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Fraud Prevention

ID Theft Prevention

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Identity Theft is a serious crime.  It can occur at anytime and to anyone.  It happens when someone takes your personal information without your knowledge and uses it to commit fraud or other crimes.

Follow these simple guidelines to help protect your identity:

  • Shred any documents with sensitive information.
  • Don't carry your Social Security Card with you and don't give your number out unless it is absolutely necessary.
  • Only give out personal information over the phone when you have initiated the call.
  • Keep your computer's security (firewalls, anti-spyware, and anti-virus software) up-to-date.
  • Choose passwords that are easy for you to remember, but hard for others to figure out.
  • Keep any sensitive information in a safe place like a home safe or safe deposit box at the bank.
  • Check your credit report at least annually to make sure everything is correct and up-to-date.  In reviewing this report it may help you catch signs of identity theft (www.annualcreditreport.com is the ONLY government-sanctioned website where you can check you report for free once a year).

Debit Card Protection - Falcon Fraud Manager

Falcon is a system that monitors debit card and ATM transactions for potential fraud based on your personal spending habits/trends.  If a transaction is deemed suspicious, you will receive a call from a Falcon Fraud Specialist to verify the transaction.  The call will come from a live person, never a recording and they will never ask you for personal information.  If you did not initiate the transaction, your debit card will be blocked before additional fraudulent transactions can take place.  If you do not answer the call, a temporary block may be placed on your debit card if the fraud potential is high.  Please call us today to be sure we have your most up-to-date contact information.

If you plan to travel away from your home area, please contact us with the dates and locations.  This will help recognize which transactions may be legitimate versus fraudulent.

Enhanced Login Security

Reliance State Bank has enhanced login security for Internet Banking.  We have added levels of security above and beyond the firewalls, encryption and password protection.  With Enhanced Login Security, you can have security questions that only you know the answer to every time you login. This means that not only is your information protected with a password, your computer is recognized as well.

When Identity Theft Happens

Unfortunately Identity Theft can strike any of us.  If you have been a victim, here are some steps you can take to minimize the impact.

  • Contact your financial institution(s) about the situation and close any accounts that have been affected or that have been opened fraudulently.
  • Contact one of the major credit bureaus to place a free 90-day fraud alert and to review your credit reports for any signs of identity theft.  The credit bureau that you have contacted must tell the other two.

    Experian.com/fraudalert  1-888-397-3742
    TransUnion.com/fraud   1-800-680-7289
    Equifax.com/personal    1-888-766-0008
     
  • File a report with your local police department.
  • Report the theft to the Federal Trade Commission @ www.identitytheft.gov.
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