-- Around the holidays fraud attempts tend to increase. Be aware and vigilant with your financial, password, and personal information. Do not share this information with unsolicited callers or emailers. The Bank and other financial institutions will not make unsolicited calls or send unsolicited emails asking for this information. --
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.