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Security Schuyler Savings Bank
Your security is paramount at Schuyler Savings Bank – we want to help you guard against disclosure of your personal information that could lead to identity theft. We proudly comply with Federal Privacy and Information Security Laws, which includes physical, electronic and procedural safeguards to protect your private information. At Schuyler Savings Bank, we vigilantly look for any “red flags” of signs of identity theft when you open an account or request a loan from us. We search for inconsistencies, irregularities or other clues that indicate that your account might be subject to identity theft.
What is Identity Theft?
Identity theft is a serious problem. 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. It can destroy your credit and ruin your good name.
How does Identity Theft occur?
Your identity can be stolen in a variety of ways:
- Loss or theft of your wallet, purse, or credit card.
- Theft of your mail
- “Dumpster diving” through the trash
- “Shoulder surfing” – looking over your shoulder when you are entering a PIN or Password.
- Scam phone calls where a stranger asks for personal or financial information
- Providing personal or financial information online to an unverified source.
- Phishing and spyware
- Computer hacking
What are some of the warning signs that I am a victim of identity theft?
- Bills do not arrive as expected
- Unauthorized charges appear on your checking account or credit card statement
- Unexpected credit cards or account statements
- Accounts appear on your credit report that you did not open
- Denials of credit for no apparent reason
- Calls or letters about purchases you did not make
- Calls from collection agencies
What steps can be taken to reduce the risk of Identity Theft?
- Shred financial documents and paperwork with personal information before you discard them.
- Protect your social security number. Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary or ask to use another identifier.
- Never click on links sent in unsolicited emails; instead, type a web address you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep up-to-date.
- Use the most current operating system and Web browser for the most secure connection.
- Use secure sites when shopping and banking online. Look for an “s” following the http portion of the Internet address (https ://) in your navigation bar. Also, look for an image of a padlock in the lower right-hand corner of your internet browser.
- Don’t use an obvious password like your birth date, your mother’s maiden name, or the last for digits of your Social Security number.
- Keep your information in a secure place at home, especially if you have roommates, employ outside help or are having work done in your home.
- Do not keep PIN’s attached to credit, debit or ATM cards.
- Consider using our free and secure bill-payment system through our online banking.
- If you a member of the military forces, consider placing an active duty alert on your credit report. The active duty alert can prevent pre-screened offers of credit and insurance being sent while you are away on active duty.
- Inspect your credit report. Credit reports contain information about you, including accounts that you have and your bill paying 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 AnnualCreditReport.com or call 1-877-322-8228, a service created by these companies, to order your fee credit reports each year.
You also can write:
Annual Credit Report Request Service
P. O. Box 105281
Atlanta, GA 30348-5281
What to do if you become a victim?
- Place a “Fraud Alert” on your credit reports and review the reports 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 alert; a call to just one company is sufficient.
Experian 1-888-EXPERIAN (397-3742)
Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open and debts on your account that you can’t explain.
- Contact the financial institution or the companies where the information about you has been used and let them know you are a victim of identity theft.
- Close any accounts that have been tampered with or established fraudulently. Call the security or fraud departments of each company where an account was opened or changed without your permission. Follow up in writing with copies of the supporting documents. Use the ID Theft Affidavit at www.ftc.gov/idtheft to 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 report with law enforcement officials to help you with creditors who may want proof of the crime.
- Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigation.
By phone: 1-877-ID-THEFT (438-4338)
By mail: Identity Theft Clearinghouse
Federal Trade Commission
Washington, DC 20580