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Website Disclaimer:
Citizens
State Bank does not control the content of or approve any website that is
linked through the Citizens State Bank Web Site. Search results are not filtered
or screened by the bank or any of its agents, representatives or service
providers. Users who search the Internet using their browser do so at
their own risk and are responsible for the results.
Fraud Prevention:
Here's what you can do to stop Identity
Theft or Fraud crimes before they happen, and protect your assets and
your good name:
1.
Do not give out financial information such as checking
account and credit card numbers—especially your social security number—on
the phone unless you initiate the call and know the person or
organization you’re dealing with. Do not give that information to
any stranger, even one claiming to be from the bank.
2.
Do not have your sensitive information pre-printed on
your checks, such as your driver’s license, telephone or social security numbers.
3.
Do report lost or stolen checks immediately. We will
block payment on the check numbers involved. Also, review new checks to
make sure none has been stolen in transit.
4.
Store cancelled
checks and new checks in a safe place.
5.
Notify the bank of
suspicious phone calls such as those asking for account information to
"verify a statement" or "award a prize."
6.
Guard your Personal
Identification Numbers (PINs) for your ATM and credit cards, and don’t
write on or keep your PINs with your cards. You should also guard your
ATM and credit card receipts. Thieves can use them to access your
accounts.
7.
Be creative in
selecting Personal Identification Numbers (PINs) for your ATM and credit
cards, and passwords that enable you to access other accounts. Do not
use birth dates, part of your social security number or driver’s license
number, address, or children’s or spouse’s names. Remember: If
someone has stolen your identity, he or she probably has some or all of
this information.
8.
If you receive financial
solicitations that you’re not interested in, shred or tear them up before
throwing them away, so thieves can’t use them to assume your identity.
Destroy any other financial documents, such as bank statements or
invoices, before disposing of them.
9.
Do not put outgoing mail in or on your mailbox. Drop it
into a secure, official Postal Service collection box. Thieves may use
your mail to steal your identity.
10. If regular bills fail to reach you, call the
company to find out why. Someone may have filed a false change-of-address
notice to divert your information to his or her address.
11. If your bills include suspicious items, don’t
ignore them. Investigate them immediately to head off any possible fraud
before it occurs.
12. We require the use of a browser that supports
128-bit encryption for online banking. 128-bit encryption is a level of
data protection that is commonly available in today's Internet browsers
and is needed to provide the approximate level of security we provide for
our non-Internet based online banking products.
Another online safety feature is your password. Every time you log on to
online banking, you are required to enter your ID and password. You
control both and can change your password at any time. For your
safety, you should never reveal your password to anyone.
13. Contact the major credit reporting companies
periodically to review your file and make certain the information is
correct. For a small fee, you can obtain a copy of your credit report at
any time. (Please note that in some states or municipalities, you may be
legally entitled to these reports free of charge. Check with the credit
bureau when ordering the report.) The three major credit bureaus are:
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- Equifax 1-800-525-6285
- Experian 1-888-397-3742
- TransUnion 1-800-680-7289
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If You’re a Victim of Identity Theft or Fraud:
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The unauthorized use of someone’s identity is a serious matter
to us at Citizens State Bank.
If you’re a victim of identity theft or fraud, you should call us
immediately. We will work with you to correct all unauthorized
transactions in your bank accounts and correct any incorrect reports to
credit bureaus, and will attempt to protect you from any future
identity theft or fraud. We suggest that you immediately:
- Call the fraud
departments of all three credit bureaus. Ask them to put a
"fraud alert" on your file. This tells creditors to call
you before they open any more accounts in your name.
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- Equifax 1-800-525-6285
- Experian 1-888-397-3742
- TransUnion 1-800-680-7289
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- Contact
your local police and ask to file a report. Even if the police
can’t catch the identity thief, having a police report can help
you in clearing up your credit records later on.
- File a complaint with the Federal Trade
Commission (FTC). Call the FTC’s identity theft hotline toll-free
at 1 (877) IDTHEFT (438-4338). The hotline is staffed by
counselors trained to help victims and take their complaints. You
may also file a complaint online at www.consumer.gov/idtheft.
- Complete
the identity theft affidavit, which will assist you in reporting
to many companies that a new account has been open in your name.
Obtain a copy of the identity theft affidavit by clicking the link
below: www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf.
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