Identity Theft

Protect Yourself From Identity Theft!

Identity Theft occurs when someone wrongfully uses your personal identification to obtain credit, loans, services, even rentals and mortgages in your name. Identity Theft is a frightening and overwhelming experience if it does happen to you.

Reduce your chances of being a victim of identity theft by remaining attentive in all financial matters and taking extra precaution to protect your personal identifiers.

Here are a few pointers to help you avoid becoming a victim:

Your Daily Activities

  1. Empty your wallet of all extra credit cards and social security numbers, etc. Do not carry identifiers you do not need. Don't carry your birth certificate, social security card, or passport, unless necessary.
  2. Only release your personal data to agencies that require it for action you have initiated. Never give this information to unsolicited telephone callers or over the Internet.
  3. Ensure that your PIN numbers cannot be observed by anyone while you're using an ATM.
  4. Never leave receipts at bank machines, bank counters or in trashcans at gas stations.
  5. Memorize all social security numbers and all passwords. Put passwords on your accounts that do not use your mother's maiden name. Make up a fictitious word, use numbers and symbols.

 Your Mail

  1. Shred all your important papers and especially pre-approved credit applications, bills, and other financial information that provide access to your private information.
  2. Remove your name from mailing lists for pre-approved credit lines by calling 1-888-5-OPTOUT (1-888-567-8688)
  3. Remove your name, phone number and home address from marketing lists by contacting Direct Marketing Association.
     
    Direct Marketing Association
    Mail Preference Service
    P. O. Box 9008
    Farmingdale, NY 11735
     
         
    Direct Marketing Association
    Telephone Preference Service
    P. O. Box 9014
    Farmingdale, NY 11735
     
  4. Do not put checks in the mail from your home mailbox. Drop them off at a U.S. Mailbox or the U.S. Post Office. Mail theft is common. It is easy to change the name of the recipient on the check with an acid wash.
  5. Promptly remove mail from your mailbox after delivery.

 Your Credit Cards

  1. Cancel all credit cards that you do not use or have not used in 6 months. Thieves use these very easily - open credit is a prime target.
  2. Write "see photo ID" in the signature section of your credit cards.

 On the Internet

  1. Use caution when disclosing checking account numbers, credit cards number or other personal financial data at any website or on-line service location unless you receive a secured authentication key from your provider.
  2. Don't email your personal data unless you use encryption technology.

FNBT.COM BANK will never contact you by email requesting personal or private information. We may contact you occasionally by phone to verify certain information or request additional information that may have not been collected at the time you opened your account. If you are not absolutely positive you are speaking with a FNBT.COM BANK employee, please do not give the information. Take the name and phone number and call back using the bank's main phone number (850) 796-2000.

Procedures for Responding to Claims of Identity Theft

Financial identity theft occurs when someone uses another consumer’s personal information without their permission to conduct multiple transactions to commit fraud. The fraudulent activity may include but is not limited to opening deposit accounts with counterfeit checks, opening credit card accounts, or purchasing goods in person or online with a debit card.

Evidence of Identity Theft

  • Accounts on an individual’s credit report that he/she did not open.
  • Unexplained charges or withdrawals from a bank account or a credit card account. 
  • A denial of credit for no apparent reason could indicate identity theft. 
  • The address that bills are sent to has been changed by someone other than the consumer who opened the account.

Examples of Identity Theft

  • The most common form of identity theft is when a thief uses another person’s Social Security number to open up a credit card account. 
  • An identity thief uses a victim’s credit card number to make unauthorized purchases. 
  • An identity thief establishes a bank account, takes out a loan, or opens a utilities account (e.g., phone line) using a victim’s name and good credit. 
  • An identity thief gives a victim's name as his/her own when requesting medical services.
  • An identity thief gives a victim’s name as his/her own when arrested by the police.

    Written Notification
    If a customer/consumer suspects they are a victim of identity theft that involves an account with our bank, we will require they notify us in writing.  We will also require that they file a police report and complete the Federal Trade Commission (FTC) affidavit of identity theft - see the following website: www.ftccomplaintassistant.gov/

If the victim of the crime is out of our area, we will fax or mail a copy of the affidavit to them and require a notarized signature when it is returned.  We will verify their identity by independent means, such as a reverse telephone directory or searches on the Internet.

Providing Information to Identity Theft Victims

If an apparent victim of identity theft makes an appropriate request for information, the Bank’s Compliance Officer or his/her designee shall supply the account or loan application and the business transaction records to the apparent victim.  An appropriate request must: 

  • Be in writing 
  • Be mailed to FNBT.COM BANK Attn: Compliance Officer; and
  • Include relevant information about any transaction alleged to be a result of Identity theft to facilitate compliance with this section including, if known by the victim:
              — The date of the application or transaction; and
              — Any other identifying information, such as an account or transaction number

Before supplying the information to the victim, the Compliance Officer must require the victim to provide: 

  • Proof of positive identification; and 
  • Proof of a claim of identity theft

Proof of an identity theft claim includes:

  • A copy of a police report evidencing the claim of the victim of identity theft; and
  • A properly completed copy of a FTC affidavit of identity theft