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Bank of America Privacy & Security Customer Service
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Our privacy notices apply to personally identifiable information about a client or a client's current or former relationship with Bank of America that is not publicly available. We collect and use various types of personal information for our everyday business purposes, for example: to process transactions, service and maintain accounts, comply with laws and regulations and better respond to your needs.
Personal information does not include aggregated or de-identified data that we may create or compile from various sources, including accounts and transactions. This information, which does not identify individual clients, is used for business purposes which may include offering products or services, research, marketing, analyzing market trends and other purposes consistent with applicable laws.
View all privacy & security FAQs »
To help protect your info, please be on the alert for emails that look suspicious. Here are some signs that an email may be fraudulent:
Unusual content, including poor spelling and grammar or words spelled in UK-style English
.our fraud programme detected unusual activity on your Bank of America account.
Urgent call to action
If you do not respond to the link above immediately.
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Despite your best efforts to manage the flow of your personal information or to keep it to yourself, the skilled identity thief can get your personal information by many means, both technology based and people based, including:
- Stealing your purse or wallet
- Pilfering information from your mail box such as bank statements and pre-approved credit card applications
- Stealing your Driver's License number or Social Security number if you imprinted them on your personal checks.
- Observing your transactions at automated teller machines or store check-out terminals to capture your personal identification number (PIN)
- Going through trash for credit card receipts or loan applications
Here are a few simple steps to always keep in mind:
- Do not share your User ID or Passcode with anyone. Royal Business Bank (RBB) employees will never need to know your Passcode and you should never furnish it to anyone claiming to represent RBB. (Please note: If you call RBB, we may ask for your User ID as verification.)
- Never disclose personal information to anyone who should not have access to your accounts. This would include information such as your Social Security number, credit card numbers, bank account numbers or any personal identification numbers (PIN). (Please note: If you call RBB, we may ask for your Social Security Number as verification.)
- Do not print your driver’s license number or Social Security number on personal checks.
- Report lost or stolen checks or bank cards immediately.
- Store new and cancelled checks in a secure location.
- Memorize your personal identification number. And, whenever you select your own PIN, never use information that could be readily found in your wallet or purse, such as your house number or date of birth.
- Online banking is a great resource for monitoring your accounts. You have direct access to your accounts and transactions 24 hours a day with any Internet connection.
- Review monthly financial statements promptly and report any discrepancies immediately. Never ignore suspicious charges on your statements. If doubtful or unauthorized charges appear on your bills or statements, call immediately to resolve the discrepancy.
- If regular bills or statements stop coming to you, take action. Call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.
- Retain all receipts from ATM, debit and credit card transactions until they have been reconciled to your statements. When you’re ready to dispose of them, make sure your account number is not readable.
- Be sure to sign new bankcards immediately.
- Do not carry, on a routine basis, important documents you do not need on a daily basis, such as your Social Security card, passport or birth certificate. If lost or stolen, an identity thief could use them. Carry them only as needed.
- Destroy cards you no longer use, making sure the numbers are not recognizable.
- Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers.
- Question emails or phone inquiries that appear to be suspicious. Unless you initiated the contact, RBB Bank will not request your personal information (e.g., account number, Social Security number or mother's maiden name) through email, U.S. mail or by phone. Please notify us immediately if you receive unusual calls or emails claiming to be from Royal Business Bank. Be especially wary of those requesting account information to "award a prize" or "verify a statement." Report unusual inquiries or other suspicious activity to your telephone company, Royal Business Bank or local law enforcement authorities. If you are unsure of any email correspondence, call RBB at 1-888-616-8188. (Please note: We occasionally use third parties to perform surveys via email. We will never ask for personal information.)
- Never provide your financial information to an unfamiliar website. RBB will never request such an action.
To learn more about identity us bank fraud department hours, please visit: http://www.fdic.gov/consumers/consumer/alerts/theft.html
Phishing / Email Fraud
On the Web, there are new types of criminals called "phishers". These people may send very realistic e-mails pretending to be from your bank or some other organization you trust.
Webopedia defines "phishing" as the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft.
The email directs the user to visit a Web site where they are asked to update personal information, such as passwords and credit card, social security, and bank account numbers, that the legitimate organization already has.
