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You are in the best position to control the information that you choose
to release, and thus you are in the best position to protect your
personal information. The following safety tips are provided to assist
you in protecting yourself from fraud. |
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- Website: www.ftc.gov
- Phone: 1-877-ID-THEFT | 1-877-438-4338
- Never give personal information to a stranger who contacts you, whether by telephone, e-mail, or other means.
- Don’t accept payments for more than the amount of the service with the understanding that you send the buyer the difference.
- Don’t accept checks from individuals you’ve only met online.
- Don’t accept jobs in which you are paid or received commission for facilitating money transfers through your account.
- No matter how urgent someone claims a deal is, you can always wait for a few days to research and confirm legitimacy. Time is on your side, not the fraudster’s.
- You are ultimately responsible and liable for all deposits made into your account, whether they are a check, money order, transfer, etc.
- Carry only necessary identification. Do not carry your
social security card with you.
- Take steps to reduce the amount of mail you receive
that displays personal information.
- Be cautious when providing your Social Security Number.
It’s okay to ask whether it is needed for the application
or transaction.
- Check your credit report annually at a minimum.
- Never provide personal information over the phone or
internet unless you have initiated the contact and have confirmed
the business or person’s identity.
- Avoid leaving any personal information in your car.
- Shred unnecessary documents and eliminate as much paper
documents that contain your personal information.
- Take your outgoing mail to
the post office rather than using street-side mailboxes
- Ask us to stop sending your monthly statement through
the mail, instead receive and store your bank statements electronically.
- Use e-Alerts to monitor various types of account activity. This free service can help alert you to fraudulent activity.
- Use online services (Online Banking, e-Alerts, etc.) to monitor your bank accounts
regularly.
- Receive your paychecks, dividends and other reoccurring
deposits directly into your account electronically.
- Purchase checks from a reputable company that provides
security features within the check stock paper.
- Avoid preprinting personal identifiers on your checks
{SSN, DL#, Personal phone numbers, etc.}
- Store your checks securely and know who has access
to them.
- Report suspicious activity immediately. {lost, stolen
or unauthorized use of checks or cards}.
- Avoid writing down, carrying or sharing your online
banking or card PIN [personal identification number] with anyone.
Memorize it or secure it at home.
- Choose passwords or PINs that are difficult for others
to guess by not using personal information within the password such
as address, phone number, SSN or date of birth, rather use random
information.
- Consider different passwords for each online account.
- Never “lend” your debit cards to others.
You are responsible for transactions initiated from a card that
was lent to someone else.
- Limit time spent at the machine.
- Protect your PIN and passwords — don't keep them in your wallet.
- Keep receipts and compare to monthly statement.
- Treat your ATM card like cash by always protecting
it.
- Be aware of strangers when you enter or exit an ATM
site. If you notice anything suspicious or unsafe, report it.
- Protect yourself from skimmers: Inspect the ATM, gas pump, or card reader before using it. Be Suspicious if you see anything loose, crooked or damaged or if you notice scratches or adhesive tape residue.
- Protect yourself from skimmers: Be careful of ATMs in tourist areas. They are a popular target of skimmers.
- Protect yourself from skimmers: If your card is not returned after the transaction or after hitting “cancel”, immediately notify your bank that issued the card.
- Shield the ATM keypad with your hand or body while
entering your PIN {Personal Identification Number}
- Put away your card and cash immediately after completing
your transaction.
- Do not let strangers assist you with a malfunctioning
ATM, exit to another ATM for use.
- Be extra cautious when using
an ATM at night.
- Sign your card when you receive
it.
- Always take your credit card and your receipt back
after every transaction and keep receipts in a secure place until
you compare them to your credit card activity statement.
- Shred paper receipts and statement when you are finished
verifying them.
- Use online services to receive, store and regularly
monitor your credit card statements.
- Avoid writing down, carrying or sharing your credit
card PIN [personal identification number] with anyone. Memorize
it or secure it at home.
- Make copies of all credit card information that you
carry and secure it at home.
- Never provide your credit card information over the
phone or internet unless you have initiated the contact and have
confirmed the business or person’s identity.
- Never “lend” your
credit cards to others. You are responsible for transactions initiated
from a card that was lent to someone else.
- Order your free credit report on an annual basis, for more information click here.
- For military personnel, see information from the Federal Trade Commission here.
Report suspicious activity immediately. | top
As Technology changes our efforts to assist you in protecting yourself expands. When you chose to use a mobile device such as your cell phone or blackberry for account access please keep your security in mind.
