ATM/NIGHT DEPOSITORY SECURITY
Your safety is very important to us. When using an ATM… please read over these few brief overviews of some important ways you can help ensure your security while enjoying the convenience of the Automated Teller Machine or Night Depository.
• LOOK FOR WELL-LIGHTED AREAS AND STAY ALERT
Only use ATM’s that are well-lighted and if you see anything suspicious, go to another ATM.
• STAY AWAY FROM ISOLATION
Keep in sight of other people and/or have someone accompany you, especially after sundown.
• LOCK VEHICLE DOORS AND ROLL UP WINDOWS
When using a drive-up ATM, only roll down your window to make the transaction.
• TAKE YOUR KEYS WITH YOU WHEN YOU LEAVE THE CAR
A running vehicle and/or keys in the ignition are too inviting.
• PERSONAL IDENTIFICATION NUMBER - PIN
This number is your very own! Guard it!!! It is best to memorize your number and not write it down. If you must write the number down, keep it in a a separate place from your card.
• COUNTING YOUR MONEY
This should be done only after you are in the safety of your vehicle and the doors are locked.
• SAVE YOUR RECEIPT
Do not leave your receipt at the ATM and always check your statements for any discrepancies.
• STAY ALERT
Watch for suspicious activity around the Night Depository. If you notice anything suspicious, do not make your deposit. Leave and notify the police.
• DEPOSITING YOUR BAGS
Do not deposit more than one bag at a time. Most depositories can only handle one at a time.
• IF YOU ARE APPROACHED
If someone approaches you and demands money at an ATM or a Night Depository, do not resist. Try to remember everything you can about the incident and report it immediately to the police.
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What is identity theft?
Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.
No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But, there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft and what to do if you do become a victim.
- Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with
- Don't carry your Social Security card with you∙∙∙ leave it in a secure place! Carry only the identification, credit and debit cards that are needed
Don't put your address, phone number or driver’s license number on credit card sales receipts
Social Security numbers or phone numbers should not be put on your checks
Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks, bank statements, expired charge cards that you're discarding and credit offers you receive in the mail
Secure your credit card, bank and phone accounts with passwords. Avoid using easily available information like your birth date, the last four digits of your SSN or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead
Secure personal information in your home, particularly if you have roommates or hired outside help
Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold
Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records
Before revealing any personally identifying information (for example, on an application), find out how it will be used, secured and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?
Check your credit report:
Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized. The law allows credit bureaus to charge you up to $9.00 for a copy of your credit report.
By checking your report on a regular basis, you can catch mistakes and fraud before they wreck havoc on your personal finances. Don't underestimate the importance of this step.
Equifax - www.equifax.com
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285
Experian - www.experian.com
To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)
TransUnion - www.transunion.com
To order your report, call: 800-916-8800
To report fraud, call: 1-800-680-7289
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PROTECT YOURSELF AGAINST PHISHING:
Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These ask customers to verify personal information or link to counterfeit websites that appear real.
Watch for emails that:
- Urge you to act quickly because your account may be suspended, closed or to update your personal information
- Don't address you by name: but, use a more generic one like "Dear valued customer"
- Ask for account numbers, passwords, Access IDs or other personal information.
The Bank will NEVER ask for sensitive information such as: account numbers, Access IDs or passwords via email.
Tips for safeguarding your information:
- Don’t give your Social Security number or other personal credit information about yourself to anyone who calls you
- Tear up receipts, bank statements and unused credit card offers before throwing them away
- Keep an eye out for any missing mail
- Don’t mail bills from your own mailbox with the flag up
- Review your monthly accounts regularly for any unauthorized charges
- Order copies of your credit report once a year to ensure accuracy
- Do business with companies you know are reputable, particularly online
- Don’t open email from unknown sources and use virus detection software
- Protect your PIN (don’t carry them in your wallet!) and passwords. Use a combination of letters and numbers for your passwords and change them periodically
- Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.
TransUnion: (800) 916-8800
Experian: (800) 301-7195
Equifax: (800) 525-6285
If you become a victim, contact:
- The fraud departments of the three major credit bureaus
- The creditors of any accounts that have been misused
- The local police to file a report the bank to cancel existing accounts held in your name and re-open new accounts with new passwords.
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USA Patriot Act
To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you:
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license and other identifying documents.
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