As a customer of Somerset Savings Bank, the security of your personal and account information is extremely important to us. By practicing good security habits, you can help us ensure that your private information is protected.
Several precautions can be taken to safeguard your computer and information during everyday use. Each time you connect to the Internet to exchange information you open a pathway from the outside world to your computer. The following tips can help reduce the risk of malicious content making its way into your computer.
Make sure that your computer has virus protection software that detects and removes all forms of viruses and spyware which can steal information. Be certain to use the software regularly and to keep it updated.
A firewall is like a guard, watching for outside attempts to access your system and blocking communications to and from sources you don't permit. Many systems come with a built-in firewall. Make sure it's turned on. If your system does not have a firewall, purchase firewall software and install it.
Install all software fixes (sometimes called "patches" or "service packs") that are made available for your computer as soon as possible, especially if the fix addresses a security hole.
Make sure that if you are sending personal information your connection is secure. A closed padlock appears on the status bar of secure web sites and the address will start with https:// rather than http://. Use passwords to protect access to your computer. Do not open email attachments if you do not know what is in the attachment or if you do not know who it came from. Do not reply to emails asking for sensitive personal or financial information. We would never ask for this type of information via an email or pop-up message.
Identity theft occurs when someone else uses your personal information to open a bank account, acquire a credit card or engage in other fraudulent acts.
In the computer world, phishing — it's pronounced "fishing" — is the act of seeking or fishing for information in a sly or indirect way. Phishers send seemingly legitimate emails warning of a serious problem that requires immediate attention and attempt to lure you to an imitation of a legitimate web site. If you provide the information requested, you may find yourself the victim of identity theft fraud.
In the event you are a victim of identity theft, you may find the following telephone numbers and consumer links useful in locating information and providing guidance on how to file complaints:
Place a fraud alert: 888-766-0008
Order a credit report: 800-685-1111
Place a fraud alert: 888-397-3742
Order a credit report: 888-397-3742
Place a fraud alert: 800-680-7289
Order a credit report: 800-888-4213
You can file an identity theft complaint with the FTC online or by calling the FTC's Identity Theft Hotline at 877-438-4338.
The IFCC provides a convenient and easy-to-use online reporting mechanism that alerts authorities of a suspected criminal or civil violation.
Because we care about your safety, we offer these tips...
Know where it is at all times and keep it secure. Guard it as carefully as you would cash, checks or a credit card.
Do not write it on your card or keep your card and any written record of your PIN in the same location. Memorize it instead. Do not allow another person to look over your shoulder as you enter your PIN at an ATM.
Be aware of your surroundings, particularly at night. Avoid ATMs in dark or remote areas or where people seem to be loitering. Walk away if you notice something suspicious.
Have your ATM card in your hand as you approach the ATM. When you collect your cash, immediately put it away, take your receipt and keep moving.
Immediately report a lost or stolen card or if you notice something suspicious at an ATM. Also notify us immediately about an unauthorized ATM or debit card transaction on your account.