Farmers State Bank wants to ensure the online protection of your personal and account information.
The Federal Deposit Insurance Corporation (FDIC) has received numerous reports of a fraudulent e-mail that has the appearance of being sent from the FDIC. For more information please visit https://www.FDIC.gov
The Internal Revenue Service has issued several recent consumer warnings on the fraudulent use of the IRS name or logo by scamsters trying to gain access to consumers’ financial information in order to steal their identity and assets. When identity theft takes place over the Internet, it is called phishing.. For more information please visit www.IRS.gov.
The FBI has issued several recent consumer warnings on the fraudulent use of the IRS name or logo by scamsters trying to gain access to consumers’ financial information in order to steal their identity and assets. When identity theft takes place over the Internet, it is called phishing. For more information please visit www.FBI.gov.
More people than ever are going online to shop and manage their day-to-day finances. In fact, according to a survey by the Pew Internet and American Life Project, more than half of all Internet users in the country – now bank online.
Most people find it faster and more convenient than driving to their local branch. It may also be safer: Because online account holders have quick, round-the-clock access to their account records, they may spot errors or fraud more quickly than people who wait to receive a statement in the mail. Here are five Internet security tips that will go a long way toward protecting you:
Something phishy going on. Phishing…pharming…spyware…worms…zombies…evil twins: They’re sophisticated online scams designed to steal your personal information. What makes these hoaxes especially spooky is that they can be difficult to detect. Check out our list of some of the widely used online scams to protect yourself.
Responding to errors and other problems quickly can protect your good credit:
It’s your identity. Keep it that way. You make transactions almost everyday that reveal bits of your personal information – when you apply for a credit card, for example, or buy something online. These transactions usually require you to share sensitive information like your bank account and your Social Security Number. And unfortunately, this information is the stock-in-trade of a growing crime: identity theft or ID Theft.
Identity thieves try to use your personal information to commit fraud, make purchases, and take out loans. While victims usually aren’t held liable for crimes committed in their names, they can spend months – even years – repairing their finances and credit history.
Tips to protect yourself. While identity thieves may try to access your personal information in a variety of ways – from rummaging through your trash to using sophisticated technology – there are some basic precautions you can take to help protect yourself from becoming a victim.
Thoroughly shred mail – especially credit card bills, statements, offers for pre-approved credit, and other sensitive information – before you throw it away.
Remove mail from your mailbox every day.
Know your billing cycles. Follow up with lenders immediately if you suspect a problem.
Keep your Social Security Number, bank passwords, or other sensitive information locked away.
Memorize all Personal Identification Numbers (PINs) and passwords. Do not write them down or keep them in your wallet or purse.
Cancel all unused bank and credit accounts.
Never give out sensitive information over the telephone, by email, on a website, or in person unless you initiate the contact.
Check your Social Security Earnings and Benefit statement once a year to make sure that no one else is using your Social Security number for employment.
Check your credit report regularly. You can order free annual reports from www.annualcreditreport.com.
Consider freezing your credit to prevent being a victim of ID Theft. Learn more about the latest Security Freeze Protection Law.
Remove your name from direct mail lists. Write to the companies you do business with and ask them not to sell or rent your name. To learn more about getting your name off telemarketing, direct mail, and email lists, visit www.dmaconsumers.org.
Limit the telemarketing calls you receive by adding yourself to the Do-Not-Call registry www.donotcall.gov.
Opt-out of receiving preapproved credit offers by calling 1-888-5-OPT-OUT.
Opt-in, opt-out, what does it mean? By law, all financial companies must offer their Customers the opportunity to opt-out – or tell the company that they don’t want their personal and financial information sold to other companies and outside marketers. The catch: Unless you make a specific request, the organization is able to say that you have given implicit consent to them to share your personal information.
If you think your personal information has been stolen, it’s important to act fast. The sooner you alert your bank, your lenders, and the credit bureaus, the less damage identity thieves will be able to do. Here are some steps to take as well as a list of helpful resources.
When it happens to you… Take the following steps immediately if you think you’re a victim of identity theft:
Important Contact Information
To Report Fraud
Check Verification Companies
ID Theft FAQs
|Am I liable for fraudulent charges?||By law, you are only liable for $50 of fraudulent charges on your credit card. If your ATM or debit card shows unauthorized use, your liability is also limited to $50 provided you report the fraud within two business days of discovering it. If you take longer, you may be liable for up to $500 or more in unauthorized transactions. However, many banks and lenders offer more lenient policies, so ask for details.|
|What if my checkbook has been stolen?||Contact the major check verification companies and request that they notify retailers using their databases not to accept your stolen checks. Also, the Shared Check Authorization Network (1-800-262-7771) can tell you if a thief has been passing bad checks in your name. Report check fraud to ChexSystems, a consumer reporting agency (1-800-428-9623).|
|What if my mail is tampered with?||Check with your local post office to make sure that no one has filed an unauthorized address change. For more information about mail fraud and theft, contact the US Postal Inspection Service or call 1-800-275-8777.|
Farmers State Bank does not knowingly solicit individually identifiable personal information from or about children online, and does not knowingly market our products to children online. We fully support protecting children’s identities and privacy online, and recognize the responsibility to do so rests with both the online industry and with the parents.