Protecting Your Identity
Identity theft and account fraud are making big headlines. They
happen when someone steals personal information such as your bank account number or Social
Security number and then poses as you, either cleaning out your account or running up debt
in your name or both. The threat is real, and the government estimates 400,000 people are
victimized by these crimes each year.
The Pennsville National Bank works hard every day to ward off these threats, but
maximum security is possible only when the customer plays an active part. Heres what
we can suggest to our customers to stop these crimes before they happen:
- Dont give out financial information such as checking and credit card numbers
especially your Social Security number on the phone unless you initiated the
call and know the person or organization youre dealing with. Dont give that
information to any stranger, even one claiming to be from the bank.
- Report lost or stolen checks immediately. The bank will block payment on the check
numbers involved. Also, review new deliveries of checks to make sure none has been stolen
- Store cancelled checks and new checks in a safe place.
- Notify your bank of suspicious phone inquiries such as those asking for account
information to "verify a statement" or "award a prize."
- Guard your ATM Personal Identification Number and ATM receipts. Thieves can use them to
access your accounts.
- Dont throw away financial solicitations that arrive in your mailbox. Tear them up
so thieves cant use them to assume your identity. Tear up any other financial
documents such as bank statements or invoices before disposing of them.
- Dont put outgoing mail in or on your mailbox. Drop it into a secure, official
Postal Service collection box. Thieves may use your mail to steal your identity.
- If regular bills fail to reach you, call the company to find out why. Someone may have
filed a false change-of-address notice to divert your information to his or her address.
- If your bills include suspicious items, dont ignore them. Instead, investigate
immediately to head off any possible fraud before it occurs.
- Periodically contact the major credit reporting companies to review your file and make
certain the information is correct. For a small fee, you can obtain a copy of your credit
report any time. The three major credit bureaus are:
If you would like more information on what steps
you should take if you are a victim, please
and we will send you the information.
CAUTION: Electronic mail sent through the Internet is not secure and could
be intercepted by a third party. For your protection, please avoid sending identifying
information, such as Social Security, account or card numbers to us or others.