|Overview||Understanding Identity Theft||Protect Your Identity||Common Scams||Recourse After Fraud||Business Security Resources|
Protect Your Identity
You can protect yourself against most forms of identity theft. The first step is education. To make it easier to understand, we’ve divided identity theft into the five “Danger Zones.”
For more information on the five "Danger Zones" watch the video. If you think you may be a victim of identity theft, please contact us right away.
Online Banking Alerts
Use the alert functions within Home Federal’s Online Banking to receive various types of alerts regarding your account. To set up these alerts, go to the “My Alerts” tab within online banking.
How to Protect Yourself
- Don’t share your secrets.
Keep your Social Security number private. Don't have it printed on your check blanks, and don't carry it with you in your wallet. Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites. Here's 7 more tips on how to protect yourself online.
- Shred sensitive papers.
Shred receipts, unused check blanks and cancelled checks, banks statements and unused credit card offers before throwing them away. Shredding sensitive information doesn't mean tearing papers in half before disposal, you should invest in a good paper shredder.
- Keep an eye out for missing mail.
Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking and sign up for E-Notifications to eliminate paper statements in the mail. Also, don’t mail bills from your own mailbox with the flag up. Online bill pay is an excellent, secure solution.
- Use online banking to protect yourself.
Through online banking, you can monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500. You can also sign up for free online bill pay to make fast and secure payments.
- Monitor your credit report.
Order a free copy of your credit report every 12 months from one of the three credit reporting agencies at annualcreditreport.com. If you identify a suspicious loan, account or collection item, contact the credit reporting agency that provided your report.
- Protect your computer.
Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure. Make sure you log off the site when you are through to close any access to the site and turn off or lock your computer when not in use.
- Protect your mobile device.
Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to erase it using specialized software or using the manufacturer’s recommended technique. Some software allows you to erase your device remotely if it is lost or stolen. Click here for 10 tips on how to protect your mobile device.
Report any suspected fraud to your bank immediately.
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