We Do More by committing to help you fight fraud and identity theft. Identity theft is the most popular and profitable form of consumer fraud. It happens when someone uses your personal information such as your name, Social Security number, credit card number or other private information, without your permission to commit fraud or other crimes. It is vital that you recognize the various types of fraud and learn how to protect yourself against them. Click the links to the right to learn how to minimize the chances that you fall victim to identity theft and fraud. Maintaining current anti-spyware and anti-virus software along with installing updates offered by your software providers are just a few measures to take to protect yourself. Please read the tips below to learn more about protecting yourself.
Monitor your accounts You can easily monitor your accounts by keeping track of transactions by logging into IBC Online Banking. It’s FREE and available to you 24 hours a day, 7 days a week.
Protect your personal information:
- Do not carry your Social Security card with you
- Do not have your Social Security number and driver’s license number printed on your checks
- Keep your new and cancelled checks in a safe place
- Do not leave your purse, wallet, checkbook, or any other forms of identification in your car
- Shred or tear up any documents containing banking or credit information, especially pre-approved credit card offers
- You can also choose to opt out of pre-approved credit card offers by calling 1-888-567-8688
- Keep your PINs and passwords a secret. Do not write them down or share them with anyone. To learn more, click on the Lost/Stolen Cards tab
Check your credit
The Fair and Accurate Credit Transactions Act (FACT ACT) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, from Annual Credit Report.
If you have already received your free credit report in the last 12 months, you can order a copy from the credit bureaus for a fee.
Your credit report contains information on where you work and live, accounts opened in your name, how you pay bills, and whether you have been sued, arrested, or filed for bankruptcy. You can contact any one of the three major credit bureaus to place a fraud alert on your credit report, as well as a victim’s statement asking that creditors call you before opening new accounts or charging existing ones. As required by law, that credit bureau will report the information to the other two bureaus for you. Contact creditors for any accounts that have been corrupted. Always follow up with a letter and keep copies of everything. Close affected accounts and assign passwords to new ones.
Other Helpful Links: