Identity Theft

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 canceled 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.

If you are a victim of identity theft or account fraud

The unlawful use of someone's identity is a severe matter for IBC Bank. If you're a victim of identity theft or account fraud, call your IBC Bank customer service representative immediately. IBC Bank will work with you to correct all unauthorized transactions in your IBC Bank accounts and any incorrect information that may have been reported to the credit bureaus.

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 clear 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 opened 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 they ever happen. If you would like more information about identity theft, you can do any or all of the following:

• 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
• Visit the Federal Trade Commission's (FTC) consumer website at www.consumer.gov/idtheft
• Call the FTC toll-free at 1-877-IDTHEFT (438-4338)