Protect Yourself From Identity Theft
Our Commitment To You
Ramsey National Bank is committed to keeping your account safe from unauthorized access. Ramsey National Bank will never send emails asking customers to provide, update, or verify their personal or account information, or any other confidential information. Help us protect your personal information. If you should get such a request, do not respond and notify the Bank immediately.
Ramsey National Bank works very hard to protect its customers from identity theft, but maximum security is possible only with your help. Here are some tips provided by the Federal Trade Commission to help prevent identity theft. Together we can avoid identity theft before it occurs.
Common Ways Identity Theft Happens
Skilled Identity thieves use a variety of methods to steal your personal information, including:
- Dumpster Diving. They rummage through trash looking for bills or other paper with your personal information on it.
- Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.
- Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
- Changing Your Address. They divert your billing statements to another location by completing a “change of address” form.
- “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.
AVOID IDENTITY THEFT
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.
- 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.
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
- Your credit report. 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.
- Your financial statements. Review financial accounts and billing statements regularly, looking for charges you did not make.
Defend against identity 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)
- Trans-Union: 1-800-680-7289
Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open, and debts on your accounts that you can’t explain.
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 www.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 police report with law enforcement officials to help you with creditors who may want proof of the crime.
Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations.
- Online: www.ftc.gov/idtheft
- By phone: 1-877-ID-THEFT (438-4338) or 1-866-653-4261
- By mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580