Identity Theft Protection provides you with the peace of mind of knowing you have secured your identity and your future. Sign-up is easy.
To enroll, simply click here or on the image below.
If your debit card is lost or stolen after bank hours, one phone call can safely cancel your card and stop thieves from accessing your account.
You DO NOT need to know your card number. Remember, the bank will NEVER ask for your card number. You will need to know the name and address the card is under.
Here are the steps you will need to take:
You should also log in to online banking and check your account. Make note of any recent transactions that were not made by you and discuss those with the bank as soon as possible.
Identity Theft, Phishing, Pharming, Check Scams, Mail Fraud, Phone Scam Solicitations, all of these items are various types of Fraud. You can help protect yourself from these and other types of fraud by protecting your personal and financial information and by using caution when providing confidential information.
Identity theft is the most popular and profitable form of consumer fraud. It occurs when someone uses your personal information such as your name, date of birth, social security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
Establishing (or attempting to establish) an account(s) using another person's identity.
Establishing (or attempting to establish) control of an existing account(s) without authority of the account holder. Account takeover does not include solely the posting of unauthorized transactions against an existing account, such as a forged maker signature, counterfeit, and credit card misuse.
Credit Card fraud can occur when someone takes your card and uses it without your consent. It can also happen when the card sits safely in your wallet.
The most common form of check scams is the phony sweepstakes scam. A letter is received notifying the individual they have won the lottery. They may even get the prize check in the mail with a congratulatory notice. The victim is instructed to deposit the check and wire money to the sender to cover taxes and fees. The check is returned as a fraudulent check and the victim must make restitution to the bank for the money they wired to the scammers.
Similar scams include the use of fraudulent money orders, cashier checks and travelers checks. The reason for receiving the “money” may be different, but the concept is the same. Cash or deposit the item and send the scammer a portion of the money.
Scammers will attempt to randomly call people with hopes to lure them with cash gifts or prizes in exchange for personal or account information.
Pharming occurs when you type in a web address and it redirects you to a fraudulent website without your knowledge or consent. The website will attempt to look similar to the legitimate site in hopes of capturing your confidential information.
Vishing occurs when an email is sent asking you to call a fake phone number. The number is set up to sound like a legitimate financial institution's phone system, prompting you to type in your 16 digit credit card number and expiration date to verify your information. Once you do that, you have just given the scammers all the information they need to have access to your account.
Phishing is the use of fraudulent emails or pop-up webpages that appear legitimate and are designed to deceive you into sharing both personal and account information. The email directs the user to visit a website where they are asked to update personal information, such as passwords, credit card information, social security number, and bank account numbers. (This is all information that a legitimate organization would already have on record.) The website is bogus and set up only to steal the user’s information.
Email spoofing may occur in different forms, but all have a similar result. A user receives an email that appears to have originated from one source when it actually was sent from another source. Email spoofing is often an attempt to trick the user into making a damaging statement or releasing sensitive information (such as passwords).
If you ever receive an e-mail requesting personal information from TruPoint Bank, do not respond. We do not request personal information such as social security number, account number, or account information via email. Please forward the email to firstname.lastname@example.org or call a local TruPoint Bank office to report the fraudulent request.
Don't give out financial information or other personal information, such as your Social Security number, over the telephone or through email unless you initiated the call or email.
If you receive any telephone inquiries, such as those asking you to confirm or verify your information on any TruPoint Bank account, contact your local branch and speak with a TruPoint Bank representative to confirm that the call is legitimate.
To prohibit telemarketers from calling you, register your home and cellular phone numbers with the Federal Do Not Call Registry by calling (888) 382-1222 or go to www.donotcall.gov. Shred any documents containing bank or credit information, especially pre-approved credit offers. To opt out of pre-approved credit offers, call 1-888-567-8688. Keep your PINs and passwords a secret. Do not write them down or share them with anyone.
Don’t carry important documents such as your social security number, birth certificate, or passport in your purse or wallet.
Keep your PINs and passwords confidential.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting agencies — Equifax, Experian, and Trans Union — to provide you with a free copy of your credit report, at your request, once every 12 months. To order your free annual credit report, select one of the following two options:
You will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
Your credit report contains information on where you work and live, accounts opened in your name, how you pay bills, and whether you have been sued, arrested, or filed for bankruptcy. If you have already received your free credit report in the last twelve months, you can order an updated copy from the following three agencies:
Call your local TruPoint Bank office to report fraud on your account or if you have questions regarding fraud.
Contact one of the three major credit bureaus to place a fraud alert on your credit report, as well as a victim's statement asking that creditors call you before opening new accounts or changing existing ones. As required by law, that credit bureau will report the information to the other two bureaus for you. Contact creditors for any accounts that have been compromised. Always follow up with a letter and keep copies of everything. Close compromised accounts and assign passwords to new ones.
Federal Trade Commission - www.ftc.gov/idtheft
Department of Justice - www.usdoj.gov/criminal/fraud/websites/idtheft.html
Social Security Administration - http://ssa.gov