What is Identity Theft?
Identity theft occurs when your personal information – without your permission is used to commit a crime or fraud. Fraudsters committing these crimes do so in person, on the telephone, electronic communication, and/or using the internet, email or mail. Offenses involving identity theft are on the rise. It’s not “if” your identity will be stolen, it’s “when.”
Do you protect my information?
As part of our ongoing commitment to safeguarding your privacy, we continuously review and strengthen our security program, processes and procedures. Examples of our Identity theft procedures include:
- Require identification and authentication for information requests, account maintenance, and transactions conducted in person and over the phone
- Post strategic warnings online to alert our customers to recent incidents involving email and online fraud schemes
- Manage a vigorous Identity Theft Prevention program to identify and respond to potential red flags of identity theft
- Partner with other institutions in the financial services industry to adopt best practices for fraud prevention
- Provide services, such as our Smart Choice Checking program which offers, as a benefit, extra protection in the occurrence of ID theft
Will you call and ask me for personal information?
We will never contact you via email or phone asking for personal information. Similarly, if you receive a phone call and are not sure it is from the credit union, ask the person their name offer to call them back at our regular number. If you receive a suspicious email, please contact us immediately. In addition, do not click or look at the connecting links.
Can I help protect my financial information?
Working together we can help keep you and your account information safer.
- Review monthly statements.
- Ensure they match your recollection and your other records.
- If you notice discrepancies between your statements and other records, notify us immediately.
- Use SmartLink or mobile online access and check your accounts.
- Avoid Advance Fee Schemes. If it sounds too good to be true, it probably is.
- Never give out account numbers or other personal financial information, unless you can validate the authenticity of the requestor.
- Shred personal and financial information
- Review your credit report. You’re entitled to a free credit report annually. Simply contact one of the three main credit-reporting bureaus:
Equifax® Experian® TransUnion®
800-525-6285 888-397-3742 800-680-7289
www.equifax.com www.experian.com www.transunion.com
Who can I call if I have questions?
Contact us with any questions.
ID Theft is one of the top complaints reported to the Federal Trade Commission.