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Identity Theft is a crime that occurs when someone uses information such as your name, Social Security Number, credit card number or other identifying information to commit fraud against you. It is one of the fastest growing crimes in the U.S. Please ask any Bank of Coushatta Customer Service Representative for a copy of our Identify Theft Protection and Prevention brochure. Here you will find very important information that will help you protect your identity.
We would like to provide you with very important information as it pertains to your accounts at Bank of Coushatta.
· We will never call, email or otherwise contact you to request your access ID, password or other login credentials for the online services we offer. If you receive such a request, do not provide any information. Instead, contact us immediately at (318) 932-3491 to report the incident.
· If you see suspicious activity on your account(s) or have received suspicious calls, emails or letters regarding your relationship to Bank of Coushatta, call us at (318) 932-3491 to report the activity.
Tips for Protecting your Identity
Review your credit report from the three major credit bureaus at least once a year. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. To learn how to obtain your free copies visit http://www.consumer.ftc.gov/articles/0155-free-credit-reports.
Credit Reporting Agencies
Understand that when you make a loan from a financial institution, your information will be sent to the one or more of the 3 credit reporting agencies. If you have reason to believe that your personal information may have been compromised, you might consider Freezing your credit. If you freeze your credit, a lock is placed on access to your credit report. This will prevent identity thieves from opening accounts in your name. You might consider freezing your credit with each of the 3 reporting agencies. In the event you need to make a loan, you can unfreeze your credit.
Shred your personal information
Do not throw away receipts, tax information, credit card offers, medical/insurance information, etc. without first
Protect your credit cards
· Sign your credit card or write that the merchant must “check ID” on the back of the card.
· Close any accounts that you are not using.
· Make sure you receive your bills and review them for fraudulent charges.
· Place passwords on new or existing accounts (see Password Security Tips section below for more detail).
· Keep a list of all your credit card numbers and the customer service phone numbers for each in a safe place at home in case your wallet or purse is lost or stolen.
Do not give out personal information over the phone, through the mail or over the Internet unless you have initiated the contact or are sure you know who you are dealing with.
Remember the IRS will NOT contact you by phone or email to solicit payment as a first means of contact.
Be aware of current telephone scams advising that your loved ones are hurt or in need of your help and asking you to send money immediately. Also be aware of current telephone scams advising you that a utility is going to be turned off if you don’t pay immediately. Be aware of Telemarketing Fraud, when you send money to people you do not know personally or give personal or financial information to unknown callers, you increase your chances of becoming a victim of telemarketing fraud.
Here are some warning signs of telemarketing fraud—what a caller may tell you:
If you hear these or similar “lines” from a telephone salesperson just say “no thank you” and hang up the telephone. Do not give them any personal or financial information. (See “Other Web Resources” section below for more tips and information.)
Protect your Social Security Number (SSN)
· Do not carry your SSN card. Leave it in a secure place.
· Give your SSN only when absolutely necessary.
· If your state uses your SSN as your driver’s license number, ask for a substitute number.
Secure personal information in your home, especially if you have roommates, employ outside help or are having service work done in your home.
Keep your purse or wallet safe
· Secure your belongings at work.
· Guard your belongings in public places. Ladies do not hang your purses on the back of your chairs when in public.
· Do not share your PIN with others.
· Be aware of others nearby when entering your PIN at an ATM machine.
· Carry only identification and the credit or debit cards you actually need.
Protect your Personal Identification Numbers (PIN)
· Do not write your PIN down.
· Do not choose a PIN that is easy to guess such as the part of your SSN or your date of birth.
Safeguard your Postal mail
· Do not leave outgoing checks in your mailbox. Use post office collection boxes instead.
· Request the post office to hold your mail if you are going to be on vacation by calling 1-800-275-8777.
Password Security Tips
Do not share your User ID's or Passwords with another person or provide them to others. Safeguard your User ID and Password information—never leave the information in an unsecured location.
Website and Email Security Tips
Computer / Network Security Tips
· Don’t reveal too much personal information on social media sites.
Mobile Banking and Smartphones
· Understand that your personal information on your smartphone is more valuable than the phone itself.
· Suspend service on your phone immediately if it is lost or stolen.
· Call your bank immediately if you lose or damage your phone so it can be de-activated
· Protect your home screen with a passcode
· Don’t share your passcode with anyone.
· Ensure your device locks automatically after a certain period of time.
· Always lock your device before leaving it unattended.
· Enable Remote Wipe capability if available.
· Only download approved apps through a trusted website that monitors the apps.
· Always sign off of mobile banking when finished.
· Don’t use public internet connections such as wifi hotspots for Mobile Banking
· Use the official Bank of Coushatta Mobile Banking app.
· Don’t use “Jailbroken” smart phones
· Don’t give out your mobile phone number on websites
· Disable interfaces that are not being used, such as Bluetooth
· Delete Text banking conversations when finished.
· Don’t give your old phone away when you get a new one. You information will go with it. Wipe your mobile device before you let it go.
