Privacy
How You Can Protect Your Privacy
Identity theft is one of the fastest growing white-collar crimes. It occurs when an identity thief gains access to and uses an individual's personal identifying information without his or her knowledge in order to commit fraud or theft. To protect your privacy and minimize your risk of becoming a victim of identity theft you can take the following steps:
Personal identifying information
• Protect personal identifying information, such as your date of birth, Social Security number, credit card numbers, bank account numbers, Personal Identification Numbers (PINs) and passwords
• Do not disclose any of your personal identifying information to any person who is not permitted to have access to your accounts.
• Do not disclose any of your personal identifying information over the telephone, through the mail or online unless you have initiated the contact or know and trust the person or company to whom it is given.
Credit, Debit and ATM Cards
• Carry only the most used credit cards and debit cards
• Cancel cards you do not use
• Keep receipts from card transactions
• Sign new cards as soon as you receive them
• Immediately report lost/stolen cards
• Never dispose of ATM/debit receipts in public receptacles. Shred them at home
• Keep a list of all your card information (account number, expiration dates, credit limits, and telephone numbers of all customer service of fraud departments. Store the list in a safe place.
Credit Reports
• Annually, order a copy of your credit report and review it for accuracy
• Review your credit report for unauthorized purchases, bank accounts and credit cards
• Look for anything suspicious in the section of your credit card report that lists who has received a copy of your credit history Pin and Password
• Memorize your PINs and passwords and keep them confidential
• Frequently change your password
• You may change your NetTeller ID by modifying login information located in the Options tab
• Avoid carrying PINs and passwords in your wallet or purse or keep them near credit cards, debit cards, ATM cards or checkbook
• Promptly remove mail from your mail box
• Deposit outgoing mail in post office collection box
Internet and Telephone Solicitations
• Be suspicious of any offer made by telephone, on the web or in an email, that seems too good to be true
• Before responding to a telephone or Internet offer, make sure the person or business making the offer is legitimate
• Bank of Richmondville never requests customer’s bank card number, account number, Social Security number, Personal Identification Number (PIN) or password through email. If you should receive an email requesting such information that appears to be from Bank of Richmondville, do not respond to the email and contact Bank of Richmondville at (518) 234-4397
Financial Statements
• Contact your financial institution immediately if a bank account or card statements do not arrive on time
• Review your financial statements promptly and immediately report any discrepancy or any unauthorized transactions
Additional Considerations
• Use common sense and be suspicious when things do not appear right
• Question any proposed transaction that requires you to send an advance payment or deposit by wire transfer
• Call Bank of Richmondville at (518) 234-4397 if you believe that you are a victim of identity theft involving one of your Bank of Richmondville accounts