The Web site however, is bogus and set up only to steal the user’s information. Because it is relatively simple to make a Web site look like a legitimate organizations site by mimicking the HTML code, the scam counts on people being tricked into thinking they were actually being contacted by a legitimate company and are subsequently going to a bogus site to update their account information.
By spamming large groups of people, the "phisher" counts on the e-mail being read by a percentage of people who actually have listed credit card numbers with the company they are portraying.
The best way to protect yourself from this type of scam is to never give out personal information by email or phone if you have not initiated the request.
How Do I Protect Myself?
Never provide your personal information in response to an unsolicited request.
- If you believe the contact may legitimate, contact them yourself.
- Never provide your password over the phone or in response to unsolicited internet request.
- Never reply to an email that ask for personal information and tells you to access the link provided in the email.
- Change your password frequently. It is recommended that you change your password at least every 60 days.
- Watch out for emails that say “urgent” or “time sensitive”. This is generally a scam for your financial information.
- Review account statement regularly to ensure all charges are correct and make sure that they are arriving in a timely manner.
- Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the Internet, if you did not initiate the contact.
- Never click on the link provided in an email you believe is fraudulent. It may contain a virus that can contaminate your computer.
What Do I Do If I Think I Am a Victim?
You should report all suspicious emails to the Federal Trade Commission through the internet at http://www.consumer.ftc.gov, or by calling 1-877-ID Theft or you can visit the following websites to get more information:
Where Do Customers Go For Help?
If a customer suspects they have given information to a phishers, it is important for them to act immediately. For information on how a customer can put a "fraud alert" on their files at the credit reporting bureaus, and for other advice for ID theft victims, contact the Federal Trade Commission’s ID Us bank fraud department hours Clearinghouse at: http://www.consumer.gov/idtheft or call 1-877-438-4338.
Report any phishing ATTEMPTS by contacting the National Fraud Information Center/Internet Fraud Watch. Alert the company the phisher was impersonating, and their local law enforcement agency. http://www.fraud.org/
Online and Computer Security Tips
Before you surf the web, you should follow the following steps to ensure the computer’s security:
- Use an Internet firewall-Firewalls provide additional protection for you home computer. Many operating systems come with firewall protection.
- Update your computer-If your computer is older than five years, its operating system may not offer the same level of protection as newer systems.
- Use up-to-date antivirus software-Virus protection software helps to reduce the risk of contracting computer viruses that can compromise your computer and personal security while online.
- Use up-to-date antispyware software- Spyware software monitors or controls your computer use, it may be used to send you pop-up ads, redirect your computer to websites, monitor your Internet surfing, or record your keystrokes, which, in turn, could lead to the theft of your personal information.
- Use a current web browser-We continually upgrades our online services to providing you with the most secure us bank fraud department hours services. If you have problems accessing our online banking services, you may need to upgrade you browser.
- Use secure websites-Make sure the web page you are viewing offers encryption of your data. If you see a lock symbol in the lower right-hand corner of your browser window, or if the web address of the page you are viewing begins with https://, this indicates that web page is secure and uses encryption. We provide 128-bit encryption, the highest level available today.
- Use stronger password-Your passwords are the keys you use to access personal information that you’ve stored on your computer and in your online accounts. To an attacker, a strong password should appear to be a random string of characters. A strong password should be lengthy, combine numbers, letters and symbols.
- Disconnect the Internet-If you're not using your computer for an extended period, disconnect it from the Internet. When it's disconnected, the computer doesn't send or receive information from the Internet and isn't vulnerable to hackers.
- Don’t download program from file-sharing-File-sharing can give people access to a wealth of information, you download special software that connects your computer to an informal network of other computers running the same software. Millions of users could be connected to each other through this software at one time. Often, the software is free and easy to access.
Computer Criminals-The FBI needs to hear from you: http://www.ic3.gov/.
Internet Fraud-If a scammer takes advantage of you through an Internet auction, when you're shopping online, or in any other way, report it to the Federal Trade Commission at: https://www.ftc.gov/.
Deceptive Spam-If you get deceptive spam, including email phishing for your information, forward it to [email protected] You also may report phishing email to [email protected]
Divulged Personal Information- If you believe you have mistakenly given your personal information to a fraudster, file a complaint at https://www.ftc.gov/, and then visit the Federal Trade Commission's Identity Theft website at https://www.identitytheft.gov/.
