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Information you Need to protect yourself from Identity Theft
Identity Theft is a crime that occurs when someone uses information such as your name, Social Security Number, credit card number or other identifying information to commit fraud against you. It is one of the fastest growing crimes in the U.S. Please ask any Bank of Coushatta Customer Service Representative for a copy of our Identify Theft Protection and Prevention brochure. Here you will find very important information that will help you protect your identity.
We would like to provide you with very important information as it pertains to your accounts at Bank of Coushatta.
Tips for Protecting your Identity
Review your credit report from the three major credit bureaus at least once a year. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. To learn how to obtain your free copies visit http://www.consumer.ftc.gov/articles/0155-free-credit-reports.
Credit Reporting Agencies
Understand that when you make a loan from a financial institution, your information will be sent to the one or more of the 3 credit reporting agencies. If you have reason to believe that your personal information may have been compromised, you might consider Freezing your credit. If you freeze your credit, a lock is placed on access to your credit report. This will prevent identity thieves from opening accounts in your name. You might consider freezing your credit with each of the 3 reporting agencies. In the event you need to make a loan, you can unfreeze your credit.
Shred your personal information
Do not throw away receipts, tax information, credit card offers, medical/insurance information, etc. without first shredding them.
Protect your credit cards
Do not give out personal information over the phone, through the mail or over the Internet unless you have initiated the contact or are sure you know who you are dealing with.
Remember the IRS will NOT contact you by phone or email to solicit payment as a first means of contact.
Be aware of current telephone scams advising that your loved ones are hurt or in need of your help and asking you to send money immediately. Also be aware of current telephone scams advising you that a utility is going to be turned off if you don’t pay immediately. Be aware of Telemarketing Fraud, when you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.
Here are some warning signs of telemarketing fraud—what a caller may tell you:
If you hear these or similar “lines” from a telephone salesperson just say “no thank you” and hang up the telephone. Do not give them any personal or financial information. (See “Other Web Resources” section below for more tips and information.)
Protect your Social Security Number (SSN)
Secure personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home.
Keep your purse or wallet safe
Protect your Personal Identification Numbers (PIN)
Safeguard your Postal mail
Password Security Tips
Do not share your User ID’s or Passwords with another person or provide them to others. Safeguard your User ID and Password information—never leave the information in an unsecured location.
Website and Email Security Tips
Computer / Network Security Tips
Mobile Banking and Smartphones
Signs your computer may be compromised
Signs your mobile device may be compromised
What to do if your device has been compromised
Consumer Protection provided by Regulation E
Regulation E provides rules for error resolution and unauthorized transactions for electronic fund transfers, which includes most transactions processed online. In addition, it establishes limits to your financial liability for unauthorized electronic fund transfers. These limits, however, are directly related to the timeliness of your detection and reporting of issues to Bank of Coushatta. It is for this reason that we encourage you to immediately review periodic account statements and to regularly monitor your account activity online. The “Electronic Fund Transfers” disclosure provided to you at the time of account opening provides detailed information. We will provide to you, upon request, a free printed copy of this disclosure.
Additional Information for Business users of Online Services
Business transactions are inherently more risky than consumer transactions because of their frequency and dollar value. In the last five years there has been a steep rise in online account takeovers and unauthorized online fund transfers related to business accounts. Recently small to medium sized businesses have been primary targets as cyber criminals have recognized that the security controls they have in place are not as robust as that of larger businesses. Bank of Coushatta suggests that you follow these basic recommendations:
Other Web Resources – Learn more and do more to protect yourself online!
FDIC Cybersecurity Guide
FDIC Tips for Safe Internet Banking https://www.fdic.gov/bank/individual/online/safe.html
FDIC Computer Security Tips for Bank Customers
FDIC Consumer News. https://www.fdic.gov/consumers/consumer/news/index.html
What to do if you are a victim of Identity Theft
If your checks have been stolen or misused, contact these major check verification companies for these services:
US Patriot Act
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24 Hour Customer Service - (318) 932-3468
Lost or Stolen Debit Card - (800) 500-1044
Monday – Thursday 9 – 4
Friday 9 – 5
Monday – Thursday 8 – 4:30
Friday 8 – 5
Your privacy is very important to us. We would like to advise you that internet email is not secure. Please do not submit any information that you consider confidential via email. We recommend you do not send your social security or account number or any other specific confidential information via email.
You are leaving Bank of Coushatta’s website and linking to a third party site. Please be advised that you will then link to a website hosted by another party where you will no longer be subject to or under the protection of the privacy and security policies of Bank of Coushatta. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Bank of Coushatta assumes no liability for the content, information, security policies or transactions provided by these other sites.