While First Texas Bank works to protect your banking privacy, you also play an important role in protecting your information. Here are a few steps you can take to protect your identity:
Add your phone numbers to the national Do Not Call Registry at www.donotcall.gov or by calling 1-888-382-1222. Since February 2008, these registered telephone numbers will no longer expire off the list.
Examine your credit card and financial institution statements immediately upon receipt to determine whether there were any unauthorized transactions. Report any that you find immediately to the financial institution.
Place a fraud alert every 90 days on your credit file at www.fraudalerts.equifax.com or by calling 1-800-525-6285. By placing a fraud alert with Equifax, you will automatically have alerts placed at Experian and TransUnion.
Each year, you are entitled to one free credit report through https://www.annualcreditreport.com or by calling 1-877-322-8228.
Request a copy of your Social Security statements at www.ssa.gov/mystatement to be sure that no one else is using your social security number for employment.
Every 5 years:
Opt out of pre-screened credit offers by calling 1-888-567-8688 or at https://www.optoutprescreen.com.
Identity Theft is the most popular and profitable form of consumer fraud. It occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes.
“Old Fashioned” Stealing. Thieves typically steal wallets and purses. They also steal mail such as credit card and bank statements, pre-approved credit card offers, check orders and other financial mail.
Dumpster Diving. Thieves dig through trash looking for bills, financial or other personal information.
Change of Address. Thieves modify or redirect your billing statements to another address by completing a “change of address” form.
Phishing. Thieves may send unsolicited e-mails, pretending to be a financial institution or a company, asking you to click a link to update or confirm your personal or login information. The link is directed to a “spoof” website designed to look like a legitimate site.
Skimming. Thieves may use a card reader device to copy the card’s magnetic strip to duplicate without the card owner’s knowledge.
Do not carry your Social Security card in your wallet.
Do not have personal information such as your Social Security number and driver’s license number printed on your checks.
Keep your new and cancelled checks in a safe place.
Do not leave your purse, wallet, checkbook, or any other forms of identification in your car.
Shred or tear up any documents containing banking or credit information, especially pre-approved credit offers, before you throw them away. To opt out of pre-approved credit card offers, call 1-888-567-8688.
Keep your PINs and passwords a secret. Do not write them down or share them with anyone.
First Texas Bank continually makes investments in state-of-the-art online banking security to ensure we protect the confidentiality of every customer’s online information and to provide the utmost security of every user.
Remove incoming mail from your personal mailbox as soon as possible, or use a P.O. Box or locked, secure mailbox.
Request a mail hold from the United States Postal Service or call them at 1-800-275-8777 if you plan to be away from home for an extended period.
Know your billing cycles. If bills are late or missing, contact your creditors.
Watch for your new or replacement Checkcard from us. You should receive it within five business days.
Switch to a more secure way of receiving your account statement. When you sign up for First Texas Bank Online E-Statements, your statement will no longer sit in your mailbox. Instead, we will send you an e-mail when your statement is available through your secure Online Banking account.