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 Fraud Prevention 

IBC Bank feels that the best way to protect yourself from fraud is to know how to prevent it first.

If You are a Victim of Identity Theft or Account Fraud

The unlawful use of someone’s identity is a serious matter to IBC Bank. If you’re a victim of identity theft or account fraud, you should call your IBC BANK customer service representative immediately. IBC BANK will work with you to correct all unauthorized transactions in your IBC BANK accounts as well as correct any incorrect information that may have been reported to the credit bureaus. We also suggest that you immediately:

Call the fraud departments of all three credit bureaus. Ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any more accounts in your name.

  • Equifax 1-800-685-1111
  • Experian 1-888-397-3742
  • Trans Union 1-800-888-4213
  • Contact your local police and ask to file a report. Even if the police can’t catch the identity thief, having a police report can help you in clearing up your credit records later on.
  • File a complaint with the Federal Trade Commission (FTC). Call the FTC’s identity theft hotline toll-free at 1 (877) IDTHEFT (438-4338). The hotline is staffed by counselors trained to help victims and take their complaints. You may also file a complaint online at www.consumer.gov/idtheft.
  • Complete the identity theft affidavit, which will assist you in reporting to many companies that a new account has been open in your name. Obtain a copy of the identity theft affidavit by clicking here.

Together, you and IBC BANK may be able to prevent identity theft and account fraud before it ever happens. If you would like more information about identity theft, you can do any or all of the following:

  1. Get more information on fighting identity theft from the FDIC at www.idtheft.gov and the U.S. Department of the Treasury's Office of the Controller of the Currency by clicking here
  2. Visit the Federal Trade Commission's (FTC) consumer website at www.consumer.gov/idtheft.
  3. Call the FTC toll-free at 1 (877) IDTHEFT (438-4338).

Please click on the links below for more details.

Types of Online Threats/Fraud

  • Email and fraudulent websites
  • Spyware and viruses
  • Pop-up advertisements

Fraud & Security FAQ’s

  • What protection do I have if I responded to a "phishing" attempt?
  • How can an email be fake when it says it's from IBC BANK, addresses me by name, has my correct email address, and quotes part of my account number?
  • What should I do if I'm suspicious of email bearing the IBC BANK logo?
  • I have email that looks like it's from IBC BANK. How can I tell if it's legitimate?
  • How do the criminals doing the "phishing" know I have an account with IBC BANK?
  • Is IBC BANK proactively working to stop "phishing"?

Identifying if you are a victim of a Scam

If you can answer “YES” to any of the following questions, you could be involved in a FRAUD or about to be SCAMMED!

  • Is the CHECK from an item you sold on the Internet, such as a car, boat, jewelry, etc?
  • Is the amount of the CHECK more than the item’s selling price?
  • Did you receive the CHECK via an overnight delivery service?
  • Is the CHECK connected to communicating with someone by email?
  • Is the CHECK drawn on a business or individual account that is different from the person buying your item or product?
  • Have you been informed that you were the winner of a LOTTERY, such as Canadian, Australian, El Gordo, or El Mundo, that you did not enter?
  • Have you been instructed to either “WIRE”, “SEND” OR “SHIP” MONEY, as soon as possible, to a large U.S. city or to another country, such as Canada, England, or Nigeria?
  • Have you been asked to PAY money to receive a deposit from another country such as Canada, England, or Nigeria?
  • Are you receiving PAY or a COMMISSION for facilitating money transfers through your account?
  • Did you respond to an email requesting you to CONFIRM, UPDATE, OR PROVIDE your account information?

Don’t get ripped off! Tell Branch Personnel Immediately!