It is important that you proactively monitor your financial activities to ensure the security of your personal information. Stay vigilant, you are the first line of defense against criminal activity.
Be wary of phone call or emails from people claiming to work for a legitimate company asking for personal information. Any request for Social Security numbers, usernames, passwords, or asking you to download a file should arouse your suspicion. First American International Bank (FAIB) will never make such unsolicited requests.
Parents and caregivers should include children in their security planning. Small business owners should implement security policies and training for their employees.
Identity theft can occur at any time; a thief can use your personal information to commit crimes that may damage your credit record.
- Regularly review financial statements and report suspicious activity immediately.
- Use unique usernames, passwords, and PINs (Personal Identification Numbers) that are difficult to guess; avoid using Social Security numbers, date of birth, or email addresses, etc. Memorize and frequently update passwords and security question answers—don’t share them with anyone.
- Only provide personal information to reputable firms during interactions that you initiate
- Electronic statements reduce the risk of mail fraud Click to Learn About E-Statements.
- Keep copies of your identification as well as debit and credit cards in case they are stolen; shred personal documents before discarding.
- Review your credit report annually; to order a free credit report call Equifax at 800-685-1111, Experian at 888-397-3742, or Trans Union at 800-888-4213.
Checking Account, Debit & Credit Card Security Tips
When using an ATM, Debit, or Credit card in public, be mindful of your surroundings to prevent anyone from stealing your personal information.
- Report lost or stolen cards and checks immediately.
- Review your bank and credit card statements regularly and check for any suspicious activity. Regular account review helps to quickly detect and stop fraudulent activity.
- Signup for FAIB Online Banking with Bill Pay to conveniently monitor your account at any time.
- Don’t print your driver license number or Social Security number on your checks.
- Store your checks in a safe and secure location (new and cancelled).
Online Security Tips
Safeguard your information when sending email, using social media, or shopping online.
- Ensure your operating system and all software are updated to the most recent version
- Ensure computer security and anti-virus programs are installed, active, and regularly updated.
- Don’t download programs from unknown sources.
- Only use secure websites with URLs that start with “https:” (the ‘s’ stands for secure).
- Don’t make financial transactions on public computers or when connected to public hotspots.
- Use WPA2 encryption to secure your wireless router at home.
- Don’t disclose sensitive personal information on social media.
- Criminals place viruses in links or attachments to access your computer and personal information; never open suspicious emails, attachments, or click on links from unknown senders. Click here to learn about Phishing ; Click here for FDIC Bank Customer Cybersecurity Guide .
If You Are A Victim Of Identity Theft
- Immediately close any accounts that have been compromised.
- Place a "fraud alert" on your credit file with to prevent new credit from being granted without your approval. Call Equifax at 800-685-1111, Experian at 888-397-3742, and Trans Union at 800-888-4213.
- File a local police report send copies to relevant financial institutions requiring proof of the crime.
- The Federal Trade Commission (FTC) provides information to help resolve problems resulting from identity theft. File a complaint with the FTC by calling 1-877-ID-THEFT (438-4338).