Protecting Your Identity
Protecting your identity is of extreme importance, as over 27 million Americans have experienced Identity Theft. According to the Federal Trade Commission, this fast-growing crime has cost its victims over $475 million a year. Identity Theft is when your personal information is stolen and used to make unauthorized financial transactions, often in checking, savings, and credit card accounts. This fraud can damage your reputation and your credit rating. Private Bank of Buckhead, including its Private Bank of Decatur and PrivatePlus Mortgage divisions, is committed to keeping your personal information secure and your account(s) safe from unauthorized access.
Ways to Protect Yourself from Identity Theft
Do not write or give your ATM/Debit card PIN number to anyone.
Never give out your personal financial information such as SSN, checking account or credit card account numbers through the mail, telephone or Internet unless you initiated the contact and you are certain the company or individual is reputable.
Immediately report any lost or stolen Debit/ATM, credit cards or personal checks to the bank.
Shred any bank statements, charge receipts, old checks, bank statements or financial solicitations before throwing them away.
Examine your credit card, debit card and bank statements immediately when you receive them to determine if there are any unauthorized transactions. Report any findings immediately.
Safeguard your passwords to internet banking and change them every 90 days.
Your PIN numbers and passwords should never be easy to guess (such as street addresses, birthdates, and pets’ names)
Avoid email scams such as “Phishing”
“Phishing” is the use of fraudulent emails and websites designed to fool recipients into divulging personal financial information such as credit card numbers, account usernames and passwords and social security numbers. By posing as trusted brands of well-known banks, online retailers and credit card companies, “phishers” are able to convince recipients to respond to them.
If you ever receive an email or a letter from the bank asking for any personal information, do not answer it as it could be a hoax. Please contact your banking representative to verify the authenticity of the request before you respond.
To prevent falling victim to Phishing:
Even though the letter or email may contain the bank’s logo or other seemingly familiar information, be suspicious and do not give your any confidential information until you have confirmed the legitimacy of the request. Report any suspicious emails or letters to the bank so the bank may investigate.
If you suspect the message may not be authentic, do not use the link provided in the email to get to a webpage. Call the company or go directly to their website by typing in the address in your web browser.
Ensure the security of the website. Make sure you do not enter any personal information on a non-secure website. The website will have an “s” in the websites address https:// if it is secure.
If you do not recognize an email sender DO NOT OPEN THE EMAIL just delete it, as it may have a virus attached that will automatically download if the email is opened.
Ensure that your browser is up to date and update your computer’s virus protection periodically.
Our commitment to you, our client:
Each individual at Private Bank of Buckhead (including Private Bank of Decatur and PrivatePlus Mortgage) is dedicated and committed to keeping your account(s) safe from unauthorized access. We will never send emails asking our customers to provide, update or verify personal or account information, or any other confidential information.
If you suspect that your identity has been misused to commit fraud take immediate action.
- Contact the fraud departments of each of the 3 credit agencies:
- Contact your bank and credit card companies immediately to stop access to your accounts.
- File a police report at your local police department.
It is important to educate yourself on this important issue. Please visit www.ftc.gov/ and click on consumer protection or call (877) FTC HELP (877-382-4357). Please contact us at Private Bank of Buckhead (404-264-7979), Private Bank of Decatur (404-809-3930) or PrivatePlus Mortgage (404-480-4111) if we can help answer any questions or be of further service.