Credit Card Fraud
Please use the following website for
more information about identity theft.
Sign immediately. Sign the signature panel on your
credit cards as soon as you receive them and keep duplicates in a safe
Memorize your PIN. Don't carry your PIN (Personal
Identification Number). Memorize it or keep the number at home.
Verify your card. Be sure your credit card is
returned after a purchase, and that it is indeed your card.
Wait for your card receipt. Don't leave your credit
card receipts at the checkout counter. Always take your charge slips and
tear up any carbons.
Save your receipts. Check them against your monthly
billing or account statements to make sure you can identify all of your
transactions. Report any unauthorized transactions immediately. After you
have reconciled your billing statements, tear up all receipts and discard
them at home.
Check statements and watch your charges. Verify
that your monthly statement reflects the amount you authorized. Also,
watch for multiple charges.
Keep it private. Keep your statements in a safe
Out of sight. Never leave your purse or wallet
unattended and always keep your cards out of plain sight.
Never lend your card. Your credit card is your
responsibility. Also, periodically check to make sure you have all your
Keep a list. In a separate location, keep a list of
account numbers and telephone numbers to call if your cards are lost or
Check statements and watch your charges. Be
cautious when giving your card number over the phone. Verify that your
monthly statement reflects the amount you authorized. Also, watch for
How you can Protect Your
Your role in protecting personal information
Do not respond to un-solicited e-mails from companies with
which you do business requesting that you re-validate personal information
or that link to Web sites requesting that you re-validate personal
information. Should you receive such an e-mail, contact the company
directly via phone or by typing in their home URL directly to determine
the validity of the e-mail.
If e-mails or Web sites contain typographical or
grammatical errors, review them carefully as these are often signs of
fraud attempts to compromise your information.
Do not click on "links" you receive in an e-mail message.
Open your browser and enter the address directly.
Do not share your ID or password with anyone.
Change your password regularly.
Only provide your personal or account information online
to sites you trust and where you initiated the contact.
Remember to sign off the Web site once you have submitted
an application or completed a secure online session.
When your computer is not in use, shut it down or
disconnect it from the Internet.
If you think you may have provided information to a fraud
perpetrator, change your password immediately and monitor your account
Computer virus protection
Anti-virus protection. If your computer becomes
infected with a virus, you could possibly lose information and incur
repair expense. Make sure your computer has an anti-virus protection
program installed to reduce the risk of your computer becoming infected.
Automatic upgrades. We recommend that you purchase
a program that automatically upgrades your virus protection on a recurring
basis. If you currently do not have this automatic upgrade feature, make
sure you update your virus detection program weekly and when you hear of a
Attachments. We advise not to open attachments or
diskettes unless you are certain that you can trust the source. Learn how
to manually screen diskettes and attachments if your anti-virus software
does not automatically screen for viruses.
Protecting Yourself from
Identity fraud happens when someone steals personal
information such as your bank account number or Social Security number and
then uses this information illegally, such as withdrawing money from your
Take these precautions to protect your
Be discriminating when providing personal information
such as Social Security number and account or credit card information
over the telephone, in person or on the Internet. Don't give out this
information unless you are sure with whom you are dealing.
Protect your Social Security number and the Social
Security numbers of your children and other family members by not carrying
them in your wallet.
Report lost or stolen checks, credit or debit cards
immediately. First Federal will block payment on the check numbers or
account numbers involved.
Store cancelled checks, new checks and account
statements in a safe place.
Notify your banker of suspicious phone inquiries
such as those asking for account information to "verify a statement" or
"award a prize."
Review your credit report at least once every year.
Make sure all information is up-to-date and accurate.
Memorize your PIN (Personal Identification Number)
and refrain from writing it, your Social Security number or credit card
number on a check.
Tear up or shred any pre-approved credit offers to
which you do not respond. Thieves can use these offers to assume your
Keep mail secure. Don't mail bills or sensitive
information from your home or unsecured mailboxes. Retrieve and review
your mail promptly. Thieves may use the personal information contained in
your mail to steal your identity.
If you do not receive your regular bills when expected,
call the company to find out why.
Review your monthly account statements thoroughly.
Investigate suspicious items immediately to head off any possible fraud
before it occurs.
Do not carry your Social Security card, passport or
birth certificate unless needed that day.
Many Internet users have recently been targeted by a growing
number of e-mail scams. The scams involve unsolicited e-mails that ask
customers to disclose sensitive account information at a website that has
been created as an imitation or copy of an existing legitimate Web page.
These fraudulent messages attempt to obtain information such as account
usernames and passwords, PIN numbers, credit card numbers, social security
To protect yourself from such scams, remember the following:
Do not respond to unsolicited e-mails appearing to be from
First Federal asking for account or other personal information
Exact content of these e-mail scams will vary, but the
scam remains the same - to obtain account information
Do not reply or click on the links provided in such an
e-mail - this confirms the validity of your e-mail address and may lead to
Never share usernames, passwords, or PIN numbers
At First Federal, we take the security of your account very
seriously. As a general business practice, we would not ask for this type of
information by unsolicited e-mail.