ATM Card Security Tips
- Treat us bank fraud department hours ATM card like cash. Always keep your card in a safe place. It's a good idea to store your card in a card sleeve. The sleeve protects the card's magnetic stripe and helps ensure the card functions properly.
- Keep your "secret code" a secret! Your ATM card will only work with your Personal Identification Number (" PIN"). Memorize your code. Never write it on your card or keep it with your card. Never tell your code to anyone. And never let someone else enter your code for you.
- Take your ATM receipt with you. Do not leave it at or near the ATM.
- Do not give out any information about your ATM card over the telephone. No one needs to know your PIN; not even your financial institution.
- Report a lost or stolen card at once. Promptly report a lost or stolen card to reduce the chance that it will be used improperly. You will be issued another card.
- Check your receipts against your monthly statement to guard against ATM fraud. You get a receipt every time you make an ATM transaction. Verify each transaction by checking the receipts against your monthly account statements.
- Always observe your surroundings before conducting an ATM transaction. If you are driving to an ATM, park as close as possible to the terminal. Observe the entire area from the safety of your car before getting out. If you see anyone that appears to be suspicious, leave the area at once.
- If an ATM is obstructed from view or poorly lit, go to another ATM. Report the problem to the financial institution that operates the ATM.
- When possible, take a companion along when using an ATM, especially at night.
- Minimize time spent at the ATM by having your card out and ready to use. If the ATM is in use, give the person using the terminal the same privacy you expect. Allow them to move away from the ATM before how do you add your credit card to cash app approach the terminal.
- Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount. Once you have completed your transaction, take your money, card, and receipt, and immediately move away from the terminal.
- If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
- If anyone follows you after making an ATM transaction, go immediately to a crowded, well-lit area, and call the police.
If you suspect unauthorized use of your Card or to report your Card lost or stolen, immediately visit your Royal Business Bank branch of account during lobby hours or call us at 1-213-627-9888 during regular business hours, which are Monday through Thursday, 9:00AM to 4:30PM and Friday 9:00AM to 5:00PM. To report unauthorized use of your Card or to report your Card lost or stolen AFTER BUSINESS HOURS, please call our Fraud Prevention Center at 1-800-554-8969.
Credit/Debit Card and Bank Account Security Tips
- Report lost or stolen cards and checks immediately.
- Check your account activity online or telephonically frequently and report any discrepancies or suspicious charges immediately.
- Review account statement carefully. Regular account review helps you to quickly detect and stop fraudulent activity.
- With Royal Business Bank online banking you can monitor your account activities any time.
- Don’t imprint or write down your driver’s license number or Social Security number on your checks.
- Always keep your credit/debit card, new and cancelled checks in a safe and secure place.
- Use tamper-resistant checks. Royal Business Bank includes many safety features to deter alterations.
- Do not give out your card number over the phone unless you initiated the call.
- Cancel and cut up unused credit and other cards.
- Ensure no one sees your PIN when you enter it.
- When selecting a Personal Identification Number (PIN) don’t use any number or word that appears in your wallet (such as name, birth date, or phone number).
- When conducting online purchases, make sure the site is secured with encryption to protect your account information.
- Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
- Shop with merchants you know and trust.
- Always log off from any website after a purchase transaction made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
- Safe-keep or securely dispose of your transaction and ATM receipts.
Cyber Security Tips for Small Business
Businesses need a cybersecurity strategy to protect their own business, their customers, and their data from growing cybersecurity threats. Visit FCC for a Cybersecurity Tip Sheet which outlines the top 10 ways entrepreneurs can protect their companies - and customers - from cyber attack: https://apps.fcc.gov/edocs_public/attachmatch/DOC-306595A1.pdf
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Contact us at our Fraud Liaison Center at 877-595-6256 right away if you're a victim of the following circumstances:
- Suspicious activity appears on your account.
- You're a victim of identity theft.
- You received a suspicious email or text message and responded.
If you received a suspicious email or text message and did not respond, please forward it to us at [email protected]
- List your account relationship(s) with us (e.g. checking and credit card).
- Tell us if you've recently enrolled for online banking or bill-pay.
- What internet service provider do you use.
- What type of connection do you have (e.g., cable, dial-up, DSL, etc.).
- Tell us if you have a firewall installed on your computer.
