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Customer Awareness

PROTECT YOUR IDENTITY

Everyone is at risk of becoming a victim of identity theft. Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.

 

WAYS IDENTITY THEFT CAN HAPPEN

  • Thieves steal your wallet or purse
  • Thieves steal your mail
  • Thieves complete a change of address form to divert your mail to another location
  • Thieves rummage through your trash or public trash cans
  • Thieves collect your information through e-mail or phone pretending to be from a legitimate company
  • Thieves steal your debit or credit card information by using a card reader device to copy the card’s   magnetic strip to duplicate without the card owner’s knowledge

 

WAYS YOU CAN HELP PROTECT YOUR IDENTITY

  • Review and balance your bank statement as soon as you receive it. Look for unexplained charges or  withdrawals. You can also check your account activity using our Online Banking. Contact us immediately at 318-428-8388 if you notice any suspicious or unusual activity related to any of your Commerce Community Bank accounts.
  • Do not give your Debit Card to other persons to use. Never write the PIN on the back of the card.
  • Shred any documents containing identifying information before throwing them away, this includes pre-approved credit offers, charge receipts, expired cards, checks and bank statements, even on closed accounts.
  • Never give out your financial information when it is requested over the phone, by mail, or through an email. Commerce Community Bank will never email you or call you to ask for PIN’s, passwords or other confidential account information.
  • Do not follow links in unfamiliar email. These links can take you to fake Web sites.
  • When you write a check, fill out the payee line and the amount line completely. If you leave space, you create an opportunity for someone who gets possession of your check to add an alternative payee or to increase the amount. Guard against such alterations by eliminating the space necessary to make them
  • NEVER sign a check until you are ready to deliver or mail it and NEVER endorse a check until you are ready to cash or deposit it.
  • Financial scams. Beware of financial scams such as “Work from Home” scams (usually found on the Internet) and “Sweepstakes” scams received through the mail. Please remember; if it sounds too good to be true, it usually is.
  • Update your virus protection software on your PC regularly. DO NOT open files from strangers or companies you do not know.
  • Use passwords on all accounts and your PC that are difficult to guess – and don’t use the same password for everything. Don’t use passwords that relate to family names, birthdays, your SSN, addresses, or your job. Change your passwords frequently.
  • When using ATM’s or gas pumps, be aware if it appears as though someone has tampered with it by placing a card reading device over the existing card reader.
  • Do not leave your purse, wallet, checkbook, or any other forms of identification in your car.

Commerce Community Bank will never call you and ask you for your account or sensitive information. Also, we will never send you an email to update or confirm your sensitive information by clicking on a link or replying to the email.

Email is unsecure so when sending emails to Commerce Community Bank please do not send personal information. You may send a secure message to Commerce Community Bank by logging into our Online Banking and sending a message.

 

WHO TO CONTACT IF YOU BELIEVE YOU ARE A VICTIM OF IDENTITY THEFT?

If you become a victim of Identity Theft contact:

• Your local police or the police in the community where the identity theft took place and file a report
• The Federal Trade Commission’s (FTC) Identity Theft Hotline toll-free at 1-877-438-4338
• The fraud departments of the three major credit bureaus.

  • Equifax – 1-888-766-0008
  • Experian – 1-888-397-3742
  • Transunion – 1-800-680-7289