Identity Theft Information

What is Identity Theft?
Identity Theft is the fastest growing crime facing every citizen in today’s society. Identity Theft occurs when someone acquires key pieces of another person’s identity with the intent to commit Fraud. Information such as name, date of birth, social security number, mother’s maiden name, etc. can assist a criminal in impersonating another individual. Once the wrongdoer has access to this information, the wrongdoer can commit different kinds of Fraud, including illegally accessing bank accounts, obtaining loans, making purchases, renting apartments, etc.

How Does Identity Theft Happen?
Identity Theft can happen to anyone regardless of whether or not they use the Internet. Identity Theft experts warn that the mailbox and the garbage outside of your house are the easiest ways that criminals can access your personal information.

How Does 21st Century Bank Protect You?
Your protection is our highest priority. Our state-of-the-art technology, monitoring system and procedures ensure that your identity is safe.

Here are some of the ways we remain vigilant against Identity Theft:

Identity Verification: When making changes to your account – a change of address, for example - we request specific information about you to verify your identity before making any changes to the account.

Account Monitoring: When we see irregular account activity (for example: check orders, address changes, heavy withdrawals, etc.) occurring in your account, we will call you to confirm the sudden change in activity.

Fraud Detection: We have account-monitoring tools that recognize Identity Theft. We regularly receive information about known fraudulent addresses and phone numbers and we compare them to all new account requests and account change requests.

Communication: We contact you regarding any suspicious activity associated with your 21st Century Bank account.

Authorized Signer: Only “authorized signers” (an “authorized signer” is the person whose name appears on the signature card of the account and identifies that person as the account-holder) can access account information.

No Personal Information: 21st Century Bank will never request your personal information, usernames, passwords and/or PIN numbers. If 21st Century Bank needs any type of information from you, we will request it from you in-person, at one of our office locations. We strongly suggest that you do not share this type of information with anyone under any circumstances. Providing anyone with your personal information, usernames, passwords and/or PIN numbers allows the recipient full access to your account.

How Can You Decrease the Risk of Being Victimized by Identity Theft?

Change all passwords regularly, using a mix of numbers and letters. Memorize your passwords and write them down only in a secure place.

Never share your 21st Century Bank Identification information, passwords, usernames and/or PIN’s with anyone. Be cautious of emails or individuals who ask for such information. 21st Century Bank will never ask for your personal information via email or telephone. Sharing your personal information will provide the recipient with full access to your account.

Guard your PIN# at ATMs. Never write the number down anywhere in your purse or wallet.

Never provide personal information over the phone unless you initiated the contact or know with whom you are speaking. Ask how your personal information will be used/protected and whether the information you are asked to provide is voluntary or mandatory to complete the transaction.

Do not put outgoing mail in your home mailbox to be picked up - take it to a postal box.

Do not carry extra credit cards or your social security card in your wallet.

Do not use your credit card number on the Internet unless the site has a secured, encrypted system (look for “HTTPS” in the URL or the lock icon in the corner of your screen).

Make a list of your credit card and bank account numbers along with customer service numbers and keep them in a secure place.

Shred all personal documents and unwanted mail. Criminals often work in groups going through garbage.

Monitor your bank and credit card statements monthly. Be aware of billing cycles - if you miss receiving a bill, it can be an indication that your credit card company has received a change of address from someone other than you.

Order a credit report from all three credit reporting agencies twice per year and review them carefully. Report any discrepancies in writing to each credit agency and explain the situation.

If You Suspect Identity Theft…
• Immediately contact 21st Century Bank at (763) 767-21ST.
• Contact the Federal Trade Commission’s Identity Theft Hotline at 1-877-ID-THEFT (1-877-438-4338).
• Call the three main credit bureaus to get copies of your credit report (see the numbers below). With the credit bureaus’ help you can add fraud flags and statements to your credit reports telling all potential creditors that they should contact you to verify credit applications.
• Notify local law enforcement to file a report.
• Report any mail theft to your local postal inspector. If you are going on vacation and need to stop mail temporarily, call 1-800-275-8777.
• In the case of unauthorized long distance phone call charges, contact your phone company to report any such unauthorized charges.

If you are still having difficulty removing fraudulent charges from your account, then contact the Consumer & Government Affairs Bureau at 1-888-225-5322.

Inform check security companies about the fraud affecting your account. You may contact them directly at the following numbers:
National Check Fraud Center 1-843-571-2143
SCAN 1-800-262-7771
TeleCheck 1-800-710-9898
CrossCheck 1-707-586-0551
Equifax Check Systems 1-800-437-5120
International Check Services 1-800-526-5380
ChexSystems 1-800-428-9623
CheckRite 1-800-766-2748

If you have been victimized by Identity Theft, it is imperative that you contact local law enforcement to file a police report. Be sure to record the police officer’s name with whom you filed the report and the case number.

FREE CREDIT REPORT
….If you are the victim of Identity Theft, have been denied credit or receive welfare or unemployment, you are entitled to a free credit report. Contact one of the following credit reporting agencies to report the fraud and ask about putting a fraud alert on your record:

Equifax: To order a report, call 1-800-685-1111 or write P.O. Box 740241, Atlanta, GA 30374-0241.
To report fraud, call 1-800-525-6285 and write P.O. Box 740241, Atlanta, GA 30374-0241.

Experian: To order a report or to report fraud, call 1-888-397-3742 or write P.O. Box 949, Allen, TX 75013-0949.

Trans Union: To order your report, call 1-800-916-8800 or write P.O. Box 1000, Chester, PA 19022. To report fraud, call 1-800-680-7289 or write Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92384.

Visit these websites to learn more about Identity Theft:

Federal Trade Commission:

Office of the United States Inspector General:

US Department of Justice:


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