mail. If a statement, check, or bill is missing, it is possible that someone may have changed your billing address. Contact that service provider immediately. And when you mail bills, don't leave them in your mailbox, drop them off at the post office or place in a United States Postal Mailbox.
- Only share your credit card or other personal information when you're buying from a company you know and trust, especially on the Internet.
- Walk away from any company that doesn't clearly state its name, physical address and telephone number. A Web site alone or a post office box should raise suspicions.
- Don't rely on oral promises. Get all promises in writing and review them carefully before you make any payments or sign any contracts. Read and understand the fine print in any written agreement.
- Never pay "up-front" for a loan or credit. Remember that legitimate lenders never "guarantee" a loan or credit card before you apply, especially if you have bad credit, no credit, or a bankruptcy.
- Only carry credit cards you need and never carry your social security card, passport or birth certificate unless you need it that day.
- Make sure bills you are expecting to receive arrive on time.
- Don't write PIN numbers on ATM cards. Don't write your social security number or credit card number on checks.
- Review your credit report annually, and report and correct mistakes.
- Report any suspected fraud to us immediately, and notify the fraud divisions of the three major reporting bureaus: Trans Union (800)916-8800, Experian (888)397-3742, and Equifax (800) 525-6285.
If you ever have questions or concerns about the privacy of your account information, please telephone us at (609) 466-2900. You may also write us or stop by any of our offices and discuss your questions. Thank you for your business. We look forward to doing business with you for a long time to come.