We take your security very seriously. U.S. Bank will never send you an email asking you to click a link to verify yourself, or ask for personal or account information. Your quick action helps U.S. Bank fight fraud.
At Regions, we are committed to helping you protect yourself from fraud. Should you encounter fraud, phishing scams or identify theft, we provide guidance on how to notify us and necessary steps to take toward resolving the issue quickly.
Dispute a Transaction
If you’ve noticed a suspicious or unauthorized charge on your account, it’s a good idea to contact us quickly to dispute the transaction. Learn more using our detailed guidance for what you need to know before contacting us, as well as what to expect during the process of disputing a transaction.
Lost or Stolen Cards
Report a lost or stolen card by immediately calling us at 1-800-REGIONS (1-800-734-4667) or visiting your local branch. You may also use Online Banking or the Regions Mobile App by choosing “Card Services” within the menu. We provide options to report a lost or stolen card and to order a replacement card. We will ensure that your current card is canceled and that a new card is sent via U.S. mail.
Also, while we work together to resolve the issue, consider blocking activity on your Regions credit card, Now Card or CheckCard using LockIt® within the Regions Mobile App.
As soon as you realize that you may have been a victim of an identity theft, it is important to take immediate action. An aggressive response on your part may help reduce your exposure to financial loss.
Review your Regions account. You should first review all of your account transactions for any suspicious activity. If you have determined that your Regions accounts have been compromised, or you suspect that a Regions account exists that you did not open, please contact a Regions Banker at 1‑800‑REGIONS (734‑4667).
Use our Identity Theft Kit. Should you become a victim of identity theft, or if you believe your Regions Bank account information may have been compromised, please download the Regions Identity Theft Kit (en Español) immediately. This is a free service that can help Regions customers restore their financial identity.
Contact your local police department. In the event of identity theft, it is important that you notify your local police department and file a report. Be sure to request a report number or a copy of the report for your records and, if necessary, to include with any affidavits you may need to provide.
Contact the Identity Theft Clearinghouse. The Federal Trade Commission (FTC) maintains the Identity Theft Clearinghouse — the federal government’s centralized identity theft complaint database. We encourage you to contact them and report your identity theft. Visit the website or call toll-free at 1-877-438-4338.
In their continuing efforts to help resolve identity-theft-related problems, this information is shared with other government agencies, consumer reporting agencies and companies where the fraud was perpetrated.
Notify credit bureaus. It is highly recommended that you contact the three national consumer reporting agencies if you believe you have been a victim of identity theft. Ask each agency to place a “fraud alert” on your credit report and to send you a copy of your credit file.
Equifax — 1-800-525-6285 or equifax.com
Experian — 1-888-397-3742 or experian.com
TransUnion — 1-800-680-7289 or transunion.com
Document everything. Use the Regions Identity Theft Action Register provided in our Identity Theft Kit to document your process.
Email Fraud, Phishing or Spoofs
Fraudulent emails and websites designed to elicit your personal information can be very sophisticated and deceiving. Fraudulent emails, known as “phishing," can look very similar to Regions communications. If you see suspicious emails or online requests asking for information or actions regarding your financial information, do not click on the links or reply to the message. If you believe that you have received or replied to a suspicious email and provided private information about your Regions account, please contact us immediately at 1-800-REGIONS (1-800-734-4667) or via email at [email protected]
Security Frequently Asked Questions
What is a voiceprint?
Like a fingerprint, a voiceprint is a way to verify who you are. Like the lines in your finger are linked to your unique fingerprint, this print is based on your voice. It's composed of over a hundred different characteristics that represent your voice (e.g., the shape and size of your vocal tract). No one else has a voice just like you.
At TD Bank, with your permission, we can use your voiceprint to verify your identify so you can quickly get the help you want on the phone. Learn more about TD VoicePrint.
How do I enroll in TD VoicePrint?
It's easy as 1-2-3.
- Call Live Customer Service 1-888-751-9000
- Request to enroll in TD VoicePrint
- The customer service representative will get you set up
Simply put, the software does all the work in the background as you and the representative have a normal conversation. Once your voiceprint is captured, you will be asked to confirm your enrollment in TD VoicePrint.
Once captured, your TD VoicePrint will be stored for future use. A voiceprint is not a recording, or something that can be stolen. It can't be used to gain access to any other system or to create a recording of your voice.
