Our Goal to Protecting You, Our Customers
  

Lewisburg Banking Company strives to provide information and resources for educating you, our customers, about identity theft. Please carefully read and consider the information provided on this site to better your knowledge of protecting yourself against today's fastest growing threats.  To learn more about how the bank works to keep your information secured, view our Privacy Policy.  Join us today in the fight against identity theft!

  
  
Identity Theft- A Growing Threat to You
  

Identity Theft by Definition

 The fraudulent acquisition and use of a person's private identifying information, such as a your name, Social Security Number, Account Numbers, or Credit Card Number, usually for financial gain.  Identity theft can lead to damage to your personal and financial reputation which may take years to recover.

Ways Identity Theft Occur

  • "Phishing"  Typically, this method of piracy occurs when a fraudulent email is sent out with a link to a malicious website.  Often, the email appears to be from a government entity, your financial institution or other trusted sources.  The email may request immediate action to correct a problem which will require you to enter personal information, such as account numbers or social security number,  or even logon credentials to a website or online banking. Other forms of phishing may occur through email or even over the phone. Giving out personal information in any of these instances often leads to identity theft. 
    "Dumpster Diving" A method used by thieves to gather confidential information by going through trash cans and dumpsters and finding documents or bills with such personal information.  The information found will then lead to attempts to steal your identity.
  • "Shoulder Surfers"  This type of fraud occurs when a criminal watches over your shoulder to discover your PIN number to gain access to your debit or credit card for fraudulent use.  This could be a stranger or even someone that you personally know.
  • "Skimming" Another method used to capture and store debit/credit card information for fraudulent use.  This occurs when a card is scanned in a electronic device, whether a pocket reader, ATM attachment or even through wireless devices, then saves the information to gain access to funds on the card.
  •  "Spyware"  A method used to capture data by forcing a download of malicious software onto your computer while surfing the internet.  Once downloaded, the software runs in the background without your knowledge and captures your keystrokes often leading to personal information or even logon credentials.  Thieves then use this information to further gain access to various things such as your bank accounts, online banking, credit cards or even social media sites which then leads to identity theft. 
  • "Change of Address"  Some criminals will change your address so they may gain access to personal information by receiving your mail. 

Protecting Yourself Against Identity Theft

Take charge now and fight this growing crime by following the steps below!

  • Avoid disclosing personal and confidential information, such as name, date of birth, social security number, account number, credit/debit card number, etc., especially over the phone, by email, online, thru text messaging or even by mail.  Remember that your bank should never call and request that you disclose such information.  If contacted by someone claiming to work for the bank, inform them that you will call back and when doing so, use the number previously disclosed on the bank's disclosures or in your local phone book.
  •  Avoid sharing usernames and passwords with anyone.  Never write down such information where anyone might have access to it.  Memorize such information for better protection.
  • Avoid saving passwords and/or login information on websites.  
  • Use only secure websites when shopping or banking online.  Be sure that you only enter personal information on websites that are "https."  The "s" means that the website is encrypted and secure.  Some websites may display a logo such as "Norton Secured by Verisign."  These logos should allow you to click to "verify" the security of a website.  f unable to verify the security, you may should avoid using the site.
  •  Monitor your bank accounts by reviewing and balancing your statement monthly and/or using secure online banking on a regular basis.
  • Monitor credit card activitiy and statements for fraudulent use.  Report any unauthorized use immediately.
  • Store bank statements, credit card statements or other confidential information in a secure location to avoid theft or misplacement. 
  • When ordering a new debit/credit card, be sure to mark your calendar for the expected arrival date.  If this date comes and you have not yet received the card, be sure to follow up to check the status of the card.  If you do not receive the card, it may be necessary to have the card turned off.
  • Cancel any debit/credit cards that you are no longer using.  Avoid not using a card for over 6 months. 
  • Avoid saving debit/credit card numbers and information to websites.
  • Review your credit report history for fraud or suspicious activity.  Avoid using credit report websites other than those recommended by your bank.  Report any mistakes on the reports immediately by writing a letter to  the credit bureau and attaching a copy of the report and a copy of any supporting documents. 
  •  Shred any and all documents that may have personally identifiable information.  This will help to avoid theft through "dumpster diving."
  •  Remove your name and contact information from promotional lists.  Request removal by calling 1-888-5-OPTOUT -OR- Writing to: Direct Marketing Association, Mail Preference Service, Farmingdale, NY 11735.
  • Avoid printing your phone number, date of birth, or drivers license number on your checks. 
  • Request that employers, schools, or other businesses do not use your social security number as an identification number.
  • Avoid using the same password or "easy" passwords.  Login information should be unique and should require a mix of letters, numbers, and special characters.  Change your login credentials often.
  • Install anti-virus and anti-spyware software on your computer.  Enable the firewall to protect your computer.  Keep your operating system and all other software up to date by installing patches/updates immediately.  Software vendors release such updates to fix security issues that have been identified, therefore keeping your system up to date lowers your risk.
  • Prior to selling personal computers or cell phone devices, make sure you have it properly cleaned of all personally identifiable information and your contact's information.

Action To Take When Your Identity Is Stolen

If you suspect that you are a victim of identity theft, act immediately!  Follow the steps below to ensure the best possible recovery.

  • Contact your Bank- Call or visit your bank immediately.  Request to close all accounts and debit/credit cards held by the bank.  The bank may require you to complete a "Notification of ID Theft" form.  Be sure to bring as much information as possible to assist in the process of eliminating future threats.
  • Contact your Credit Card Company- Contact all your credit card companies to report the suspicion of identity theft.  Close all cards and request the activity on your cards to see if any attempts to use the cards have been made.
  • Review your Credit Reports- The bank recommends using www.annualcreditreport.com to order a free annual credit report from  each of the three credit bureaus.  This site is provided by the credit bureaus to assist you in monitoring your credit for reasons such as identity theft.
  • Contact the Credit Bureaus- Contact each of the credit bureaus and request to establish an alert with each.  The following is the contact information for each bureau's fraud division:
    Equifax
    800-525-6285
    P.O. Box 740250
    Atlanta, GA 30374

    Experian
    888-397-3742
    P.O. Box 1017
    Allen, TX 75013

    TransUnion
    800-680-7289
    P.O. Box 6790
    Fullerton, CA 92634
  • Contact the FTC- Contact the Federal Trade Commission to report all attempted and/or suspicious activity by completing a FTC affadavit.  The FTC can be contacted via the internet at www.ftc.gov/complaint or 1-877-438-4338.

  
  

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