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Identity Theft Information
PREVENTING FRAUD
On an almost daily
basis, internet users are warned about the latest scams, infectious
spyware, or keystroke logging used by criminals who are seeking to
profit illegally by obtaining and using your financial information or
identity. Fight back against this crime by arming yourself with the
knowledge to protect your identity and personal financial information.
Take
Charge: Fighting back against Identity Theft
is a PDF publication provided by the Federal
Trade
Commission. It addresses the immediate steps to take
if you are a victim of identity theft, how to resolve specific types of
problems regarding fraud and what to do to minimize fraud occurrences.
Due to the size of the file it may take several minutes to
open.
What is Identity
Theft?
Identity theft
occurs when someone uses personal identifying information, like name or
Social Security number without permission to commit fraud or other
crimes, such as opening new accounts, taking out credit, or purchasing
goods or services in the victim’s name. It is a crime that can have
substantial financial and emotional consequences.
How
Do They
Get My
Personal Information?
-
Dumpster
Diving or Shoulder Surfing.
Criminals will
go through your garbage cans or a communal dumpster or trash bin
to obtain copies of your checks, credit card or bank statements,
or other records that typically bear your name, address, and even
your telephone number. These types of records make it easier for
criminals to get control over accounts in your name and assume your
identity.
They may also look over someone’s shoulder (called shoulder
surfing),
watching you from a nearby location as you punch in your telephone
calling card number or credit card number, or listen in on your
conversation if you give your credit card number over the telephone
to a hotel or rental car company.
-
Phishing.
Perpetrators pretend to be financial institutions or companies and
send out spoofed email messages or pop-up messages to get victims to reveal their personal
information. These emails may look very genuine
and usually contain a link to click on or a form within the email
that requests that you enter your user name, passwords, account
numbers or other personal information. The fraudulent email or
pop-up may state that there is an urgency to getting this
information, such as a change over in systems or a security breach.
-
Old-Fashioned
Stealing.
Perpetrators
steal wallets and purses; stolen documents, including bank and
credit card statements; pre-approved credit offers; and new checks
or tax information. They steal personnel records, or bribe employees
who have access.
Fraudulent Web
Sites. If you make
purchases online, be sure you know who you are purchasing from before
you give out your credit card information. Also check the lock on
your browser toolbar to be sure it is a secure page.
What are the Warning Signs?
You may
get bills, credit card statements or calls from businesses or collection
agencies you know nothing about.
What
Can I Do to
Protect Myself?
It is very
important for consumers to take action to protect their identity. Below
are the most common suggestions. However, it is important to make sure
to stay up to date with the latest trends.
Start by adopting a "need to know" approach to your personal data. Your
credit card company may need to know your mother's maiden name, so that
it can verify your identity when you call to inquire about your account.
A person who calls you and says he's from your bank, however, doesn't
need to know that information if it's already on file with your bank;
the only purpose of such a call is to acquire that information for that
person's personal benefit.
-
The
more information that you have printed on your personal bank checks,
such as your Social Security number or home telephone number. the more
personal data you are routinely handing out to people who may not need
that information.
-
Do not
give credit card numbers, Social Security numbers or other personal
identifying information to anyone over the phone or from an e-mail
request.
-
Closely
review your credit card bills and bank statements for charges you did
not authorize.
-
Be
extra careful with your ATM receipts and credit card slips. Never leave
them at the ATM. Only carry the credit cards with you that you plan to
use.
-
Keep
your financial trash “clean”. Use a shredder to destroy personal
financial information.
-
Remove
mail from your mailbox as soon as possible. Deposit your outgoing mail
in a postal blue collection box or take it to the post office.
To
prevent identity theft,
order a copy
of your credit report
from the three credit bureaus
every year to check the accuracy of your report. Wisconsin residents are
able to obtain a copy of their credit reports free of charge.
To reduce or
minimize the risk of becoming a victim of identity theft or fraud, there
are some basic steps you can take. For starters, just remember the word
"SCAM":
S
Be Stingy about giving out your personal information to others unless you
have a reason to trust them, regardless of where you are.
C Check
your financial
information regularly, and look for what should be there and what
shouldn't.
A Ask
periodically
for a copy of your credit report.
M
Maintain careful
records of your banking and financial accounts.
THINGS TO BE AWARE OF REGARDING OUR BANK
Our employees will not ask you for your passwords, nor will
they request your password in an email or on the telephone. Never give
your passwords to anyone! Make sure that you choose a complex password
and change it frequently.
Please do not submit personal or confidential information
via email. If you must send this information, log on to Internet
Banking and use the Contact Us
button to message the bank, or use the
Contact Us submission form on
this website.
If you have any doubts as to whether an email is
legitimate, please call the sender using the telephone number from a
different source to confirm before opening. |
PHISHING ALERT: We
have been notified of a recent scam in which customers and
non-customers of Jackson County Bank are being sent an email
asking to update their personal information via a link that will
take the user to a site that IS NOT the financial institution
site. Please know that Jackson County Bank will never send
you an email asking for your personal information. If you
receive an email asking you to provide personal and/or sensitive
information, do not click on any link and do not send the
information. Even if the website and/or email appear
genuine, do not continue. |
|
IDENTITY THEFT
VIDEOS
Furnished by FDIC and Federal Trade Commission's Identity Theft Site.
TAKE CHARGE: Fighting Back Against Identity Theft
This is a very
informational document provided by the Federal Trade Commission. Due to the size of
the file it may take several minutes to open
You Have the Power to Stop Identity Theft
A brochure provided by the
Federal Financial Regulators
PLAY A GAME!
See how much you know regarding
identity theft, phishing, spyware and more!
Provided by the Federal Trade
Commission's OnGuardOnline.gov
ACCESS YOUR
FREE CREDIT
REPORT.
Wisconsin residents
are able to obtain a copy of their credit
report free of charge. If requested, credit reporting agencies are required to provide a free copy of your
credit report each year.
Visit the Federal Trade
Commission's
Identity Theft Site
Remember, Jackson County Bank will never send unsolicited emails
asking clients to provide, update or verify personal or account
information, such as passwords, Social Security numbers, PINs,
credit or Check Card numbers, or other confidential information.
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