Know what to look for and what to avoid.
- Don't give personal information over the phone, through the mail, or on the internet unless you know who you're dealing with, and preferably only if you've initiated the contact.
- Never give out your Social Security Number, driver license number or date of birth. If you must share personal information, confirm that you are dealing with a legitimate organization.
- If you receive an email asking for personal information, do not hit the reply button or click on any link in the email. Instead, go directly to the sender's website by typing in its web address.
Personal and Public Computers
- Be cautious when using public hotspots and check your wi-fi auto connect settings. If you have a wireless network at home, be sure it is encrypted and password-protected. Be sure to change the default settings on your wireless router.
- Don't walk away from your computer if you are in the middle of an online banking session, always make sure to log off when completed with your session
- Install a personal firewall on your computer.
- Install, run and keep anti-virus and all other software updated.
Smartphones & Tablets
- Use the keypad lock or phone lock function on your mobile device when it is not in use. These functions password-protect your device to make it more difficult for someone else to view your information. Also be sure to store your device in a secure location.
- If you lose your mobile device, or change your mobile phone number, remove the old number from your mobile banking profile.
- Immediately tell your mobile service provider and your bank if you lose your phone.
- Never provide personal identification, or banking information over your mobile device unless you initiate the contact and you know that you're dealing directly with your bank.
- Never share your password, account number, PIN and answers to secret questions. Don't save this information anywhere on your phone.
- Only download mobile apps from reputable sources to ensure the safety of your personal account information.
- For your security, sign off when you finish using our mobile banking app rather than just closing it.
- Don't set an app, web or client-text service to automatically log you into your bank account. If your phone is lost or stolen, someone will have free access to your money.
- Set the phone to require a password to power on the handset or wake it from sleep mode.
- If something sounds too good to be true it probably is
- When banking and shopping online, check to be sure the site is securely enabled. Look for web addresses with https:// which means the website takes extra measures to help secure your information.
- Please note http:// is not secure.
- Change your passwords every 90 days. Use alpha, numbers and symbols for a strong password. Avoid using easily-recognizable dictionary words or phrases.
- Don't use the same password for multiple sites. This can help minimize the chance of a hacker gaining access to other accounts.
- If you believe you are the victim of identity theft here are some steps you should complete:Contact your Financial Institution Immediately
- Contact Credit Reporting Agencies to place Fraud Alerts on your account
- Ask each of the agencies to provide you a free copy of your credit report
- Review for accounts that were opened in your name, but not by you.
- Equifax 1-800-525-6285
- Experian 1-888-397-3742
- TransUnion 1-800-680-7289
- You may want to consider placing a 'Credit Freeze' on your accounts
- File a complaint with the Federal Trade Commission (FTC) at www.ftc.gov/complaint. You will get a copy of a form called 'Identity Theft Affidavit'. This will assist in dealing with businesses and creditors who opened accounts in your name.
- File a police report
- Consider closing your credit card accounts
- Change your computer passwords
- Contact the state transportation department to determine if a new driver's license/ID was issued in your name
For assistance in handling an identity theft situation, please stop into one of the Starion Bank branches and visit with a banker or visit www.identitytheft.gov for more information.
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Starion Bank is a full-service financial institution with branches in North Dakota and Wisconsin.