Protect Your Credentials From Fraud
Given the recent crime breach of stolen internet credentials (usernames and passwords), it is a good time to update your personal information. In the wrong hands, your information can be used in fraudulent activity and identity theft. To minimize the risk that your sensitive information will be compromised, here are some simple things you can do to protect yourself:
Change passwords on important sites:
Regularly change passwords for sites that hold a lot of personal information, financial details, and other private data.
Don't re-use passwords:
One of the main ways that hackers use credentials is to try to gain access to your other accounts. If you vary your passwords across multiple logins, they won't be able to access other sites with the same information.
Create stronger passwords:
Make sure that your password is a minimum of eight characters long, and that it doesn't contain your real name, username, or any other personally identifying information. It should also contain a combination of uppercase and lowercase letters, and numbers.
Use a password manager to store passwords:
There are several apps available at little or no cost that can help you remember your passwords.
Enable Two-Factor Authentication:
Many websites now offer two-factor (or two step) authentication, which adds an extra layer of security to your account by requiring you to enter your password, plus a code that you will receive on your mobile device (via text message or a token generator) to login to the site.
Keep an eye on your online accounts:
If you see something suspicious, report it to the website. If you discover a fraudulent charge on one of your financial accounts, contact your bank. In most cases, the charge can be reversed, and your account can be frozen to prevent any further fraudulent activity.
It pays to be vigilant in your efforts to stop fraud on your account and keep your information and identity protected. To assist you in protecting your accounts, we have additional information and tips on our website. Please visit http://www.anbank.com/IDtheft-FraudProtection.html. Should you have any questions, please contact us at Customerservice@anbank.com or Toll Free: 800-279-0007.
What the Bank is Doing to Keep Your Identity Safe
Substantial measures are in place to protect your identity against theft and fraud:
- Internal Confidentiality - Access to nonpublic information about you is limited to employees who need to know that information to provide you with our products and services.
- Employee Training - Employees are trained periodically throughout the year on handling sensitive and confidential information, fraud prevention, and identity theft. They are also tested to ensure that they are following the proper procedures.
- Online Security - Your Internet banking transactions are secure. The Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic. Anti-spyware, anti-malware, and security software and mechanisms are robust and up-to-date.
- Fraudwatch - Visa Debit Cards are protected by FraudWatch® PLUS. Working with a partner, we are able to provide industry leading technology, tools and the expertise to manage fraud on your Visa Debit Card. Experienced fraud analysts work around the clock, watching for any suspicious card activity and will contact you immediately if they detect potential fraud on your card. They will identify themselves as "Fraud Prevention Services."
Trusteer Rapport - Trusteer Rapport is security software that provides important added protection to your online banking session. Trusteer Rapport is highly recommended as an additional layer of security to any anti-virus or security software you already use. By protecting your internet connection and creating a tunnel for safe communication with your iBank online website, Trusteer Rapport helps blocks malicious attempts to steal money from your account.
- Provided to our customers free of charge
- Downloads in minutes
- Future updates are free and automatic
Learn More About What You Can Do to Protect Yourself
To help you in protecting yourself from Identity Theft and Fraud, we invite you to take a few minutes to watch the video at the link below, we think you will find it very helpful, and informative. Then, please read through the remainder of the information to make sure you are fully informed. In addition, there are links at the bottom that will provide additional information.
- Before you give personal information, ask your bank, doctor's office, other businesses and your employer how they will use and protect your personal information.
- Never carry your Social Security Card or number, birth certificate or passport unless necessary. Report lost or stolen checks immediately. Review new deliveries of checks to make sure none have been stolen in transit.
- Do not have your social security number or driver's license number printed on your checks.
- Never give identifying information over the phone or internet to someone you don't know, and never give it over a cordless or cellular phone.
- Shred financial solicitations or financial statements before disposing of them.
- Deposit your mail into a secure, official Postal Service collection box.
- If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your mail and steal your identity.
- Do not use your mother's maiden name or other common information, ie. Phone number, birthdates, etc. as passwords.
- Keep a list of credit card and bank account numbers, expiration dates and phone numbers in a safe place.
- Never leave your purse or billfold unattended. Examples, in your car, motel room etc.
- PROTECT all PIN's and Passwords. Change them often. Use a combination of lower and upper case letters and numbers.
- Use Virus Protection software.
- Do not open attachments or links from unknown senders.
- Get a copy of your credit report every year. A new law (The Fair and Accurate Credit Transactions Act, or FACT Act) requires each of the three credit reporting companies to provide you a free copy of your credit report, at your request, once every 12 months. You can get your report at www.annualcreditreport.com or call 877-322-8228.
You can also contact the credit reporting companies:
Equifax (www.equifax.com) - 800-685-1111
Experian (www.experian.com) - 888-397-3742
TransUnion (www.transunion.com) - 800-680-7289
What To Do If Your Identity Has Been Compromised?
If you become an identity-theft victim, you can take action. To ensure the best possible protection -- don't wait. Once you suspect that your identity has been compromised take the following steps immediately:
1. Go to the FTC website,www.ftc.gov/idtheft or stop by or call the bank to receive a Theft Affidavit Form. This comprehensive form will help you in documenting the information that you will need to provide to several organizations.
2. The next step is to contact the three national consumer reporting agencies. Ask each agency to place a "fraud alert" on your credit report, and send you a copy of your credit file. When you have completed your affidavit packet, you may want to send them a copy to help them investigate the disputed accounts.
- Equifax Credit Information Services, Inc.
- 1-800-685-1111 to obtain a copy of your report.
- P.O. Box 740241, Atlanta, GA 30374-0241
- Experian Information Solutions, Inc.
- (888) 397-3742
- P.O. Box 9530, Allen, TX 75013
- (800) 680-7289/ TDD (877) 553-7803
- Fraud Victim Assistance Division
- P.O. Box 6790, Fullerton, CA 92634-6790
2.Then contact the fraud department at each creditor, bank, or utility/service that provided the identity thief with unauthorized credit, goods or services. This would be a good time to find out if the company accepts this affidavit, and whether they require notarization or a copy of the police report.
3. Contact your local police department. Ask the officer to take a report and give you the report number or a copy of the report. When you have completed the affidavit packet, you may want to give your police department a copy to help them add to their report and verify the crime.
4. Contact the FTC, which maintains the Identity Theft Data Clearinghouse - the federal government's centralized identity theft complaint database - and provides information to identity theft victims. You can call toll-free 1-877-ID-THEFT (1-877-438-4338), visit www.ftc.gov/idtheft, or send mail to:
Identity Theft Data Clearinghouse
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
The FTC collects complaints from identity theft victims and shares their information with law enforcement nationwide. This information also may be shared with other government agencies, consumer reporting agencies, and companies where the fraud was perpetrated to help resolve identity theft related problems.
5. If you believe someone may have used your SSN fraudulently you will need to contact and complete forms for the IRS. To aid victims whose social security number has been compromised the IRS has a Taxpayer Guide to Identity Theft. Please click here to access the guide. http://www.irs.gov/uac/Taxpayer-Guide-to-Identity-Theft
Additional Websites and Information on Identity Theft & Fraud
These websites contain more information on securing sensitive data and protecting yourself or your business from identity theft and fraud. If you have any questions, please contact the bank Security Officer.
-Fraud Advisory for Consumers: Involvement in Criminal Activity through Work from Home Scams focuses on the growing work-from-home scams that are causing more and more consumers to lose money and potentially face criminal charges. An example of a work-from-home scheme, tips on how consumers can protect themselves and industry links are included within this advisory.