Fraud Prevention Tips
Personal and ID Security
Identity Theft – occurs when someone uses your name, Social Security number, credit card number, or other personal information to purchase a product or service. There are ways you can prevent it:
- Only share personal information (passwords, account numbers, SSN, etc.) with those people you trust.
- Examine all bank statements and verify charges.
- Periodically verify personal information (phone number, email, etc)
- Order and review your credit report on an annual basis to verify your financial activity. You are allowed one free copy per bureau per year. Go to: annualcreditreport.com
- Major credit bureaus
- Equifax – 800-525-6295
- Experian – 888-397-3742
- TransUnion – 800-888-4213
- For lost or stolen State Farm Bank Credit Card:
- Call State Farm Bank toll free at 877-SF4-VISA (877-734-8472). If you are outside of the United States, call us collect at 706-644-0582
- Lost or stolen State Farm Bank Debit Card:
- Call State Farm Bank toll free at 877-SF4-VISA (877-734-8472). If you are outside of the United States, call us collect at 309-994-6170.
- When you report your card lost or stolen, we will cancel the card and send a new card to all authorized cardholders within 7 to 10 business days.
- We recommend you to call the three aforementioned credit bureaus and also the Federal Trade Commission (FTC):
- Federal Trade Commission
600 Pennsylvania Ave, NW
Washington, DC 20580
Tel: 877-IDTHEFT (877-438-4338)
- Federal Trade Commission
Phishing/Spoofing – these are fraudulent activities used to gather personal information by impersonating a trustworthy person or business place. State Farm Bank will never initiate a request for your personal information via email.
- A phishing email will usually contain a generic greeting.
- Some phishing emails look exactly like they came from a credible source. A credible source will never ask you for your personal or account information via email. Call the source to verify.
- These E-mails are usually urgent requests.
- Many E-mails will contain numerous misspellings and grammatical mistakes.
- Don't respond to an email that asks for you to provide your personal information to verify or re-activate an account you have.
- Avoid opening links through E-mails as they may contain viruses.
- Fill out deposit slips or checks prior to transactions at the ATM.
- Be observant of people and your surroundings.
- Verify security devices/security seals on ATM are not broken.
- Secure your card and/or cash immediately after your transaction.
- Ensure you take your receipt after completing the transaction.
- Never write your PIN down or share it for any reason.
- Remember to sign the back of your credit and/or debit card immediately upon arrival.
- Do not give out your financial cards number over the phone if you are at all suspicious.
- Do not give out your financial cards number over the phone if you did not initiate the call.
- Destroy all financial cards that you do not use or have expired.
- It's important to change your password periodically (1-2 months)
- Use different ID's and passwords for your bank accounts and social networking sites.
- Keep your security software up to date so that you have the best protection and best online experience possible. Anti-virus software only catches approximately 43% of malware.
- Using public Wi-Fi – Avoid wireless network with no security (i.e. WPA2). Unprotected wireless data can be intercepted and possibly used to steal your online account information.
- At a very minimum use a PIN to restrict access to your mobile device. A strong password* is best.
- Don't "root" or "jailbreak" your mobile device as this makes it more vulnerable to malicious software.
- Set up account notifications to receive a text message or alert when changes are made to your account or if something suspicious occurs on your account.
- Is at least eight characters long (14 or more recommended)
- Contains uppercase letters, lower case letters, numbers, and special characters (&$@*, etc.)
- Does not contain your user name, real name or company name.
- Does not contain a complete word, in any language.
- Is significantly different from previous passwords.