 |
|
|
|
|
|
|
 |
|
 |
 |
 |
 |
|
 |
 |
 |
|
         
Need Loan Information?
Contact your nearest branch manager for our great rates!
Buying a House?
call 1-800-297-4040 immediately for a free quote. |
|
|
In today's competitive business environment, you need every advantage you can get. One of those advantages is having full time financial information and control at your finger tips. And the ability to act on that information. With our new generation of online business banking solutions it has never been easier.
Successful businesses require flexibility in their online business banking program. And that's why our combination of the newest technology and excellent service provides your company with the tools for unbeatable performance.
You can transfer funds, draft customer accounts for pre-authorized payments, initiate ACH or wire transfers, pay bills, pay vendors, even pay your payroll. 24/7. You'll make your job easier while your cash will work harder.
Control, convenience, security. Online business banking-- keeping you competitive in business.
Contact your local branch or click the demo button at the bottom of this page to go to our interactive demo. |
COMMON WAYS ID THEFT HAPPENS:
Skilled identity thieves use a variety of methods
to steal your personal information, including:
1. Dumpster Diving. They rummage through trash
looking for bills or other paper with your personal
information on it.
2. Skimming. They steal credit/debit card numbers
by using a special storage device when processing
your card.
3. Phishing. They pretend to be financial institutions
or companies and send spam or pop-up messages
to get you to reveal your personal information.
4. Changing Your Address. They divert your billing
statements to another location by completing a
“change of address” form.
5. “Old-Fashioned” Stealing. They steal wallets
and purses; mail, including bank and credit card
statements; pre-approved credit offers; and new
checks or tax information. They steal personnel
records from their employers, or bribe employees
who have access.
|
Deter identity thieves by safeguarding your information.
■ Shred financial documents and paperwork with personal
information before you discard them.
■ Protect your Social Security number. Don’t carry your Social
Security card in your wallet or write your Social Security
number on a check. Give it out only if absolutely necessary
or ask to use another identifier.
■ Don’t give out personal information on the phone, through
the mail, or over the Internet unless you know who you are
dealing with.
■ Never click on links sent in unsolicited emails; instead,
type in a web address you know. Use firewalls, anti-spyware,
and anti-virus software to protect your home computer;
keep them up-to-date. Visit OnGuardOnline.gov for
more information.
■ Don’t use an obvious password like your birth date, your
mother’s maiden name, or the last four digits of your Social
Security number.
■ Keep your personal information in a secure place at home,
especially if you have roommates, employ outside help,
or are having work done in your house. |
Detect suspicious activity by routinely monitoring your
financial accounts and billing statements.
Be alert to signs that require immediate attention:
■ Bills that do not arrive as expected
■ Unexpected credit cards or account statements
■ Denials of credit for no apparent reason
■ Calls or letters about purchases you did not make
Inspect:
■ Your credit reports. Credit reports contain information
about you, including what accounts you have and your bill
paying history.
- The law requires the major nationwide consumer reporting
companies—Equifax, Experian, and TransUnion—
to give you a free copy of your credit report each year
if you ask for it.
- Visit www.AnnualCreditReport.com or call 1-877-322-8228,
a service created by these three companies, to order your
free credit reports each year. You also can write:
Annual Credit Report Request Service, P.O. Box 105281,
Atlanta, GA 30348-5281.
■ Your financial statements. Review financial accounts and
billing statements regularly, looking for charges you did
not make. |
| |
Defend against ID theft as soon as you suspect it.
■ Place a “Fraud Alert” on your credit reports, and review
the reports carefully. The alert tells creditors to follow
certain procedures before they open new accounts in your
name or make changes to your existing accounts. The three
nationwide consumer reporting companies have toll-free
numbers for placing an initial 90-day fraud alert; a call to
one company is sufficient:
- Equifax: 1-800-525-6285
- Experian: 1-888-EXPERIAN (397-3742)
- TransUnion: 1-800-680-7289
■ Close accounts. Close any accounts that have been tampered
with or established fraudulently.
- Call the security or fraud departments of each company
where an account was opened or changed without your
okay. Follow up in writing, with copies of supporting
documents.
- Use the ID Theft Affidavit at ftc.gov/idtheft to support
your written statement.
- Ask for verification that the disputed account has
been closed and the fraudulent debts discharged.
- Keep copies of documents and records of your
conversations about the theft.
■ File a police report. File a report with law enforcement
officials to help with creditors who may want proof of the
crime.
■ Report the theft to the Federal Trade Commission. |
To learn more about ID theft and how to deter, detect, and defend against it, visit ftc.gov/idtheft. Or request copies of ID theft resources by writing to:
Consumer Response Center
Federal Trade Commission
600 Pennsylvania Ave., NW, H-130
Washington, DC 20580 |
|
|
|
|
 |
|
 |
|
|
