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Prevent Fraud

Identity Theft and Fraud

Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, with the intent to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.

How Mohave State Bank Protects You

Keeping your financial and personal information secure and confidential is one of our most important responsibilities. Mohave State Bank operates under a detailed, rigorous information security policy.

How You Can Protect Yourself

Phishing and Spoofing

Phishing and spoofing is when a criminal sends an email that falsifies the banking institution’s identity. The email message usually encourages you to disclose personal and financial information. Criminals have also been known to call, send out official looking letters, or text message victims with a false banking institution signature or phone number. It is good practice to never give out private information on the phone or in written correspondence to an unverified source.

Spyware

Spyware is another common form of fraud. This is when a criminal will use a flash drive or other modes of computer hardware to copy confidential information off  the user's computer. It is generally good practice to avoid online banking on publicly used computers in unsecured areas such as libraries, schools, hotels or other public use facilities.

Protect Yourself Against Credit Card Fraud

Protect yourself against credit card fraud by implementing some practical procedures. If you suspect that you're the victim of fraud, you should report it to us immediately.

  • Sign immediately. Sign the signature panel on your credit cards and Check Cards as soon as you receive them. Keep duplicates in a safe place.
  • Shut off mail delivery of your monthly paper statements in the mail. Choose instead to view your statements online.
  • Monitor your online statements. Verify all your transactions, and always be on the lookout for suspicious behavior.
  • Memorize your PIN. Never carry your PIN (Personal Identification Number) on your person. Memorize it, or keep the number in a safe place at home.
  • Verify your card. Be sure your credit card is returned following any purchase(s) you make, and make sure that it is indeed your card that was returned.
  • Wait for your card receipt. Never leave your credit card receipts at the checkout counter. Always take your charge slips with you, and tear up any carbons.
  • Save your receipts. Check receipts against your online monthly billing or account statements to verify all of your transactions. Report any unauthorized transactions immediately. Once you have reconciled your billing statements, tear up all receipts and discard them at home.
  • Check your statements and watch your charges. Sign in to Online Banking and view your e-statements to verify that they properly reflect the amount(s) you have authorized. Also, watch for multiple charges.
  • Keep your statements private. Always keep your statements in a safe place.
  • Shred printed statements as soon as you have verified the information.
  • Keep your card 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, so don't give your card to others. Also, periodically check to make sure you have all your cards.
  • Keep a list of all your card account numbers, as well as of telephone numbers to call if your cards are ever lost or stolen. Make sure they are in a separate, secure place.
  • Be cautious when giving out your card number over the phone. Never provide account information to anyone who called you.

Use your ATMs safely

  • Use ATMs with surveillance cameras. Mohave State Bank ATMs may be monitored by surveillance cameras, which record activity in the area of the ATM.
  • Be aware of strangers. When you enter or exit an ATM in an enclosed area, be sure you close the entry door completely. Do not open locked ATM vestibule doors for others, or allow any unknown persons to enter the ATM area while you are making your transaction. Authorized customers should have their own access.
  • Put away your card and cash. After completing your transaction, secure your card and cash immediately, before exiting the ATM area. Count your cash later, in the safety of your locked car or home.
  • Treat your ATM card like cash. Always protect your card by keeping it in a safe place. If your card is lost or stolen, contact us immediately.
  • Protect your privacy. Shield the ATM keypad with your hand or body while entering your PIN. Do not leave your transaction record at the ATM. Keep your transaction record in a safe place, so you can compare it to your later statements.
  • Be cautious at drive-up ATMs. If you use a drive-up ATM, be sure your passenger windows are rolled up and your doors are locked.
  • Be careful at night. Be aware of your surroundings, especially after dark. If you must use an ATM at night, consider taking someone with you.
  • Stay alert. If you notice anything suspicious or that you deem unsafe, such as the lighting around the ATM not working, use another ATM or return later.
  • Report suspicious behavior. Report all crimes immediately to law enforcement officials and your local banking centers.
  • Request emergency assistance and security. If you need emergency assistance, call 911 from the nearest telephone. If you have a complaint about the security of a Mohave State Bank, call (928) 855-0000.

Additional Helpful Resources:

10 Tips to Protect From Identity Theft & Fraud
Fight Back Against Identity Theft
Equifax
Experian
Trans Union
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