- Store your device (phone or blackberry, etc.) in a secure location.
- Use the keypad lock or phone lock function on your mobile device when it is not in use. These functions password-protect your device so that nobody else can use it or view your information.
- Delete your browser history regularly.
- Frequently delete text messages containing your account information (including your account balances).
- Before letting someone else have access to your device (lending it to another person, discarding, or selling your mobile device) ensure that her personal account information has been deleted.
- Never disclose via text message any personal information (account numbers, passwords, or any combination of sensitive information like your social security number or birth date that could be used in ID theft).
If you lose your mobile device which has personal information (account numbers, passwords, or any combination of sensitive information stored in it) - notify Union Bank at (402) 323-1777 or toll- free at 1-800-297-2837 to discuss protection options.
- When conducting online business, make sure your browser's padlock is active. Make sure that this icon is in your browser, not on the page you are viewing.
- Secure sites have https:// in front of the web address.
- Don't allow Windows to remember your passwords.
- Log off completely after banking online.
- Clear your browser's cache and history after visiting any
Union Bank or financial institution's website.
1. Know the Scams
- Phishing, Spoofing, Pop-up Fraud – types
of online fraud used to obtain personal information.
-
Trojan Horse – Virus that can record your keystrokes. It
can live in an attachment or be accessed via a link in the email,
website or pop-up window.
-
Counterfeit Websites – URLs that forward you to a fraudulent
site. To validate a URL, you can type or cut and paste, the URL
into a new web browser window and if it does not take you to a
legitimate web site or you get an error message, it was probably
just a cover for a fraudulent web site.
Domain Spoofing - Domain Spoofing occurs when a fake financial or retail website is set up with the same look and feel of a legitimate website for the purpose of gaining personal information. To verify a site's authenticity, choose the padlock icon, typically displayed at the bottom of the browser window, to verify you are on a secured page. A legitimate site will show a SSL certificate with the name of the site you're visiting.
2. Activate a pop-up window
blocker.
There are free programs available online
that will block pop-up windows. Be sure to perform an Internet search
for “pop-up blocker” or look at the options provided by
major search engines. You will need to confirm that these programs
are from legitimate companies before downloading. Once you have installed
a pop-up blocker, you should determine if it blocks information that
you need to view or access. If this is the case, you should consider
turning off the blocker when you are on Web sites you know use pop-windows
to provide information you need or want to view.
3. Scan your computer for spyware regularly.
You can eliminate potentially risky pop-up
windows by removing any spyware or adware installed on your computer.
Spyware and adware are programs that look in on your Web viewing activity
and potentially relay information to a disreputable source. Caution: many spyware programs disguise themselves as spyware-removal programs. You may wan to use reputable programs such as Microsoft Malicious Removal Tool and Microsoft Windows Defender. As with a pop-up blocker, you
will want to be sure that your removal program is not blocking, or
removing, wanted items, and if it is, consider turning it off for
some websites.
4. Avoid downloading programs from unknown
sources.
Downloads may contain hidden programs
that can compromise your computer’s security. Likewise, email
attachments from unknown senders may contain harmful viruses.
5. Keep your computer operating system
and Internet browser current.
6. Keep anti-virus software up-to-date.
Anti-virus software needs frequent updates
to guard against new viruses. Select a reputable provider. Download
the anti-virus updates as soon as you are notified that a new download
is available. Some programs will offer an automatic update.
7. Keep your passwords secret.
Change them regularly, using a mixture
of numbers and characters.
8. Question suspicious emails.
| report them to us here
Do not open emails from senders
you do not recognize. Union Bank will never send you an email asking
for your online identification or password/passcode. Also, never open
email attachments that have file endings of .exe, .pif,or .vbs. because
these are file extensions for executables, and are commonly dangerous
files.
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Important
Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering
activities, Federal law requires all financial institutions to obtain,
verify, and record information that identifies each person who opens an
account. What this means for you: When you open an account, we will ask
for your name, address, date of birth, and other information that will
allow us to identify you; we may also ask to see your driver’s license
or other identifying documents.
FDIC Insurance:
For general information on FDIC Insurance, click here. For an important disclosure regarding deposit insurance on noninterest-bearing transaction accounts, click here.
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| ©2011 Union Bank & Trust Company. All Rights Reserved. MEMBER
FDIC. |
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Introduction to Identity Theft
