Identity Theft Prevention

We want to work with you, our customers, to help protect you and your personal or business information from fraud,ID theft and other crimes. Our professionals serving you are well-trained in safety and security and we maintain the most stringent internet security practices to protect your information. We also want to arm you with information you can use to help protect yourself.

Preventing Business-related Check Fraud

Businesses are primary targets of check fraud professionals, especially by organized rings of criminals, and payroll checks appear to be a favorite. Use a combination of precautions to greatly reduce the likelihood of check fraud.

  • Order checks and deposit slips wisely. Use an established, respectable source to ensure your checks will process easily through the bank's clearing system. Notify your check supplier (and financial institution, if necessary) if a new check order has not been received within a reasonable time frame.
  • Maintain adequate physical security of your checks, deposit slips, etc.: Secure all reserve supplies of checks, deposit slips and other banking documents in a locked facility and limit the number of people with access. Change the locks on your facility when an employee leaves. Never leave checks or bank records unattended.
  • Maintain adequate physical security of your checks, deposit slips, etc.: Secure all reserve supplies of checks, deposit slips and other banking documents in a locked facility and limit the number of people with access. Change the locks on your facility when an employee leaves. Never leave checks or bank records unattended.
  • Reconcile your account promptly and regularly. Quick fraud detection increases the likelihood of recovery.
  • Issuing checks: Limit the number of official signers. Require more than one signature on large dollar checkamounts.
  • Assign accounts-payable functions. Divide these functions to more than one person and make each personresponsible for different payment areas. This division of responsibility makes it more difficult for employees totamper with checks and payments. Immediately notify the bank of any change to your accounts payable process and personnel.
  • Use Positive Pay, which records pertinent information about each check (the amount, check number, bankinformation and date) and transmits it to the bank to be verified before the check can be paid.

Preventing Customer-related Check Fraud

  • In General: Reconcile your bank statement within 30 days of receipt in order to detect any irregularities. Never give your account number to people you do not know, especially over the telephone (be particularly wary ofunsolicited phone sales). Unless needed for tax purposes, destroy old canceled checks, account statements,deposit tickets, and ATM receipts.
  • Ordering Checks: When you receive your check order, make sure all checks are included. Report any missing checks to your bank immediately. Make sure your checks are endorsed by your financial institution and incorporate security features that help combat counterfeiting and alteration. Store your checks, deposit slips, bank statements and canceled checks in a secure and locked location.
  • Writing Checks: Limit the amount of personal information on your check - do not include your Social Security Number, driver's license number, telephone number or credit card number. Don't leave blank spaces on thepayee and amount lines. Don't make a check payable to cash – if it's lost or stolen, the check can be cashed by anyone.
  • Accepting and Depositing Check Payments: If someone pays you with a cashier's check, have them accompany you to the bank to cash it. Make sure you obtain identification information from the individual. Usethe pre-printed deposit slips affiliated with your account, and be sure the account number on your slip is correct. Criminals can alter deposit slips, hoping you won't notice and the money goes into their account. Never endorse a check until you are ready to cash or deposit it. The information can be altered if it is lost or stolen.

ATM/Debit Card Safety

  • Select an ATM with which you are familiar and choose well-lit, well-placed ATMs where you feel comfortable. Be wary of suspicious looking individuals nearby. Have your card ready in your hand before you approach the ATM. Take notice of any hidden cameras, unusual attachments to the card slot or key pad, unusual instructions on the display screen, and suspicious blank screens. If you suspect that the ATM has been interfered with, do not use it.
  • When using the ATM, stand close and shield the keypad with your hand when entering the PIN. Do not allowanyone to distract you.
  • Protect your PIN by memorizing it. Avoid obvious and guessable numbers for your PIN like your date of birth. Change your PIN periodically, and if you think it may have been compromised, change it immediately. Neverdisclose your PIN to anyone.
  • In general, treat your cards as if they were cash. Do not leave them unattended. Make a list of your card account numbers and telephone numbers for reporting lost or stolen cards and keep the list in a safe place. And, report all suspicious activity immediately.

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