Our Online Banking system utilizes a comprehensive
security strategy to protect accounts and transactions conducted over
the Internet. In addition to a security login, we use SSL (secure socket
layer) encryption technology for everything done in the system. Your
browser automatically activates this technology when it connects to our
Online Banking System and will support 128-bit key lengths.
Whenever SSL is securing your communications, the
browser typically indicates the “secure session” by changing a small
padlock icon at the bottom of the screen from open to locked. This means
your communications will be encrypted as they are carried over the
Internet, and that no unauthorized party can read the information as it
is being transmitted.
Identity theft is a growing problem, but there are
certain things you can do to help keep your personal information safe.
Below are different ways to deter, detect and defend yourself against ID
The Federal Trade Commission (FTC) wants you to fight
back against identity theft. So please visit their website at
www.ftc.gov/idtheft for more information.
Identity theft is a serious crime. It occurs when your
personal information is stolen and used without your knowledge to commit
fraud or other crimes. Identity theft can cost you time and money,
possibly even destroy your credit and ruin your good name. To help deter identity thieves and safeguard your
information, keep the following tips in minds.
Shred financial documents and paperwork
before you discard them.
Protect your Social Security number (SSN).
Don’t carry your Social Security card in your wallet or write your
SSN on a check. Always ask to use another form of ID and only give
your SSN out if absolutely necessary.
Don’t give out personal information over the
phone, through the mail or over the Internet unless you know who you
are dealing with.
Never click on links sent in unsolicited
e-mail; instead, type in a Web address you know. Use firewalls,
anti-spyware and anti-virus software to protect your home computer;
and always keep them up-to-date. Visit
Don’t use an obvious password like your birth
date, your mother’s maiden name or the last four digits of your
Social Security number.
Keep your personal information in a secure
place at home, especially if you have roommates, employ outside help
or are having work done to your house.
Detect suspicious activity by routinely monitoring your
financial accounts and billing statements.
Be alert to signs that require immediate attention,
Bills that do not arrive as expected
Unexpected credit cards or account statements
Denials of credit for no apparent reason
Calls or letters about purchases you did not make
Inspect your credit report
Credit reports contain information about you, including what
accounts you have and your bill payment history.
The law requires the major nationwide consumer reporting
companies—Equifax, Experian and TransUnion—to give you a free copy of
your credit report each year if you ask for it.
Visit www.AnnualCreditReport.com or call 1.877.322.8228,
a service created by these three companies, to order your free credit
reports each year. Or write: Annual Credit Report Request Service, P.O.
Box 105281, Atlanta, GA 30348-5281.
Inspect your financial statements
Review financial accounts and billing statements regularly. Pay
special attention to any charges you suspect that you did not make.
As soon as you suspect that you may be a victim of
identity theft, defend yourself immediately.
Place a “Fraud Alert” on your credit reports and
review them carefully
The alert tells creditors to follow certain procedures before they
open new accounts in your name or make changes to your existing
accounts. The three nationwide consumer reporting companies have
toll-free numbers for placing an initial 90-day fraud alerts on your
Placing a fraud alert on your credit report entitles you
to free copies. Look for inquiries from companies you haven’t contacted,
accounts you didn’t open and debts on your accounts that you can’t
Close any accounts that have been tampered with or established
Call the security or fraud departments of each
company where an account was opened or charged without your okay.
Follow up in writing, with copies of supporting documents.
Use the ID Theft Affidavit at
support your written statement.
Ask for verification that the disputed account has
been closed and the fraudulent debts discharged.
Keep copies of documents and records of your
conversations about the theft.
File a police report
File a report with law enforcement officials to help you with creditors
who want proof of the crime.
Report theft to the Federal Trade Commission
Your report helps law enforcement officials across the country in
There are three ways to report identity theft:
1) Report online:
2) Report by phone: 1.877.ID.THEFT (438.4338) or TTY,
3) Report by mail: Identity Theft Clearinghouse, Federal
Trade Commission, 600 Pennsylvania Ave., NW, Washington, DC 20580
Skilled identity thieves use a variety of methods to
steal your personal information, including:
Dumpster Diving. Rummaging through trash
looking for bills or other paper with your personal information on
Skimming. Stealing credit/debit card numbers by
using a special storage device when processing your card.
Phishing. Pretending to be financial institutions
or companies by sending spam or pop-up messages to get you to reveal
Changing Your Address. Diverting your billing
statements to another location by completing a “change of address” form.
“Old-Fashioned” Stealing. Stealing wallets and
purses; mail (including bank and credit card statements); pre-approved
credit offers; and new checks or tax information. Thieves may also steal
personnel records from employers or bribe employees who have access to