Security Center

Identity Theft

If you are a victim of identity theft of account fraud you should notify Fidelity Bank immediately and take the following action:

  • Call the fraud departments of all three credit bureaus and ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any more accounts in your name. The three credit bureaus are: Equifax 1.800.525.6285, Experian 1.888.397.3742 and TransUnion 1.800.680.7289.
  • Contact your local police and ask them to file a report. Even if the police can't catch the identity thief, having a police report can help you in clearing up your credit records later on.
  • File a complaint with the Federal Trade Commission (FTC). Call the FTC's identity theft hotline toll-free at 1.877.IDTHEFT (438.4338). Counselors trained to help victims and take their complaints staff the hotline. 
  • Complete the identity theft affidavit, which will assist you in reporting to many companies that a new account has been opened in your name. Obtain a copy of the identity theft affidavit by clicking this link: www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf.

For more information about identity theft, contact the U.S. Department of the Treasury's Office of the Comptroller of the Currency at www.occ.treas.gov/topics/consumer-protection/fraud-resources/index-fraud-resources.html or visit Federal Trade Commission's (FTC) consumer website at www.ftc.gov. Or you may call: FTC toll-free at 1.877.IDTHEFT (438.4338).

How to Protect Yourself

Control identity theft risks when using your personal computer to conduct business online by taking the following actions.

  • Prevent unauthorized people from using your personal computer (PC)
  • Logoff or lock your computer when leaving your workstation
  • Change your password often. Be sure to select passwords that are hard for others to guess.
  • Don't give your passwords to anyone. Don't record your passwords in an easy-to-find place.
  • If you notice suspicious activity in your accounts, report it immediately to the resources named above - including your bank.
  • Install anti-virus, anti-spyware and other Internet software on your PC. Use it regularly and stay up-to-date.
  • Don't open emails from people you don't know and don't open any attachments they may contain. It is better to delete the email.
  • Take advantage of your personal computer's security features
  • Make sure your browser uses the strongest encryption available and be aware of the encryption levels of the sites and applications you use
  • Use only software from reliable vendors

Phishing

When criminals use email to try to lure you to fake websites, that is called "Phishing" (pronounce "fishing"). Once at the site you may be asked to disclose personal and confidential information like passwords, credit card account numbers or Social Security Numbers. The most common type of phish is an email threatening some dire consequence if you do not immediately login and take action.

Never respond to email that:

  • Requires you to enter personal information directly into the email or submit that information some other way
  • Threatens to close or suspend your account if you do not take immediate action by providing personal information
  • Solicits your participation in a survey where you are asked to enter personal information
  • States that your account has been compromised or that there has been third-party activity on your account and requests you to enter or confirm your account information
  • States that there are unauthorized charges on your account and requests your account information
  • Asks you to enter your User ID, password or account numbers into an email or a non-secure webpage
  • Asks you to confirm, verify, or refresh your account, credit card or billing information

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