Home
Business Banking Personal Banking Savings & Investments Loans & Mortgages

Identity theft occurs when a person's identity is stolen for the purpose of opening credit accounts, stealing money from existing accounts, applying for loans, or committing crimes.  Here are a few guidelines that will make it more  difficult for fraud artists to target you:

  • Don't put your Social Security number, driver's license number or other unnecessary information on your checks.
  • Don't disclose information to strangers on the Internet, by telephone, or through the mail.
  • Shred or destroy credit card offers and other documents that contain personal information.
  • Examine statements for unauthorized charges.
  • Use Federal Trade Commission (FTC) resources to develop knowledge of identity theft.
    -- http://www.ftc.gov/bcp/conline/pubs/alerts/phishingalrt.htm  FTC, "How Not to Get Hooked by the 'Phishing' Scam," July 2003
    -- http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm FTC, "ID Theft: When Bad Things Happen to Your Good Name," Sept. 2002

Avoid E-Mail Fraud and "Phishing"

What's phishing?  Phishing is a form of fraud that uses authentic-looking e-mail to convince people to send their  credit card numbers, bank account information, Social Security numbers, passwords, and other confidential and  private information to an unknown person.  In the e-mail, the perpetrator uses various means to convince  customers that they are receiving a legitimate message from someone whom the customer may already be doing business with, such as a bank.  Techniques such as a false "from" address or the use of seemingly legitimate bank logos, Web links, and graphics may be employed to mislead the customer.  Here are few tips that will make it more difficult for fraud artists to target you:

  • Never send confidential or financial information in an e-mail message. Forest Park National Bank will never request confidential information through e-mail. 
  • Don't click Web links in suspicious e-mails.
  • Never enter confidential or financial information in an online form that you accessed from a Web link in a suspicious e-mail.
  • Don't trust that a message is from whom it appears to be from. The "From" address in an e-mail message is easily forged.
  • Contact the Bank that the message appears to be from if you receive an e-mail asking for private or confidential information.

What to Do if You've Become a Victim of Identity Theft

Identity thieves can cause a lot of damage in a short amount of time.  The most important thing you can do if someone steals your identity is to act quickly.  

1. Report the theft to the three major credit reporting agencies:

Equifax

  • Order a credit report: 1-800-685-1111
  • Report fraud: 1-800-525-6285

Experian

  • Order a credit report: 1-888-397-3742
  • Report fraud: 1-888-397-3742

TransUnion

  • Order a credit report: 1-800-916-8800
  • Report fraud: 1-800-680-7289

2.  Notify Forest Park National Bank and ask us to flag your account and contact you regarding any unusual activity.

3.  Notify the issuers of the credit cards you carry.  If unauthorized charges appear on your legitimate credit cards or if unauthorized cards have been issued in your name.

4.  File a complaint with the Federal Trade Commission, www.ftc.gov.  Ask for a free copy of ID Theft: When Bad Things Happen in Your Good Name, a guide that will help you guard against and recover from your theft.

5.  Contact your local police department to file a criminal report. 

Personal Online Banking
spacer image Personal Online Banking Enrollment
Business Online Banking
spacer image
 
Online Banking Survey
Mobile BankingOnline BankingBank-by-PhoneFinancial CalculatorsCommunity ResourcesAbout UsContact UsSwitch KitSwitch Kit

Member FDIC Home | PRIVACY POLICY | Terms of Use | USA PATRIOT ACT | Business Banking
Personal Banking | Savings & Investments | Loans & Mortgages | Online Banking | FDIC Information
Get Adobe ReaderGet Adobe Reader
Equal Housing Lender
     
link to locations and hours