- For your security, log into your internet banking account at least once every 90 days to maintain access to your accounts.
- Sturgis Bank & Trust Company employees will not ask for your personal information over the phone.
Protecting Against & Recovery From Identity Theft
How Identity Theft and Fraud Happen
Fraudsters have many ways, both high tech and low tech, to obtain your personal and financial data. For example they may:
- Steal your wallet, purse, mail or even your trash.
- Complete a "change of address form" to divert your mail.
- Obtain your credit report by posing as someone who may have a legitimate need for the report.
- Send you an email to try and obtain information.
- Establish a copy cat or fake website.
- Hack into your computer.
- Steal your laptop or smartphone.
Some easy things you can do to prevent someone from stealing important personal and financial information.
- Carry only those items you need.
- Immediately report lost or stolen credit cards and checks.
- Don't preprint personal data on your checks.
- Guard your PINS and passwords.
- Be alert to telephone scams.
- Opt for paperless statements.
- Shred documents you no longer need.
- Use trusted ATMs.
- Be alert to suspicious activity.
- Review credit cards for unauthorized use.
Secure Your Online Identity
A computer and smartphone contains a tremendous amount of personal and financial information. Take the following steps to protect private information stored on those devices.
- Safeguard your computer and smartphone and all passwords.
- Erase personal data before discarding the device.
- Conduct online transactions with care.
Recovering From Identity Theft
There are several basic steps that apply as soon as you become aware that your information has been misused.
- Report the incident to all three of the major credit bureaus.
- Contact your local police department and file a report.
- Complete the ID Theft Affidavit furnished by the Federal Trade Commission.
- Contact the fraud department of each of your creditors/financial institutions.
- Mail theft should be reported to the U.S. Postal Inspection Service.
- Passport fraud should be reported to the U.S. Department of State.
For additional information on Identity Theft search the information provided in the Quick Links area.