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Preventive Steps for You
Monitor Credit Report
Your credit report may affect mortgage rates, credit card applications, or even some job applications. Reviewing your report annually helps you catch signs of identity theft early. You can receive your free annual credit report from any three of the major bureaus (Equifax, Experian, and Trans Union) through www.annualcreditreport.com
Be Vigilant Against Financial Abuse
Control Your Debit Card
Protect Your Device
- Keep your device’s operating system, software, and apps up to date—be sure to go the company’s website to confirm the update is legitimate
- Install and regularly update anti-virus software on your desktop, laptop, and tablet
- Set up a password for your device and lock it when not in use
- Do not install or run any program or app on your device, unless it is from a trusted source
- Before you sell, donate, or trade in your device, make sure to wipe it or do a factory reset on it. This option can typically be found under a settings or control panel.
Protect Your Information
- Create cOmplic@t3d passwords and change them at least 3 times a year
- Always log out when finished using UCB’s digital banking
- Never store personal or financial information, including passwords, on your device
- Be cautious using public Wi-Fi as even reputable hot spots can be compromised
- Don’t click links in spam emails—even those forwarded to you by someone you know
- Monitor your financial statements regularly for unexplained activity and promptly dispute any activity that looks suspicious. Using our free digital banking allows you to monitor your accounts in real time.
- Periodically check your credit report to make sure all your personal information is accurate at annualcreditreport.com
- Sign up for account activity alerts in digital banking under Manage Alerts tab
Beware of Common Scams
- IRS scam during tax season
- Tech support scams claiming your computer is infected or damaged and needs to be repaired immediately, and demanding payment.
- Want to learn about more common and clever scams to protect yourself? Visit the Federal Trade Commission’s alert board: www.consumer.ftc.gov/scam-alerts
Be Safe While Shopping Online
- Use secure, unique passwords.
- Use a single card for online purchases (preferably a credit card) and monitor purchases regularly.
- Don’t use public computers for online shopping.
- Beware of phishing ads or popups for deals that seem too good to pass up.
- Make sure you are on the official store website, and not a fraudulent look alike site with similar URL.
What We Do
Notify You of Suspicious Card Activity
We monitor your debit card 24/7 to spot potential fraud or unusual activity. You will be notified of potential fraud as it is identified and may be asked to verify the transaction. This service is of no cost to you.
Offer Discounted Identity Theft Protection
Enroll in Deluxe Provent Identity Theft Program, an online service to protect yourself and your family from identity theft and fraud—also available via an app. Discounts apply for qualifying checking account customers. Contact a personal banker to learn more.
Recover Your Identity
When a data breach, theft, or loss exposes your personal information, take action. The Federal Trade Commission has an easy-to-use, interactive ID checklist to know what steps to take when your information falls into the wrong hands.
Has Your Identity Been Stolen?
Report a Lost or Stolen Card
If you believe that your card has been lost or stolen, call us at 218-346-5700 as soon as possible. If it’s after normal business hours, please call:
- UCB debit cards: 844-202-5333
- Prepaid Visa card: 800-486-0292
- Elan Visa credit card: 800-558-3424
To report fraud on your UCB account or if you have any questions, call us at 218-346-5700.
Contact one of the three major credit bureaus to place a fraud alert on your credit report, as well as a victim’s statement asking that creditors call you before opening new accounts or charging existing ones.
- Equifax (888) 766.0008
- Experian (888) 397-3742
- Trans Union (800) 680-7289
As required by law, that credit bureau will report the information to the other two bureaus for you. You should also:
- contact creditors for any accounts that have been affected
- always follow up with a letter and keep copies of everything
- close affected accounts and assign passwords to new ones
If you ever receive a suspicious piece of communication supposedly from us, please call us at 218-346-5700 to confirm it.