Prevent Fraud

Protect what’s important to you from being stolen by someone who can potentially harm your good name and financial well-being. Taking proper precautions with your banking transactions can help you avoid becoming a victim of fraud, giving you more control over what happens with your credit score.

"Phishing" is a method developed by scammers and hackers to get unsuspecting victims to reveal their personal information and is a contributing factor to the rise in identity theft. The most common method of phishing involves cleverly designed e-mails which claim to be from reputable companies with whom the recipient may or may not have a relationship. The bogus e-mail requests the recipient to confirm personal information such as client ID, passwords, account numbers, etc. The e-mail may instruct you to "update" or "validate" your personal information via email or direct you to a phony web site that looks like a legitimate web site. 


Tips to Avoid Becoming a Victim of Identity Theft:

  • Carefully review your bank statement each month.
    • Add a trusted individual to your bank accounts as “read only.” This person can help you monitor account activity.
    • Enable fraud alerts on your Killbuck Savings Bank accounts. You set the guidelines to stay in touch with your finances in a way that makes sense for you.
  • Carefully review your monthly accounts, credit card statements, and utility bills (including cellular telephone bills) for unauthorized charges as soon as you receive them.
    • If you suspect unauthorized use, contact the provider's customer service and fraud departments immediately.
  • When you order new checks, ask when you can expect delivery.
    • If your mailbox is not secure, then ask to pick up the checks at your financial institution instead of having them delivered to your home.
  • Keep a list of all your credit cards and bank accounts along with their account numbers, expiration dates, and credit limits, as well as the telephone numbers of customer service and fraud departments. Store this list in a safe place.
  • Keep your Social Security number out of circulation and release it only when necessary.
  • Never give your Social Security number, account numbers, or personal credit information to anyone who calls you.
  • Store personal information in a safe place and shred or tear up documents you don't need.
  • Destroy charge receipts, copies of credit applications, insurance forms, bank checks and statements, expired charge cards, and credit offers you get in the mail before you put them out in the trash.
  • Cancel your unused credit cards so that their account numbers will not appear on your credit report.
  • Keep track of credit card, debit card, and ATM receipts. Never throw them in a public trash container. Tear them up or shred them at home when you no longer need them.
  • Choose to do business with companies you know are reputable, particularly online.
  • When conducting business online, use a secure browser that encrypts, or scrambles purchase information and make sure your browser's padlock or key icon is active.
  • Don't open e-mail or download content from unknown sources. To ensure that your computer is protected from malware and harmful viruses, always use the most up-to-date anti-virus detection software available.
  • Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.
     
    Be Diligent:
  • Check your Social Security Earnings and Benefits statement once each year to make sure that no one else is using your Social Security number for employment.
  • Order a copy of your credit report from the three credit reporting agencies every year.
        Equifax:        1-800-685-1111 or  www.equifax.com
        Experian:      1-888-397-3742 or www.experian.com

        Transunion:  1-800-916-8800 or www.transunion.com  

  • Make sure all the information is correct, especially your name, address, and Social Security number.
  • Look for indications of fraud, such as unauthorized applications, unfamiliar credit accounts, credit inquiries, and defaults and delinquencies that you did not cause.


          

Return to Top