Protect Yourself from Credit/Debit Card Fraud & Identity Theft

At Apple Bank, protecting your personal and financial information is our number one priority. We employ state-of-the-art technology, including 128-bit encryption, Secure Socket Layer and firewalls, to secure your personal and confidential information when using the Apple Bank Web site, Online Banking, Bill Pay, or Funds Transfer. We follow strict industry guidelines to protect the personal and financial information you provide to us.

Protect your online security when using Apple Bank and Online Banking services. Learn more

Be Web Wise – 7 Ways to Fight Identity Theft Online

There are a number of proactive steps you can take to protect yourself from identity theft, both on the Internet and elsewhere.

Phishing (pronounced “fishing”) makes use of phony emails and Web sites that mimic financial institutions, government agencies or other organizations to “fish” for your personal financial information. Phishing thieves want your account numbers, user IDs, passwords, Social Security numbers, and any other confidential information they can use to deplete your deposit accounts, or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. Successful phishers can obtain loans, credit cards and even driver’s licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. Understanding how to protect yourself from phishing and other forms of online identity theft can help you stop this crime.

1. Never provide personal financial information in response to an unsolicited request, whether it is over the phone or on the Internet.

2. If you believe the contact may be legitimate, contact the financial institution yourself, using contact information that you have verified.

3. Never provide your User ID or password over the phone or in response to an unsolicited Internet request.

4. Review account statements regularly to ensure all transactions and charges are correct.

5. Never click on the link provided in an email you believe is fraudulent, as it may contain a virus that could contaminate your computer.

6. Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.

7. If you believe the contact is legitimate, go to the company’s Web site. Do this by typing in the site address directly, or using a page you have previously bookmarked, instead of a link provided in the email.

If You Become a Victim of Identity Theft, Act Immediately

  • Alert your financial institution.
  • Contact the three major credit bureaus (Equifax, Experian and TransUnion) to place fraud alerts on your credit files.
  • Monitor your credit files and account statements closely.
  • Report suspicious e-mails, calls or other activity to the Federal Trade Commission online at www.ftc.gov/bcp/edu/microsites/idtheft/, or call 877-IDTHEFT.

Download the complete Identity Theft Brochure by clicking the link below. Adobe Acrobat Reader is required to view this document.

Source: Various regulatory agencies, including the Board of Governors of the Federal Reserve System, FDIC, NCUA, OCC and OTS.

External Links with Important Information About Fraud and Identity Theft

Federal Deposit Insurance Corporation (FDIC): www.fdic.gov/consumers/consumer/fighttheft/index.html

Federal Trade Commission (FTC): www.ftc.gov/bcp/edu/microsites/idtheft/

Government and Technology Industry: www.onguardonline.gov/

Social Security Fraud Reporting: www.ssa.gov/oig/hotline/index.htm

US Postal Inspectors Mail Fraud Information: https://postalinspectors.uspis.gov/investigations/MailFraud/MailFraud.aspx

National Consumers League (runs National Fraud Information Center and Internet Fraud Watch): www.phishinginfo.org/

Federal Trade Commission: http://www.consumer.ftc.gov/articles/0216-protecting-against-credit-card-fraud

Visa: http://usa.visa.com/personal/security/learn-the-facts/protection-tips/index.jsp


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