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resolving fraud

Fraudulent Activity

Report fradulent activity on your West Shore Bank accounts or Online Banking:

• (231) 845-3500 or (888) 295-4373
• Or contact your nearest branch

If possible, provide the check number for the last check that was written, or the name of the person or business to whom it was written.  Digital copies of your checks are available through Online Banking.

Lost, Stolen, Missing or Found ATM card or debit card:

• During regular business hours
  • (231) 845-3500 or (888) 295-4373
  • Or contact your nearest branch
• Outside regular business hours
  • FirstData (800) 523-4175

Phishing Email

To report a suspicious email using West Shore Bank's name, please immediately forward the email to info@westshorebank.com.

What to do if you think someone has stolen your identity

1. Contact West Shore Bank immediately to close any accounts you believe have been compromised.
2. Contact the three major credit bureaus to place a fraud alert on your credit file.

• Equifax - (888) 766-0008
• Experian - (888) 397-3742
• Trans Union - (800) 680-7289

1. Close other accounts you know or believe have been opened fraudulently or tampered with.
2. File a police report.  Get copies to submit to any creditor that may require proof of a crime.
3. File your complaint with the FTC.

For more information about fighting ID theft and reporting fraud, visit the FTC's website.

Dealing with a data compromise

Data compromise is usually an organized theft of ATM, debit, or credit card information through third party processors, computer theft, stolen storage tapes, company insiders working for a merchant or merchant contractor, or merchant data breaches.

If a data breach affecting your accounts occurs, West Shore Bank receives information from many outside sources such as Visa, MasterCard or law enforcement agencies.  Because this information is sensitive, specific details are not released to the Bank.  We are unable to provide you with the name of the merchant or where the data breach occurred.

We understand that learning your account information may have been compromised can be alarming.  In the event your card data account has been compromised:

• West Shore Bank may proactively close your card and issue a new one to help protect your account.
• It does not mean fraud will occur on your account.
• It does not mean you will become a victim of identity theft.
• If you notice any fraudulent charges to your account, contact us immediately by calling (231) 845-3500 or (888) 295-4373.

What you can do to protect your information

• Always know where your card is.  If you misplace it, contact us immediately so we can block the card from use.
• Regularly monitoring your account activity is the best way to help detect if you have been a victim of fraud. West Shore Bank's Online Banking allows you to access your account at your convenience.
• For added protection, you can set up Online Banking Alerts that notify you about important activity in your accounts, which can help identify fraud quickly.
• Signing up for electronic statements may also help reduce your risk of mail fraud.
• If you receive your statements in the mail, review your statement as soon as possible after it is delivered and immediately report any fraudulent transactions.