American National Bank wants you to have the information necessary to protect yourself against identity theft.
How do they get my personal information?
- Lost or stolen items including stealing your mail
- Watching as you enter your PIN
- Looking through trash for discarded personal information
- Phishing-the use of emails or pop-ups to deceive you into giving out information
- Calling and pretending they are from a legitimate company
- Stealing your credit or debit card information using a data storage device on the terminal or ATM
How do I keep my identity safe?
- Never give out financial information such as checking and credit card numbers or your social security number unless you KNOW the person or organization. The American National Bank of Sidney will never send you an email or place a phone call requesting your private information or online banking credentials. If you receive any such requests, you should not give out any information but call the bank to report the activity.
- When giving out information over the phone, it is safest when you initiate the call.
- Report lost or stolen checks or bank cards immediately.
- Notify your bank of suspicious phone inquiries - especially if you are asked for any personal account information.
- Closely guard your ATM personal identification number and receipts.
- Shred financial solicitations and statements before disposing of them.
- Put outgoing mail into a secure, official Postal Service collection box.
- If regular bills fail to reach you, call the company to find out why.
- Perform your own risk assessment periodically. The Nebraska Attorney General's website is a good resource to assist in mitigating your risk. Go to: http://www.ago.ne.gov/consumer_protection
- Get your free annual credit report to check for fraudulent activity. Go to www.annualcreditreport.com or call 1-877-322-8228.
Protection under Regulation E
- Consumers are provided protections under Regulation E relating to unauthorized or fraudulent electronic activity. I you suspect any suspicious activity on your accounts, contact the bank immediately at 308-254-5536 to get information about your rights under Regulation E.
What should I do if I suspect my identity has been stolen?
The following steps are recommended by the Federal Trade Commission:
- Put a fraud alert on your credit file by contacting any one of the three major credit bureaus:
- Close the accounts you know or believe have been tampered with or opened fraudulently.
- File a police report.
- File a complaint with the FTC. The commission maintains an ID theft database that helps law enforcement initiate and build identity theft cases. A complaint form can be filled out online at: http://www.consumer.gov/idtheft
Our staff is ready to help reduce your exposure to identity theft and fraud. Please do not hesitate to contact us if you have any questions. 308-254-5536