Identity Theft and fraud are serious concerns and we at Heritage Bank want to provide you with information to protect yourself. Identity Theft occurs when an imposter obtains personal information such as social security number or driver's license number, in order to impersonate someone else for their personal gain. once this information is obtained, the imposter will use this to run up debt or possible provide false identification to police.
We have taken many precautions to safe guard your personal information. There are ways that you can protect yourself and manage the risk of becoming a victim of Identity Theft. Below are a few suggestions:
• Reduce the amount of paper in your mailbox by signing up for online statements.
• Never give your user name or password to anyone.
• Do not open emails or attachments from anyone you do not know.
• Choose passwords that are hard for someone to guess.
• Change your passwords often and don't write them down in an accessible place.
• Install security features on your computer such as an anti-virus and spyware software.
• Never use your social security number, driver's license number or account number on an internet site that is not secure.
• Store personal information in a secure place.
• Never print your Social Security number or driver's license number on your checks.
• Destroy unsolicited credit applications.
• If you notice any fraudulent activity on your account, notify the appropriate parties immediately.
• Properly destroy all documents with personal information.
Reviewing your accounts regularly and receiving your credit report annually will help you detect fraud if it does happen to you. the more aware you are of the signs the sooner you can head it off if it does occur. Below are a few tips to be aware of to help you detect if Identity Theft or fraud has occurred.
• You are not receiving your regular bills. Someone may have filled a change of address to divert your mail to their address to obtain your personal information.
• New accounts appear on your credit report that you did not open or apply for.
• You receive a credit card that you did not apply for.
• You are denied credit or less than favorable terms for no explainable reason.
• You notice unexpected charges on your account that were not made by you.
• You begin to receive calls or notices from collectors for merchandise or services that you did not purchase.
What to do if you are a victim of Identity Theft or Account Fraud
Notify us immediately if you suspect your bank account information has been compromised. You should also contact the three major credit bureaus below to place a fraud alert on your credit file. This will alert creditors to call you before opening any more accounts in your name. Here is the contact information for each bureau's fraud division: