Definition - Identity theft is when someone uses your personal information to use or buy or obtain something frequently in that persons name.

How Can I Avoid This?

1. Shred your bills that you are going to disregard.
2. Don't share your social security number.
3. Don't share your account number.
4. Read your bills and statements.
5. Password protect your accounts, (Don't Share your passcode)

I think I Have Been A Victim Of Identify Theft What Can I Do?

1. Call the police and find out what they say.
2. Contact the place were the identity theft happened.
3. Call your credit card company.
4. Call your credit bureau.
5. If applicable change your social security number.

Identity Theft References:

United States Social Security Administration: http://www.ssa.gov/pubs/idtheft.htm

Federal Trade Commission www.consumer.gov/idtheft
877-IDTHEFT (877-438-4338)

The Federal Deposit Insurance Corporation (FDIC):  www.idtheft.gov

Credit Bureaus

Equifax
www.equifax.com
To report fraud, call: 888-766-0008 and write: P.O. Box 740241, Atlanta, GA 30374-0241

Experian
www.experian.com
To report fraud, call: 888-EXPERIAN (888-397-3742)

TransUnion
www.transunion.com
To report fraud, call: 800-680-7289 and e-mail: fvad@transunion.com or write: Fraud Victim Assistance Department, P.O. Box 6790, Fullerton, CA 92834-6790

Opt-Out Organizations

Credit Cards
To opt out of receiving pre-screened credit card offers, please call 888-5OPTOUT (888-567-8688).

Federal "Do Not Call" Registry
http://www.ftc.gov/bcp/edu/microsites/donotcall/index.html

Direct Marketing Association

• Direct Mail Marketers: https://www.dmaconsumers.org/cgi/offmailing
• Telemarketing: www.dmaconsumers.org/cgi/offphone
• E-mail: http://www.dmaconsumers.org/consumers/optoutform_emps.shtml

Additional Resources

Social Security Number Theft and Misuse
Social Security Administration: www.ssa.gov

Mail Theft
www.usps.gov/websites/depart/inspect

USA Patriot Act

Help Us Prevent Identity Fraud And Fight Terrorism.

Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, federal law (The USA Patriot Act) 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.

Thank you for your understanding and help.