5 Tips to Help You Fight Identity Theft
Your identity is at risk of being stolen every day, from potential data breaches at retailers and health-care centers to online hacking, ATM skimming schemes and good old-fashioned thievery.
Here are some tips on protecting yourself and keeping your personal information secure, as well as what to do if you fall victim.
Safeguard your information
You need to memorize and keep all of your personal information private, even from family and friends. This includes your personal identification, account and Social Security numbers, credit card data and logon information, and passwords. Never let a website store your information or card numbers.
Create strong passwords for your accounts; your passwords should combine a mix of letters, numbers and special characters. It's also a good idea to change passwords periodically, and don't use the same passwords for all your accounts.
Monitor your accounts
Check your credit and bank account statements frequently to spot any unfamiliar transactions. You should also take advantage of the free credit history checks you can make each year at each of the three major credit-reporting bureaus.
If you find any suspicious activity or errors on your report, notify the corresponding bureau immediately. Some lenders, like First Capital Federal Credit Union, help customers keep up with fraud schemes and hacker threats.
Cautious card use
Only use your debit or credit card at places you know you can trust. Standalone ATMs can be hot spots for skimming scams, so be wary. Hackers sometimes attach electronic card readers to these machines that record your account information to steal it.
At restaurants and other places where your card goes out of sight, it's best to use cash whenever possible and keep track of receipts.
Pay online safely
When making online payments, look for a website security seal that says "TRUSTe." This indicates that the site is in good standing with the Federal Trade Commission's regulations regarding privacy and security. Secure sites also include "https" in the web address.
Report identity theft
If identity theft happens to you, contact the financial services provider associated with the account. You can opt to have your credit report frozen as well.
Then, call the FTC at 877-438-4338 or file a report online. Fill out a police report as well, to ensure the crime has been documented.
Identity theft can happen to anyone, but you can make yourself less vulnerable by taking this proactive approach to protecting your personal information.
By Anna Helhoski, NerdWallet
410 Days at FCFCU!
So there I was, December 16, 2013, fifty-nine years old and it was my first day of work at First Capital Federal Credit Union. After thirty-one years of successful employment at a previous employer, I was struggling through the simplest of things, like just finding my office. We have all been there.
Before long with the help of Andrew, Devan and others, I could find my office on a fairly consistent basis. But I also found something else, something I didn't expect. I found a management team that cared more about their staff and members than their own personal goals.
"How could this be?" I thought. How could any business succeed in a very competitive industry when they don't always put dollars and cents first? Yet there it was every month, always positive budget numbers, always near the top compared to our peers. Then it struck me, it was all of us working together for the members that makes us great! I am truly thankful to be part of this team! I guess they are wrong, you can teach an old dog new tricks.
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Welcome to our New Blog!
Welcome to First Capital's new blog! We are excited to offer you this opportunity to communicate with us on any topic of your choice. Our first question to you is "DO YOU KASASA?" If you don't, you're missing a great opportunity not offered by other banks and credit unions in Central PA. Check it out! Great rates and deals...Kasasa®
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