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A great community deserves a great community bank!

Protecting yourself
from identity theft

Preventing ID Theft

Identity theft is a crime that is growing at an alarming rate.

We are providing this information to help educate you on the threat of identity theft and to inform you of ways to help prevent it.

You CAN Fight Identity Theft 

Here’s How:

•Never provide personal financial information, including your Social Security number, account numbers, or passwords, over the phone or the internet if you did not initiate the contact. Never click on the link provided in an e-mail you believe is fraudulent. It may contain a virus that can contaminate your computer.
•Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.
•If you believe the contact is legitimate, go to the company’s website by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the e-mail.
•If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

 

Report suspicious e-mails or calls to the Federal Trade Commission through the internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

You CAN Fight Identity Theft 

Here’s How:

Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the internet if you did not initiate the contact.Never click on the link provided in an e-mail you believe is fraudulent. It may contain a virus that can contaminate your computer.
Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.
If you believe the contact is legitimate, go to the company’s website by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the e-mail.
If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

 

Report suspicious e-mails or calls to the Federal Trade Commission through the internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

“Phishing”– A New Type of Internet Piracy

There’s a new type of internet piracy called “phishing.” It’s pronounced “fishing”, and that’s exactly what these thieves are doing: “fishing” for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even driver’s licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.

How to Protect Yourself

Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the internet.

E-mails and internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.

Reach out to the financial institution yourself.

You can find phone numbers and websites on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.

Never provide your password over the phone or in response to an unsolicited internet request.

A financial institution would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.

Review account statements regularly to ensure all charges are correct.

If your account statement is late in arriving, call your financial institution to find out why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.

“Phishing”– A New Type of Internet Piracy

There’s a new type of internet piracy called “phishing.” It’s pronounced “fishing”, and that’s exactly what these thieves are doing: “fishing” for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even driver’s licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.

How to Protect Yourself

Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the internet.

E-mails and internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.

financial institution yourself.

You can find phone numbers and websites on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.

Never provide your password over the phone or in response to an unsolicited internet request.

A financial institution would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.

Review account statements regularly to ensure all charges are correct.

If your account statement is late in arriving, call your financial institution to find out why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.

What to do if You Fall Victim

Contact your financial institution immediately to alert it to the situation.

If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau’s fraud division:

Equifax

800-525-6285
P.O. Box 740250
Atlanta, GA 30374

Experian

888-397-3742
P.O. Box 1017
Allen, TX 75013

TransUnion

800-680-7289
P.O. Box 6790
Fullerton, CA 92634

Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

What to do if You Fall Victim

Contact your financial institution immediately to alert it to the situation.

If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau’s fraud division:

Equifax

800-525-6285
P.O. Box 740250
Atlanta, GA 30374

Experian

888-397-3742
P.O. Box 1017
Allen, TX 75013

TransUnion

800-680-7289
P.O. Box 6790
Fullerton, CA 92634

Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

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Have a question about protecting your account? Please use the form to send us a secure message and a bank representative will be in contact soon. To speak with a representative of HNB First Bank directly, please call 334-693-3352 or toll free 1-866-693-3352 during banking hours.

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