Then, the next time you call, and for all the calls after (as long as you wish to remained enrolled), you can verify your identify simply by using your voiceprint. Learn more about TD VoicePrint.
What should I do if I suspect my online information has been compromised?
If you are a TD Bank Customer and believe you are a victim of fraud or identity theft, immediately contact Customer Service at 1-888-751-9000. Read more about Reporting Identity Theft.
How did my user name and password get compromised?
Most accounts are compromised by responding to a phishing e-mail, keylogger or Trojan Horse virus that was installed on your PC through a fraudulent e-mail or possibly by someone with whom you may have shared your user name and password. To prevent this from happening, we recommend the following actions:
- Install anti-virus software on your computer.
- Update your virus definitions regularly.
- Use good judgment before opening strange or unexpected e-mail attachments and/or files.
- Back up your data.
What is phishing?
Phishing (pronounced "fishing") is an electronic scam that attempts to obtain confidential personal or financial information from its target. It takes the form of a fake message, usually an e-mail, which appears to be from a financial institution or service provider. The message usually includes the company name, logo and a link to a website which instructs you to update your account information by providing your Social Security number, bank account number, PIN, password, birth date, etc. with a dire warning if action isn't taken. A phisher can then use your personal information to commit fraud. Learn more about phishing and how to protect yourself.
What is a keylogger?
A keylogger is a computer program that logs each keystroke a user types on a keyboard and saves this data into a file or transfers it via the Internet to a pre-determined remote host. It also can capture screenshots of the user activity, log-in passwords, record online chat conversations or take different actions in order to find out what a user is doing. Often downloaded inadvertently by users clicking on links in fraudulent e-mails, keyloggers pose the most dangerous threat to user privacy.
What are Trojan Horse programs?
Trojan Horse programs (including Remote Access Trojans or RATS) can be hidden in games, videos, music files or programs downloaded from the Internet or e-mail that install a malicious program on the target's computer. Many anti-virus programs will detect and remove Trojan Horse programs, but must be regularly updated to be effective.
Is it ok to send account information via e-mail?
No. Regular e-mail is not secure. Never e-mail personal financial information such as account numbers or your Social Security number. However, you can use the secure message feature within our online banking product.
Is it ok to provide my password when asked?
No. TD Bank will never ask for your password. We have alternative methods of verifying your identity.
How can I prevent becoming a victim of fraud or identity theft?
- Be suspicious of any e-mail with urgent requests for personal financial information.
- Don't click the links in an e-mail, instant message or chat if you suspect the message might not be authentic or you don't recognize the sender or user's address.
- Avoid filling out forms in e-mail messages for personal financial information.
- Always ensure that you're using a secure website when submitting credit card or other sensitive information via your web browser.
- Remember not all scam sites will try to show the "https://" and/or the security lock. Get in the habit of looking at the address line as well.
- Regularly log on to your online accounts and check your bank, credit and debit card statements to ensure that all transactions are legitimate.
- Ensure that your browser is up-to-date and security patches have been applied.
- Always report "phishing" or "spoofed" e-mails.
How secure is the TD Bank mobile app?
TD Bank offers extensive security features to ensure that you can conduct your banking in a safe and private online environment. The same industry standards we have always employed to keep our public website and our Online Banking secure also extend to our Mobile Banking application.
The TD Bank mobile app is safe and secure, protecting the confidentiality of customer account information and the integrity of all transactions.
What can I do to protect my security and privacy?
- Protect your Online Banking password. It is your key to accessing your accounts. Do not reveal it to anyone.
- Memorize your Online Banking password. Never store it on your mobile device, or write it on paper that you keep near your phone or carry with you.
- Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative.
- Never leave your mobile device unattended while using the TD Bank mobile app.
- Use your phone's built-in lock function. Virtually all mobile hardware includes a password-protect option. Set it to require a password every time the phone starts up – an extra step, but it can help protect you if the phone is lost or stolen.
What happens if I lose my phone?
If your phone is lost or stolen, it is unlikely that someone could access your account information unless us bank fraud department hours also know your Online Banking user name and password. However, to be safe, you should contact TD Bank as soon as possible by calling 1-888-751-9000.
To whom should I report internet fraud incidents?
