Farmers Bank

Proudly Serving Sumner and Robertson Counties Since 1912

Identity Theft and Fraud

What to do to protect your family.

Education is an important tool in avoiding identity theft and fraud. Learn more about protecting your family and what to do if you become a victim.

Alert:

Please do not respond to any email that directs you to update your personal information by dialing a telephone number.  The Farmers Bank will not request information from our customers in this way.  Should you have questions at any time, please contact us at your local branch.

 

Welcome to a new level of debit card security.

Our new Visa® debit cards feature EMV chip technology, which provides additional security and fraud protection.

The encrypted microchip embedded in the debit card stores information required to authenticate, authorize and process transactions.  No personal information about your account is stored on the chip card.  Unlike a magnetic strip card, it is virtually impossible to create a counterfeit EMV card.

Learn more:  WebPDF33_SmartCards

 

Red Flags for Identity Theft

Protect yourself by:

  • Reading your credit reports
  • Reading your bank, credit card, and account statements
  • Shred all documents that show personal, financial, and medical information
  • Don’t respond to e-mail, text, or phone messages that ask for personal information
  • Create passwords that mix letters, numbers, and special characters
  • Don’t use the same password for more than one account
  • If you shop or bank online, use websites that are encrypted and secure (https)
  • If you use a public wireless network, don’t send information to any website that isn’t fully encrypted
  • Use anti-virus and anti-spyware software and a firewall on your computer
  • Set your computer’s operating system, web browser, and security system to update automatically

 

Be aware of these warning signs:

  • Mistakes on your bank, credit card, or other account statements
  • Mistakes on the explanation of medical benefits from your health plan
  • Bill or collection notices for products or services you never received
  • Call from debt collectors about debts that don’t belong to you
  • A notice from the IRS that someone used your Social Security number
  • Mail, e-mail, or calls about accounts or jobs in your minor child’s name
  • Unwarranted collection notices on your credit report
  • Businesses turning down your checks
  • You are turned down unexpectedly for a loan or job

 

Full details at ftc.gov/idtheft

 

What to Do If Your Identity is Stolen

Immediate steps to take:

  • Place an initial fraud alert
  • Order your credit reports
  • Create an identity theft report

 

View full details at ftc.gov

Further reading: Taking Charge: What to Do if Your Identity is Stolen

 

Child Identity Theft

How to protect yourself and your child:

  • Keep all documents that show a child’s personal information safely locked up
  • Share your child’s Social Security number only when you know and trust the other party
  • Before you share personal information on the internet, make sure you have a secure connection (https)
  • Use a computer with updated anti-virus and firewall protection
  • Be sure to log-out when leaving a site
  • Limit the chances that your child’s information will be stolen or misused at school. Find out who has access to your child’s information and read the notices that the schools are required to send explaining yur rights under the Family Educational Rights and Privacy Act (FERPA).
  • Safely dispose of personal information – shred it and learn how to dispose of information that may be stored on your computer, cell phone, or other device
  • Share safety tips with your child, (i.e. don’t share passwords) and allert them to examples of phishing scams with e-mail, phone calls, or texts

 

Warning signs include, but are not limited to:

  • Collection calls
  • Denied government benefits
  • Government agency notification of employment
  • IRS notification of duplicate information of your dependent or another tax return

 

Full details at ftc.gov/idtheft

 

Free Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report, at your request, once every 12 months.

To order, visit annualcreditreport.com or call 1-877-322-8228. Additional options are available at consumer.ftc.gov