At First Bank of Berne, we take security very seriously. As a resource for our customers, we’ve gathered the following collection of trusted resources to help you remain safe online. If you have questions or need assistance, please don’t hesitate to contact us.
- First Bank of Berne Consumer Awareness Guide (PDF) - A collection of helpful tips to keep you, and your information, safe.
- Indiana Attorney General’s Office - Provides a listing of recent consumer alerts, news releases and links to tools like the ID Theft Prevention Toolkit, how to find unclaimed money and ways to sign up for Fraud Alerts.
- AnnualCreditReport.com - As a consumer, you’re entitled to a free credit report from all three agencies (Experian, TransUnion and Equifax) every year. Visit this site to get your reports and make sure there aren’t any unknown accounts in your credit record.
- FBI Scams and safety - Do yourself a favor and visit the FBI’s site to ensure you’re “crime smart.” This site also provides information on how to protect your kids online, common fraud schemes and more!
- Dept of Homeland Security - Stop. Think. Connect. That’s the goal of the DHS and their campaign to aimed at increasing the understanding of cyber threats and empowering the American public to be safer and more secure online.
- Small Business Information Security (PDF) - This 20-page document provides a wealth of information for small business owners on how to keep their business safe and avoid fraud and security-related issues.
- Staying Safe from Tax Scams - The attached newsletter it meant to raise awareness for the various ways cybercriminals are trying to commit tax fraud. The links in the newsletter have been verified as safe.
- Fake checks - Variations on a scheme- The Federal Trade Commission, the nation’s consumer protection agency, wants you to know that counterfeit check scams are on the rise.
- How fake checks bait consumers - This information from the Better Business Bureau (BBB) details the wide variety of frauds that employ fake checks.
What to do if you suspect you're a victim of fraud or identity theft (Cnet.com)
As soon as you suspect your ID has been stolen you can take action to stop unauthorized charges and start to recover your identity.
- Place a fraud alert. If you suspect fraud, place a fraud alert with each of the credit reporting companies: Equifax, Experian and TransUnion. The alert notifies creditors that you have been a victim of fraud and lets them know to verify that you are actually making new credit requests in your name. Placing a fraud alert does not affect your credit score.
- Contact fraud departments. For each business and credit card company where you think an account was opened or charged without your knowledge, contact its fraud department. While you are not responsible for fraudulent charges to an account, you need to report the suspicious activity promptly.
- Freeze your credit. If you want to stop anyone from opening credit and requesting loans and services in your name without your permission, you can freeze your credit. You will need to request a freeze with each of the three credit reporting companies, which again are Equifax, Experian and TransUnion. To apply for new credit, you need to unfreeze your credit, again, through each of the credit reporting companies. You can either request a temporary lift of the freeze or unfreeze it permanently.
- Document everything. Keep copies of all documents and expenses and records of your conversations about the theft.
- Create a recovery plan. The Federal Trade Commission has a valuable tool that helps you report identity theft and recover your identity through a personal recovery plan.