Identity Theft

It's important to take precautions with your personal information so that you are protected from fraud. Remember, reputable vendors and financial institutions will not contact you via email or over the telephone to request private information. Use caution when dealing with new vendors and always think twice before providing your information. 


Prevent Identity Theft   The following tips can help you protect yourself from someone stealing your identity.
    Use a separate credit card for online transactions and look over your statements for unauthorized charges.
    Shred or destroy credit card offers and other documents that contain personal information.
    Photocopy both sides of your credit cards and store copies in a secure, safe place.
    Request and review your credit report annually.
    Check business names and URLs for spelling errors.
    Be cautious of suspicious emails with an urgent request to provide your financial or personal information.
    Regularly check credit card and bank statements, debit card and online banking activity for unauthorized transactions.
    Enroll in E-Statements to help reduce the risk of people gathering information from discarded bank statements.
    Request that a password be added to your account(s) at KS StateBank.
    Give your Social Security number only when absolutely necessary, and ask to use other types of identifiers first. Don't carry your Social Security number in your wallet or write it on a check.
    Use intricate passwords—combinations of letters, numbers and special characters make much stronger passwords than your mother's maiden name, your birth date or your phone number.
    Do not give out personal information on the phone, through the mail or on the Internet unless you've initiated the contact and know who you're dealing with.
What to do if You Fall Victim to Identity Theft   The most important thing you can do if you suspect your identity has been compromised, is to act quickly and report your stolen information to your financial institution and to your local police department.
Credit Bureau Contact Information   If you suspect you have fallen victim to fraud or that your identity has been compromised, you should contact each credit bureau to review your credit report.
    Equifax | P.O. Box 740241, Atlanta, GA 30374, 1-800-685-1111
    Experian | P.O. Box 2002, Allen, TX 75013, 1-888-397-3742
    TransUnion | P.O. Box 1000, Chester, PA 19022, 1-800-888-4213
Lost or Stolen Debit Card   If you believe your Debit Card has been lost or stolen, please contact us immediately at 800-588-6805, report it through your Online Banking account (under the options menu) or by sending us a Secure Message through Online Banking (Secure Messages are only checked during business hours).
For More Information   If you want more information about how to prevent identity theft, here are additional some additional resources available to you:
    The Federal Trade Commission's website Deter. Detect. Defend. Avoid ID Theft provides tips and a video with information about the steps you can take to protect your personal and financial information.
    OnGuard Online is a government website that offers tips to avoid scams, secure your computer and protect kids online.
    The FDIC also provides consumer protection resources on several topics, including identity theft and fraud.



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