Identity Theft
Citizens Savings Bank is vigilant in helping our customers protect their personal information. Customers can do the following:
- Never share your personal login ID, password, PIN, or account number with anyone.
- Keep credit cards and banking information secure. Report lost or stolen checks or credit cards immediately. Shred sensitive materials before disposal.
- Review bank statements each month for mistakes or unfamiliar charges. Report any unauthorized transactions immediately to the financial institution.
- Use direct deposit.
- Don’t use PINs or other passwords that are easy to guess. Also change your passwords regularly.
- Be aware of their surroundings. Identity thieves can use a cell phone camera to photograph credit or ATM card numbers while in a store. They should look around to ensure no one is shoulder surfing by watching from nearby for a personal identification number, and they shouldn’t give a credit card number aloud in public places with others around.
- Don’t let anyone swipe your card twice without giving you a transaction cancelled receipt for the first transaction.
- The customers should know when their bank or credit card statements arrive in the mail, as a missing or late statement can be a warning sign. If you know you have a bill due and you haven’t seen the bill, call the issuer to investigate.
- Obtain copies of your credit report periodically from each of the three major reporting agencies to be sure that they are accurate. Experian, Equifax, and Trans Union are required to provide you with one free credit report per year.
Citizens Savings Bank WILL NEVER initiate a request for sensitive information from you such as your social security number, personal login ID, password, PIN or account number nor ask you to verify account information via email.
Victims of Identity Theft
When your identity gets stolen, it can be a horrendous experience. Below are some steps to get your life back on track.
- Contact each of the three major credit bureaus and a request a “fraud alert” be placed on your file and no new credit be granted without your approval.
- Close the account(s) you think could be affected.
- File a complaint with the Federal Trade Commission (FTC) at 1-877-438-4338. When you file with the FTC you are providing information to help law enforcement official track down thieves.
- File a report with the local police department. By filing a report, along with a complaint to the FTC, can give you certain protections to ensure your identity can be protected and restored.
Important Numbers and Web sites
Credit Reporting Agencies
Equifax :: (800) 525-6285 :: www.equifax.com (opens in new window/tab)
Experian :: (888) 397-3742 :: www.experian.com (opens in new window/tab)
Trans Union :: (800) 680-7289 :: www.transunion.com (opens in new window/tab)
ID Theft Prevention & Reporting
Annual Credit Report :: (877) 322-8228 :: www.annualcreditreport.com (opens in new window/tab)
Federal Trade Commission :: 1-877-ID-THEFT :: www.ftc.gov/idtheft (opens in new window/tab)
Lost or Stolen Debit Cards 24/7
SHAZAM :: (800) 383-8000 :: www.shazam.net (opens in new window/tab)
For more information or questions regarding these alerts, contact the bank at:
Note: Sending personal information via email is NOT recommended and may result in Identity Theft.
CITIZENS SAVINGS BANK
133 East Main
PO Box 6
(563) 427-3255
csb@csbhawkeye.com