· Be on guard against unsolicited e-mails or text messages appearing to link to the bank’s website. Those could be phishing messages and may infect your device
· Protect your phone from viruses and malicious software just like you do for your computer by installing mobile security software
· Download the updates for your phone and mobile apps to ensure that you have the most secure version
· Avoid storing sensitive information like passwords or social security numbers on your mobile device.
· Tell your financial institution immediately if you change your phone number or lose your mobile device.
· Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroudings especially when you’re punching in sensitive information.
· Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of Ads claiming that your device is infected.
· Report any suspected fraud to your bank immediately.
· Do not give remote control of your computer to someone you do not know.
Signs your computer may be compromised
· Fake antivirus messages appear that are not part of your normal antivirus
· New toolbars appear in your internet browsers
· Your internet home page changes unexpectedly
· Frequent and random popups
· System becomes slow and unresponsive
· Your friends receive emails from you that you didn’t send.
· Your online passwords change without your knowledge
· New software programs appear that you didn’t install
· Your mouse moves without your intervention as if someone is remotely controlling your computer
· Your antivirus software is disabled and you can’t restart it
Signs your mobile device may be compromised
· Odd charges on your cellphone statements
· Larger amount of data usage than expected
· Unexpected decrease in battery life
· Apps installed that you didn’t install
What to do if your device has been compromised
· Turn the device off so no further damage can be done
· Take the device to a reputable repair shop
Consumer Protection provided by Regulation E
Regulation E provides rules for error resolution and unauthorized transactions for electronic fund transfers, which includes most transactions processed online. In addition, it establishes limits to your financial liability for unauthorized electronic fund transfers. These limits, however, are directly related to the timeliness of your detection and reporting of issues to Bank of Coushatta. It is for this reason that we encourage you to immediately review periodic account statements and to regularly monitor your account activity online. The "Electronic Fund Transfers" disclosure provided to you at the time of account opening provides detailed information. We will provide to you, upon request, a free printed copy of this disclosure.
Additional Information for Business users of Online Services
Business transactions are inherently more risky than consumer transactions because of their frequency and dollar value. In the last five years there has been a steep rise in online account takeovers and unauthorized online fund transfers related to business accounts. Recently small to medium sized businesses have been primary targets as cyber criminals have recognized that the security controls they have in place are not as robust as that of larger businesses. Bank of Coushatta suggests that you follow these basic recommendations:
· Business customers should be encouraged to perform a periodic risk assessment and an evaluation of the effectiveness of the controls they have in place to minimize the risks of online transaction processing.
o The password, website, computer and network tips above provide a starting point for this process and the web resource links provide additional detailed information.
o The FTC Business Center has a great deal of information for businesses at http://business.ftc.gov/privacy-and-security/data-security.
· Business customers should understand the security features of the software and websites they utilize and take advantage of these features. Segregation of duties—the process of separating duties so no one person can perform all steps of a transaction—is an example of a very important security feature.
· Layered security options that may be available to customers using online banking include out-of-band verification (such as telephone or email verifications), fraud detection and monitoring systems and IP reputation–based services.
Other Web Resources – Learn more and do more to protect yourself online!
FDIC Computer Security Tips for Bank Customers https://www.fdic.gov/consumers/consumer/news/cnspr15/computersecurity.html
FDIC Tips for Safe Internet Banking https://www.fdic.gov/bank/individual/online/safe.html
FDIC Consumer News. https://www.fdic.gov/consumers/consumer/news/index.html
Two user-friendly sites for users of all ages and interests:
Consumer alerts and online security tips on the FTC website:
Youth and teens and those concerned about them will find the following helpful:
Recent scams and how to report scams - Go to the IC3 website, a partnership of the FBI, the National White Collar Crime Center, and the Bureau of Justice:
Scams and fraud and tips to avoid being a victim - Go to the FBI website at:
What to do if you are a victim of Identity Theft
1. Make Sure to Document your Actions
2. Contact the Police
3. Contact the Credit Bureaus
4. Contact Credit Card Companies
5. Contact Your Bank / Broker
6. Contact Major Check Verification Companies
If your checks have been stolen or misused, contact these major check verification companies for these services:
To request that they notify retailers who use their databases not to accept your checks, call:
7. Contact Government Authorities
US Patriot Act
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24 Hour Customer Service - (318) 932-3468
Lost or Stolen Debit Card - (800) 500-1044
Monday – Thursday 9 – 4
Friday 9 – 5
Monday – Thursday 8 – 4:30
Friday 8 – 5
Your privacy is very important to us. We would like to advise you that internet email is not secure. Please do not submit any information that you consider confidential via email. We recommend you do not send your social security or account number or any other specific confidential information via email.
You are leaving Bank of Coushatta’s website and linking to a third party site. Please be advised that you will then link to a website hosted by another party where you will no longer be subject to or under the protection of the privacy and security policies of Bank of Coushatta. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Bank of Coushatta assumes no liability for the content, information, security policies or transactions provided by these other sites.