Monitoring your credit card and account activity is the best way to help detect if you have been a victim of fraud. While Mohave State Bank and Country Bank utilizes the Enfact system to monitor any suspicious activity, we urge you to detect fraud by following these steps:
- Over 50 percent of all identity fraud is first discovered by the victim.
- The sooner fraud is detected, the lower the financial impact.
- Customers who access their accounts online detect identity crime earlier than those who rely solely on mailed statements.
- Customers who set up email alerts receive timely notification about important activity in their accounts, which can help identify fraud quickly.
- Customers who choose to receive electronic statements instead of mailed statements reduce their risk of mail fraud.
Learn how to recognize fraud
- If you find new accounts on your credit report that are not yours. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. Please visit www.annualcreditreport.com for more details.
- If you did not receive an expected bill or statement by mail.
- If unexpected charges occurred on your account.
- If there are charges on your account from unrecognized vendors.
- If posted checks appear on your account significantly out of sequence.
- If you receive credit cards that you didn't apply for.
- If you are denied credit or are offered less than favorable credit terms for no reason.
- If you get calls from creditors or debt collectors regarding merchandise or services that you did not buy.
Check your credit report annually
Alert a Credit Bureau
If you suspect you might be a victim of identity theft, contact the three major credit bureaus listed below to place a fraud alert on your credit file. You also can order a credit report to identify any unauthorized activity.
Trans Union: 1.800.680.7289
Practice "10 Tips to Protect from Identity Theft & Fraud" or read more about identity theft:
Have questions or need more help? If at any time you have questions regarding security, privacy, or possible fraud, please call us at (928) 855-0000 or fill out our contact us form.