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Security Center

FRAUD PROTECTION

Preventing Identity Theft

Identity Theft is a serious threat and can affect consumers in many ways, but there are also many ways to keep your identity from being used inappropriately and to assist you if you have been a victim of it:

  • Protect your Social Security number (SSN), credit card and debit card numbers, PINs (personal identification numbers), passwords and other personal information.
  • Protect your incoming and outgoing mail.
  • Keep your financial trash "clean."
  • Keep a close watch on your bank account statements and credit card bills.
  • Avoid identity theft on the Internet.
  • Exercise your new rights under FACTA to review your credit record and report fraudulent activity.

More information on Identity Theft

SBIC is committed to the best practices in the banking environment of today. Internet encryption protocols recognized by the industry as effective means of protecting your sensitive data are used to provide you with security and confidence. We maintain and review activity logs to identify and respond to unauthorized activities while they are occurring within our computing environment. Employee access to customer information is controlled on a need to know basis to further protect our customers privacy.

Please contact us immediately at (877) 707-1995 or visit us at one of our locations.

More information about Fraud Protection
If you suspect any of the following:
  • Fraud activity
  • Unauthorized Check/Paper Draft activity
  • Unauthorized ACH Withdrawal
  • Unauthorized Debit Card Transaction
  • Lost or Stolen Checks
  • Lost or Stolen Debit Card or ATM Card

Customer Responsibilities

Fraud prevention is a shared responsibility. As a customer, you can take these steps to protect your account:

  • Regularly monitor your account activity for unauthorized transactions.
  • Create unique passwords for online banking and update them frequently.
  • Avoid sharing sensitive information like account numbers or login details over email or phone.Do not give your debit or credit card to others, such as family or friends.
  • Set up account alerts to track activity in real time.
  • Report any suspicious activity to us immediately.

Note: Your vigilance, combined with our protective measures, ensures stronger financial security.

Cyber Security

Do you know how to protect your self against cyber scams?

Learn More?

<h2 class="fw-bold mb-2">Debit &amp; Credit Card Fraud</h2>

Debit cards and credit cards have become the most convenient form for purchasing our every day needs. They have replaced the actual need to carry cash and should be treated like cash. With the ever-increasing volume of debit cards and credit cards, so has fraud.

  • You should never loan your cards to anyone.
  • Carry only the cards you use frequently.
  • Never leave your wallet or purse in your vehicle.

<h2 class="fw-bold mb-2">How to Prevent Internet Fraud</h2>

From the classroom to the office to your living room, the Internet has altered America's lifestyle by allowing a wide variety of people from all walks of life to bring entire libraries, entertainment venues, post offices and financial centers to Internet accessible devices everywhere. One of the more significant areas of impact is how we shop. The Internet is the most convenient way to purchase everything from groceries to houses. You can go to the retailer's website to make a selection without leaving your chair.

  • Learn as much as possible about the product and seller.
  • Understand the retailers' refund policies.
  • Choose a secure password to protect account information.
  • Use a secure checkout and payment process.
Credit Bureaus

Equifax
  •  Report Fraud:  800-525-6285
  •  Order Report:  800-685-1111
  •   Write:  P.O. Box 740241, Atlanta, GA 30374-0241
  •   www.equifax.com 
Experian
  •  Report Fraud:  888-397-3742
  •  Order Report:  888-397-3742
  •   Write:  P.O. Box 2104, Allen, TX 75013
  •   www.experian.com 
TransUnion
  •  Report Fraud:  800-680-7289
  •  Order Report:  800-916-8800
  •  Write:  P.O. Box 1000, Chester, PA 19022
  •   www.tuc.com 

If an offer sounds highly suspicious or too good to be true, it probably is. For more information on protecting yourself and cybersecurity awareness, please visit the links below:

General Cybersecurity Awareness

Learn More

Mobile Banking Safety Tips

Learn More

ACH & Wire Transfer Security Tips

Learn More

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