Always keep in mind that FNB Bank will never send emails or other messages that require customers to send personal information to us via email, website links or pop-up windows.
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NEVER Give out Credit Card and Account Information or Social Security number
Especially by phone or over the internet, unless the transaction was initiated by you with a trusted, reputable vendor, whose name and phone number you have independently verified as legitimate.Keep your personal identifying information in a safe location and refrain from sharing that information with anyone you do not fully trust.Opt out of credit marketing lists at 1-888-5OPTOUT (888-567-8688)Use a shredder to foil garbage theives.Get on No Call lists:State No Call: 1-888-382-1222Federal No Call: www.donotcall.gov (permanent)Review your monthly statements and check for unauthorized charges.
Check your credit reports at least once a year.Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even job applications. Reviewing credit reports helps you catch signs of identity theft early. Federal law allows you to get a free copy of your credit report every 12 months from each of the three major credit reporting companies. Review your credit report often to ensure information is correct and up to date. Check all three reports at once, or one every four months, which could better your chance of catching mistakes or unauthorized use of your identity. To get your free reports, call 1-887-322-8228 or go to www.annualcreditreport.com. You can also download our online forms to submit a request by mail.
What to Do If You Have Been Financially Exploited
- Contact your financial institution and/or credit card company immediately to close all accounts that may have been compromised.
- Contact local law enforcement and file a police report
- Get a 90-day “fraud alert” placed on credit reports.
Equifax Consumer Fraud Division
P.O. Box 740241, Atlanta, GA 30374-0241
www.equifax.comExperian’s National Consumer Assistance
(888)397-3742 (TDD 800-972-0322)
P.O. Box 2104, Allen, TX 75013
www.experian.comTransUnion Fraud Victim Assistance Department
(800)680-7289 (TDD 877-553-7803)
Fraud Victim Assistance Division
P.O. Box 6790, Fullerton, CA 92834-6790
- Report identity theft to the Federal Trade Commision by completing their ID Theft Affidavit online at
- Obtain a Security Freeze ($10 ror police report). Each state has a different procedure – go to
http://www.experian.com/consumer/security_freeze.html to get procedure for your state.Send by certified mail to:Equifax, CSC Credit Services, Security freeze, PO Box 674438, Houson, TX 77267-4438
Experian, Experian Security Freeze, PO Box 9554, Allen TX 75013
TransUnion, TransUnion Security Freeze, PO Box 6790, Fullerton, CA 92834-6790
Phishing is an online attempt to acquire personal information by someone posing to be a legitimate company. Always be skeptical if you receive an email or text message requesting your social security number, bank account numbers, debit/credit card numbers, passwords and/or PIN numbers.
On occasion, emails claiming to be from the National Automated Clearing House Association (NACHA) are sent to customers alleging that a recent transaction at the recipient’s bank could not be processed. A legitimate looking link is provided and asks the customer to “learn more” about the issue. By clicking on this link, malware is downloaded to the recipient’s computer. This malware is able to acquire banking information by bypassing authentication software. Once this occurs, the bank information is then used to conduct fraudulent wire transfers and purchases.
To protect yourself against phishing:
- Watch out for emails, text messages or other forms of communication that urge you to act quickly because your financial account may be suspended or closed.
- Never provide your password or any other confidential information, such as your social security number, bank account numbers, debit/credit card numbers or PIN numbers in response to an email. Financial institutions will never ask you to provide personal information via email. If in doubt, contact the organization directly.
- Never click on a link from an email. Always enter the URL manually.
Invest in anti-virus, anti-spam and anti-spyware software. Make sure to keep them up-to-date. Malware, such as viruses, worms, and spyware can secretly install on your computer and collect private information. Some programs, known as keystroke loggers, can also track your keystrokes and allow passwords to be captured. Below are additional tips to protect your computer against fraudulent activity.
- Make sure the latest Windows and security updates are installed.
- Enable a personal firewall
- Avoid using public, insecure wireless networks and public computer terminals when performing sensitive online activities
The following resources provide more information on how to protect yourself online and what to do if you become a victim of Identity Theft.
- Identity Theft Resource Center: www.idtheftcenter.org
- Federal Trade Commission Identity Theft Site: www.ftc.gov/bcp/edu/microsites/idtheft
- U.S. Department of Justice Identity Theft Kit: www.justice.gov/criminal/fraud/websites/idtheft.html
- Social Security Administration Fraud Line: 1-800-269-0271
- Privacy Right: www.privacyrights.org/identity.htm
- Equifax: 1-800-525-6285 or visit them online at www.equifax.com
- Experian: 1-888-397-3742 or visit them online at www.experian.com
- Trans Union: 1-800-680-7289 or visit them online at www.tuc.com