If you are concerned that you have received fraudulent e-mail, disclosed confidential information or have questions about online security, immediately contact Customer Service at 1-888-751-9000 or e-mail us at [email protected]
For credit card related transactions, please contact TD Bank Visa® Credit Card at 1-888-561-8861.
What is TD Bank doing to help protect me from fraud?
TD Bank is committed to providing you with a secure online experience that protects your confidential information, our website and our apps. Read more about Our Online Security Commitment.
Where can I get more information on internet fraud prevention?
There are many websites that provide helpful information. View the Identity Protection Resources area of our Security Center for a list of resources.
Can I continue to use the Trusteer Rapport security software?
Yes. While the Trusteer Rapport security software from IBM is no longer available for download from our website, you may continue to use it to help protect your computer against malware.
This is recommended, if you use the software in conjunction with another financial institution.
If you only use it with TD, you may uninstall it at any time.
If you keep using the software, you might notice that the Trusteer Rapport icon in your browser appears gray, instead of green, when visiting the TD site.
TD is committed to protecting the integrity and security of your information and financial transactions. Learn more about our Online Security Commitment.
TD Bank serves customers who are deaf or hearing impaired and who use TTY (Text Telephone), Video Relay or other Operator Assisted Relay Services.
All Relay Operator Assisted calls, please call 1-888-751-9000.
Customers calling abroad can reach Customer Service by dialing direct at 1-856-751-9000 or calling collect with operator assistance at 1-215-569-0518. Please note, this number is only intended to work overseas and will not work within the U.S.
© 2016 Visa U.S.A. Inc.
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Helping you to stay safe.
Fraud is committed when criminals use your personal information to access your bank accounts, obtain loans, make purchases, rent an apartment in your name, get a job, get medical services, or otherwise use your identity for their own purposes.
Who is at risk?
Anyone who uses the internet is a potential target for fraudsters. At U.S. Bank, our first priority is protecting your personal information.
How we protect you:
- Our dedicated security teams are always on guard to anticipate, address and help prevent security threats.
- 24/7 surveillance and security systems strictly control access to all of our facilities.
- For added protection, U.S. Bank’s systems will automatically log you out of U.S. Bank Online Banking after 15 minutes of inactivity. This timed log off reduces the risk of unauthorized access to your account from an unattended computer.
- U.S. Bank’s mobile applications (for smartphones, iPads and other mobile devices) will automatically log you out after 5 minutes of inactivity. This shortened log-off period helps reduce risk from unauthorized access to your account if your mobile device is lost or stolen.
- We encrypt your confidential banking data to protect it on route to and from our servers.
- We monitor payment channels for suspicious transactions to detect fraud.
How you can protect yourself:
U.S. Bank needs you to be our partner in us bank fraud department hours fight against fraud. We can’t do it without you. To learn more, read 10 Steps to Minimize Your Risk of Fraud and Theft (PDF) and Fraud prevention tips (PDF).
What to do if your wallet is lost or stolen.
Read "Lost Your Wallet?" (PDF) to learn what to do if you have a lost or stolen passport, U.S. Bank cards, other credit or debit cards, driver’s license, checks, Green Card, Social Security Card, membership cards or insurance cards.
Make a list of everything in your wallet before you lose it.
- Credit or debit cards numbers
- Insurance cards (medical, car, etc.)
- Membership cards (gym, library, etc.)
- ID cards (driver’s license, school ID)
- Green Card
Include contact numbers in your wallet list so you have the information you need to cancel or reissue your cards. Store this information in a secure location that you can access if you lose your wallet. Note: Never carry your Social Security card in your wallet.
The more paper with personal information you have laying around, in your garbage cans, or sitting in your mailbox, the greater the risk of your personal information getting into the wrong hands.
Watch Your U.S. Postal Mail
Missing bills or statements may indicate someone is tampering with your mail or your identity. To cut down on mail fraud:
- Sign up for "Hold Mail Service" with the U.S. Postal Service if you plan to be away from home for 3 to 30 consecutive days. Call the U.S. Postal Service at 1-800-275-8777 or submit a "Mail Hold" request online. Download "Beyond the Bank" (PDF) to learn more about preventing mail fraud.
Switch from Paper to Online statements
- Getting U.S. Bank statements online eliminates your risk of identity theft or fraud as a result of stolen mail.
- Online statements provide all the same information as paper statements.
- The service is FREE.
