How
We Protect & Secure Customer Information
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| Keeping
financial information secure is our responsibility
and our commitment to you. |
|
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We protect
customer information through physical, electronic,
contractual and procedural measures that comply
with or exceed applicable laws and standards. |
|
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We train our
employees to protect customer information and
only authorize access for employees who we
believe have a business need for that information.
Employees are held accountable to properly
protect customer information. |
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|
We maintain
policies and procedures that provide for the
proper physical security of workspaces and
records. |
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We require contractors and other
companies that provide services on our behalf
to protect information, and we prohibit those
companies from using it for any other purpose.
We only provide them with information that
we believe is necessary to fulfill their responsibilities
or to provide a financial service to you. |
| Here Is How You Can Help |
| The following are some ways
you can protect yourself and your accounts: |
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|
Never
share your access codes with anyone. Remember,
a bank representative will never ask you for
your PIN. |
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We recommend
you change your access codes on a regular basis. If
you think your access codes have been compromised,
change them and contact us immediately. |
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Use only the
secure message service provided within Online
Services when sending or requesting account
or information about you. |
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Consider using
a personal firewall to prevent hackers from
invading your personal computer, especially
if you are using DSL or a cable modem to access
the Internet. |
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Install
virus protection software and scan all downloaded
software, as well as all diskettes, before
use. Also, delete emails with attachments from
unknown sources. |
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When you are
done with your transactions, always click on
the Logoff button on the Web site to exit the
application and prevent further access to your
account. When using a public PC (such as in
a library or school), also close the browser
when you are finished. |
| If you believe you may be a victim of identity theft: |
| 1. |
|
Contact us
to place holds on your accounts. |
| 2. |
|
Contact
the Social Security Administration's Fraud
Hotline at (800) 269-0271 to report fraudulent
use of your identification information. |
| 3. |
|
Report the
incident as quickly as possible to any one
of the credit reporting agencies:
Experian (888)
397-3742
Equifax (800)
525-6285
Trans Union (800)
680-7289
You should review your current credit bureau
report to identify any unauthorized accounts
or inquiries and ask the credit reporting
agency about placing a Victim Alert Flag
on your files.
|
| 4. |
|
File a police
report in your local jurisdiction and retain
the report number and the name of the officer
who took the report. |
| 5. |
|
File a complaint
with the Federal Trade Commission (FTC) by
contacting the FTC's Identity Theft Hotline:
(877) IDTHEFT. |
| How
to Protect Yourself |
| We
recommend that you follow these security
measures to protect and help prevent potential
misuse of personal information about you: |
|
|
Protect
and properly dispose of your account records. |
|
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Do not share
account information, passwords, user IDs, PINs,
code words or other confidential information
with others. |
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Do not provide
confidential information by telephone to unknown
callers. |
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Do not provide
confidential information online unless you
initiated the contact, know the party with
whom you are dealing, and provide the information
through a secure channel. |
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When
conducting business over the Internet, always
use a secure browser, exit online applications
as soon as you finish using them, and make
sure you have virus protection and a firewall
and update them regularly. |
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Monitor your
credit report for accuracy. By law, you are
entitled to receive one free credit file disclosure
every 12 months from each of the nationwide
consumer credit reporting companies. To learn
more or request a copy of your credit report,
visit http://www.annualcreditreport.com or
call (877) 322-8228. |
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