Protecting Your Identity
We realize that security is of great importance to you. Jackson County Bank has made the protection of your assets, including your identity, a priority. We care about and are dedicated to protecting your confidential information.
Jackson County Bank will not send unsolicited emails or call asking customers 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.
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. Warning signs include receiving bills, credit card statements or calls from businesses or collection agencies you know nothing about. It is a crime that can have substantial financial and emotional consequences. Fight back against this crime by arming yourself with knowledge to protect your identity and personal financial information.
How Do They Get My Personal Information?
- They may steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as “skimming.” They may swipe your card for an actual purchase and misuse the information, or attach a skimmer to an ATM machine or merchant machine.
- They may get information from businesses or other institutions that you’ve dealt with by stealing information, hacking records, conning or bribing an employee.
- They may steal your mail.
- They may rummage through trash, whether it is at your home, a business or a public trash dump.
- They may get your credit reports by abusing their employer’s authorized access, posing as a landlord, employer, or someone else.
- They may steal your wallet or purse.
- They may steal personal information they find in your home.
- They may steal personal information from you through email or phone by posing as a legitimate company and claiming that you have a problem with your account. This is known as “phishing.”
- They may intercept information through social networking sites, compromised email, or unencrypted or hacked websites.
- They may obtain information through spyware, keyloggers or other malware on a computer.
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.
- Don’t give out personal information on the phone, through mail, or on the Internet unless you’ve initiated the contact, or are sure you know who you’re dealing with. Identity thieves are clever and may pose as representatives from banks, government agencies, non-profit organizations, for example, to get your information.
- Check an organization’s website by typing in the URL rather than clicking on links or pasting in a copied link. Many companies post scam alerts when their name is used improperly. Or call customer service with a known number if you are dealing with a questionable incident.
- Treat your mail and trash carefully. Deposit outgoing mail in post office collection boxes rather than an unsecured mailbox. Pick up your mail promptly. Shred statements, receipts, credit card offers, etc. before discarding.
- Do not carry your SSN card; leave it in a secure place. Give your SSN only when necessary, and ask to use other identifiers when possible.
- Carry only the identification information and the credit and debit cards that you’ll actually need when you go out.
- Be cautious when responding to promotions. Identity thieves may create phony promotional offers to get you to give them your personal information.
- Keep your purse or wallet in a safe place at work, at social gatherings, and public places.
- When ordering new checks, you may request to pick them up from the bank instead of having them mailed to your home mailbox.
- Closely review your credit card bills and bank statements for charges you did not authorize.
- 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.
- Review your banking or financial accounts and credit accounts regularly for unknown activity.
Protect your user names and passwords.
You are responsible for protecting your passwords and account information. Do not disclose your personal account information to others (including your ATM PIN, social security number, usernames and passwords).
To access our Internet Banking service, you must use a user ID and PIN selected by you. Anyone to whom you give your User ID and PIN will have full access to your accounts even if you attempt to limit that person’s authority, and any transaction conducted by such person is considered authorized by you. Because your User ID and PIN are used to access your accounts, you should treat them as you would any other sensitive personal data. You should carefully select a PIN that is hard to guess, keep it safe and change it frequently.
Promptly report incidents of unauthorized account access or suspicious activity. See Reporting Fraud for more information. By monitoring your accounts and promptly reporting fraud, you may reduce the effects of fraud.
Protect Your Computer
- Install, run and keep anti-virus and anti-spyware software updated.
- Install firewall software or hardware. Most anti-virus and anti-spyware products now bundle in firewall software with their products. Installing “free” virus protection software probably isn’t protecting you completely, and you may find the cost of the total protection software pales when compared to the cost of repairing your computer . . . or your credit history!
- Protect your computer by performing updates, or patches, on your operating system and applications (Office, Adobe, Java, etc.). Patches are updates that can fix the “holes”, or vulnerabilities, in software through which some malicious programs or viruses could attack. Set your system up for automatic updates, if possible.
- Do not allow others to use USB flash drives, DVDs or other portable devices on your computer unless you know it is free from malware.
Online Security Tips
- Avoid downloading programs from unknown sources.
- Do not use your Social Security number as username or password. Change your username and passwords regularly. Use combinations of letters, numbers and special characters (i.e. # or @). Protect your online passwords. Don’t write them down or share them with anyone.
- Protect your answers to security questions. Select questions and answers that are easy for you to remember but hard for anyone else to guess. Do not write the questions or answers down or share them with anyone.
- Use secure known websites for transactions and shopping.
- Close your browser when you are not using the internet.
- Always remember to log off and close your browser after using secure sites such as Internet Banking.
- Disable the feature on your browser that allows passwords to be saved.
- Review bank statements and credit card statements promptly to determine if there were any unauthorized charges. If your statement is late by more than a couple of days, call the bank.
- Do your internet banking activities on secure computers only. Public computers (internet cafes, copy centers, hotels,etc.) should be used with caution.
- Set the security settings on your browser and other programs to the highest level of security that will function with the application.
- When using social media sites, don’t post private information, or information that could be used to obtain access to financial or private information.
- Be cautious when clicking on ads or sidebars especially on social media sites.
Email Security Tips
- Refrain from clicking on links in e-mail messages. Instead type in the known address of the site into your browser, and locate the content from there.
- Never share personal or confidential information via e-mail. Think of e-mail as sending out a post card.
- Be careful of suspicious emails. Never open attachments, click on links or respond to emails from unknown senders.
- Do not open unexpected attachments even if they come from trusted sources.