- You can view and print statements, and manage your account online.
- And as a bonus, you’re helping U.S. Bank protect and conserve natural resources while improving your security at the same time.
Learn More about Online Statements
Eliminate Paper Bills with Internet Banking and eBills
- eBills are electronic versions of paper bills (for example, utility bills).
- By going paperless with eBills, you eliminate the risk of having bills lost or stolen from the mail.
- Thousands of companies are already signed up with the U.S. Bank eBill service.
With the U.S. Bank free eBill Service you can:
- Set up eBills to be paid automatically - or choose each payment date and amount.
- Make one-time payments, or set up recurring payments.
- Get alerts when an eBill is delivered or a payment is processed.
- See up to 18 months of payment history online.
Learn More About eBills
What Is Identity Theft?
The United States Federal Trade Commission defines identity theft as follows:
"Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud us bank fraud department hours other crimes."
Identity theft can happen to anyone, but there are steps you can take to minimize your risk of becoming a victim.
Don’t be a victim! Download "Fraud Prevention" (PDF)to learn how to arm yourself against identity thieves.
Install anti-virus, anti-malware, and anti-spam software
- Computer viruses can install malicious software ("malware") programs on your computer without you knowing it.
- Anti-virus and anti-malware software helps detect and remove viruses and other types of malware from your computer.
- Anti-spam software helps prevent spam and junk email from entering your inbox.
- Use reputable software.
- Don’t install software offered through pop-up windows warning you that your computer is infected. These may actually install malware!
- To securely close a pop-up window, do not click the "X" in the upper-right corner of the window. Us bank fraud department hours, right-click on the task bar button (at the bottom of your computer screen), and click Close, or use the Task Manager. If you cannot close the window using these methods, exit and restart your Internet browser.
Install a firewall and keep it turned on
- Your computer should have a firewall.
- Firewalls help protect your computer against criminals who want to crash your computer or delete or steal confidential information.
- Firewalls come prepackaged on some operating systems or can be purchased for individual computers.
- For more information about what you can do to protect your network, check out the National Security Agency's Best Practices for Keeping Your Home Network Secure:
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Use strong passwords and change them frequently
- A strong password should combine no fewer than 8 letters, numbers, and symbols.
- Never share your password with anyone.
- Create a unique user ID and password for online banking that you never use anywhere else (for example, webmail, social networking or any other online accounts).
- Don’t carry passwords around in your wallet—especially if they are listed along with usernames and websites.
- Never use a password you’ve seen used as an example or in a list of good or bad passwords – the bad guys like to start with these!
- Make your password easy to remember and hard to guess. For example, you can turn your dogs’ names – Spot and Rover -- into the password "Sp0t&R0v3r." Or you may want to convert the sentence "I love my dogs, Spot and Rover" to a password of "I<3mdS&R." It’s still meaningful and memorable but harder for someone else to guess. (And remember, don’t use either of these examples!)
Erase (or physically destroy) your hard drive before discarding your old computer
Private information stored on your computer’s hard drive should be erased or destroyed before you get rid of your computer. First, make a backup copy of any important data you want to save. Then, to erase information permanently, you must either wipe (or “scrub”) your hard drive with special software or physically destroy it (for example, by drilling holes in it). These steps are necessary because your files may be easily recoverable even after you have deleted them or put them in the “recycle bin” on your computer and emptied the bin. Learn more about how to safely dispose of old computers and hard drives.
Keep your system current
- Keep your computer operating system, Internet browser, and other software up-to-date for additional protection against fraud and theft.
- Most current operating systems have the ability to automatically update critical system files. Take advantage of this to better protect your computer.
- Regularly update Adobe Flash
- and Acrobat Reader for Windows or Macintosh
Change default passwords and network names
- When you buy a wireless router or cable modem, it comes with a default password set up by the manufacturer. Be sure to change the default password to your own unique password.
- Routers also come from the manufacturer with a default name (or “SSID”). This is the name that shows up when you search for a wireless network to get on the Internet. Don’t keep the default SSID. Instead, rename the network. (Refer to the manufacturer’s instructions)
- Following the manufacturer’s instructions, make sure the encryption (for example, WPA2 or WEP) on your wireless router is turned on.
The U.S. Bank Fraud Liaison team is here 24 hours a day, 7 days a week to protect you from theft and fraud.