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fraud prevention

According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult. But there is hope… The USA Patriot Act has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity and will be required to provide one or more of the following types of identification:

  • Driver’s license
  • Passport and country of issuance
  • US taxpayer identification (ID) number
  • Alien ID card
  • Any other government-issued document evidencing nationality or residence

To learn more about Identity Theft Protection, visit www.consumer.gov/idtheft or www.idtheft.gov.

To learn more about Phishing scams, an email scam that encompasses fraudulently obtaining and using an individual’s personal or financial information, visit http://www.fdic.gov/consumers/consumer/alerts/.

The federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report , at your request, once every 12 months, from www.annualcreditreport.com. The Federal Trade Commission (FTC), the nation’s consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights and how to order a free annual credit report

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