peppers

Disclosures

Security - How We Protect & Secure Customer Information

 

Keeping financial information secure is our responsibility and our commitment to you.

  • We protect customer information through physical, electronic, contractual and procedural measures that comply with or exceed applicable laws and standards.
     
  • 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.
     
  • We maintain policies and procedures that provide for the proper physical security of workspaces and records.
     
  • 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:

  1. Never share your access codes with anyone. Remember, a bank representative will never ask you for your PIN.
     
  2. 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.
     
  3. Use only the secure message service provided within Online Services when sending or requesting account or information about you.
     
  4. 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.
     
  5. Install virus protection software and scan all downloaded software, as well as all diskettes, before use. Also, delete emails with attachments from unknown sources.
     
  6. 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
     
  4. 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.
     
  5. File a police report in your local jurisdiction and retain the report number and the name of the officer who took the report.
     
  6. 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.
     
  • Do not share account information, passwords, user IDs, PINs, code words or other confidential information with others.
     
  • Do not provide confidential information by telephone to unknown callers.
     
  • 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.
     
  • 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.
     
  • 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.