Fraud Prevention/ Identity Theft

We Do More by committing to help you fight fraud and identity theft. Identity theft is the most popular and profitable form of consumer fraud. It happens when someone uses your personal information, such as your name, Social Security number, credit card number, or other private information, without your permission to commit fraud or other crimes. You must recognize the various types of fraud and learn how to protect yourself against them. Click the links on the right to learn how to minimize the chances of falling victim to identity theft and fraud. Maintaining current anti-spyware and anti-virus software and installing updates offered by your software providers are just a few measures to take to protect yourself. Please read the tips below to learn more about protecting yourself.

You can easily monitor your accounts and keep track of transactions by logging into IBC Online Banking. It's FREE and available 24 hours a day, seven days a week.
Protect your personal information:

Do not carry your Social Security card with you
Do not have your Social Security number and driver's license number printed on your checks
Keep your new and canceled 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 card offers
You can also choose to opt out of pre-approved credit card offers by calling 1-888-567-8688
Keep your PINs and passwords a secret. Do not write them down or share them with anyone. To learn more, click on the Lost/Stolen Cards tab.

If you are a victim of identity theft or account fraud

The unlawful use of someone's identity is a severe matter for IBC Bank. If you're a victim of identity theft or account fraud, call your IBC Bank customer service representative immediately. IBC Bank will work with you to correct all unauthorized transactions in your IBC Bank accounts and any incorrect information that may have been reported to the credit bureaus.

Call the fraud departments of all three credit bureaus. Ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any more accounts in your name.

Equifax 1-800-685-1111
Experian 1-888-397-3742
Trans Union 1-800-888-4213
Contact your local police and ask to file a report. Even if the police can't catch the identity thief, having a police report can help you clear up your credit records later on
File a complaint with the Federal Trade Commission (FTC). Call the FTC's identity theft hotline toll-free at 1 (877) IDTHEFT (438-4338). The hotline is staffed by counselors trained to help victims and take their complaints. You may also file a complaint online at www.consumer.gov/idtheft
Complete the identity theft affidavit, which will assist you in reporting to many companies that a new account has been opened in your name. Obtain a copy of the identity theft affidavit by clicking here Together, you and IBC Bank may be able to prevent identity theft and account fraud before they ever happen. If you would like more information about identity theft, you can do any or all of the following:
Get more information on fighting identity theft from the FDIC at www.idtheft.gov and the U.S. Department of the Treasury's Office of the Controller of the Currency by clicking here
Visit the Federal Trade Commission's (FTC) consumer website at www.consumer.gov/idtheft
Call the FTC toll-free at 1-877-IDTHEFT (438-4338)

Check your Credit

The Fair and Accurate Credit Transactions Act (FACT ACT) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, from Annual Credit Report
If you have already received your free credit report in the last 12 months, you can order a copy from the credit bureaus for a fee.

Equifax 1-800-685-1111
Experian 1-888-397-3742
Trans Union 1-800-888-4213

Your credit report contains information on where you work and live, accounts opened in your name, how you pay bills, and whether you have been sued, arrested, or filed for bankruptcy. You can contact any one of the three major credit bureaus to place a fraud alert on your credit report, as well as a victim's statement asking that creditors call you before opening new accounts or charging existing ones. As required by law, that credit bureau will report the information to the other two bureaus for you. Contact creditors for any accounts that have been corrupted. Always follow up with a letter and keep copies of everything. Close affected accounts and assign passwords to new ones.

Other Helpful Links:

Federal Trade Commission
Privacy Rights

Helpful Links
Internal Fraud Hotline
Leave an anonymous message to report suspected internal bank fraud. The FRAUD HOTLINE is 1-956-764-6120.
Enhanced Security Program
To help safeguard your financial information and protect your identity, learn about our Enhanced Security Program.
Cyber Security Tips
For the month of October, participate in National Cybersecurity Awareness Month.

Read more about Cybersecurity, at www.staysafeonline.org.
Subscribe to trusted newsletters such as MS-ISAC at www.msisac.org/awareness/news.
The STOP.THINK.CONNECT. campaign helps keep the Web a safer place. Visit the blog at http://stopthinkconnect.org/blogs.

Hotline

FOR UNAUTHORIZED DEBIT CARD TRANSACTIONS PLEASE CALL 1-866-902-5860 OPTION 4.

For your protection, IBC Bank has implemented an anonymous Fraud and Code of Ethics and Business Conduct Hotline - toll free 1-800-894-6076. Note: You cannot reach this number from an IBC telephone. Please call this number from an outside phone.
This is not a Customer Service or complaint line.
This line is for employees, customers, and others to report possible instances of bank fraud or violations of IBC's Code of Ethics and Business Conduct or laws or regulations related to the provision of consumer financial products and services committed by employees, customers, or others.
Bank fraud includes financial statement fraud, Bank Secrecy Act violations, and other types of fraud such as conflicts of interest, bribes and kickbacks, cash asset misappropriations or misconduct.

IBC is very interested in the information you have to provide. The more details you are able to share, the easier it will be for IBC to determine if a crime and/or violation was committed. The information we are looking for is as follows:

Date and time of activity
Location of activity
Who committed the alleged act?
What exactly happened?
Where did it take place?
When did it happen?
How was the alleged act committed?
Who else has knowledge of the alleged act?
Did you report this to anyone else? If yes, who?
Would you like to be contacted regarding your report?

You are encouraged but not required to leave contact information.

The message you leave will be forwarded to Internal Audit Services and will receive prompt review and attention, as required. All Complaints will be kept confidential except to the extent IBC determines disclosure is required in connection with an ensuing evaluation or investigation or in order to comply with applicable law.