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Security Bank of Southwest Missouri

Safeguarding Your Personal Information

MasterCard® SecureCode™

SecureCode is a service that helps protect MasterCard card accounts against unauthorized Internet transactions by using identity information established between an individual cardholder and his or her financial institution. Security Bank of Southwest Missouri, in conjunction with SHAZAM and Arcot Systems are providing this service to you to improve the security of payment transactions in the electronic commerce environment. Once you activate SecureCode, your card cannot be used at a participating Internet merchant without authentication by an authorized user of your account.

You will find SecureCode easy to use. When you enroll in SecureCode and then use your MasterCard card for an Internet purchase at a participating merchant, a window displays requesting your password in much the same way your enter a PIN during a face-to-face transaction. After you enter your password, the information is authenticated and then the transaction is submitted to your financial institution for authorization.

If you have any questions about how to create or use your SecureCode, please visit https://shazam.cardinalcommerce.com/CardServices/  to register or call us at 417-847-4794 for more information.  Do to a platform change all cardholders previously enrolled will be required to register again.

 

ShazamChek MasterCard Identity Theft Resolution Service

Your MasterCard card will have new benefits.  Effective July 14, 2014, benefits will include Identity Theft Resolution Services.  To learn more about this valuable benefit, please call 1-800-MC-ASSIST (1-800-622-7747).  To request a printed Guide to Benefits, call 417-847-4794.  You can also visit www.mastercard.com/debitstandard-gtb for a full description of the new benefits and how to use them.

 

Tips To Avoid Identity Theft and Fraud

 

  • Request your free annual credit report from all three major agencies every year and check it carefully for suspicious activity. Order the reports online at www.annualcreditreport.com or by calling 1-877-322-8228. You will go through a simple verification process and your reports will be mailed to you.

     

  • Keep your Social Security card, birth certificate and any other important identification documentation in a secure place.

     

  • Be cautious about where you leave any documents. Think of your bills and bank and credit card statements as direct access to your cash and secure them accordingly. Consider shredding sensitive documents rather than simply throwing them away. (Some thieves will go through garbage to find personal information).

     

  • Make sure to lock up personal files at work and be aware of who has access to your workspace and employee information.

     

  • Do not give out personal information over the phone unless you initiated the call or are absolutely certain with whom you are speaking. Ask how any information that you provide will be used and secured.

     

  • Photocopy the contents of your wallet in case your wallet or purse is lost or stolen. Copy both sides of your license, credit cards, bank cards and all other pertinent information. Keep the copies in a secure place.

     

  • Don't carry credit and debit cards that you absolutely don't need. This will minimize the potential damage if your wallet is lost or stolen. Be aware that most health benefit medical and pharmacy cards have the holder's Social Security number imprinted on the front. If you don't need to carry these with you, don't.

     

  • Memorize personal identification numbers (such as your ATM card PIN) and online passwords. Don't keep those numbers or passwords in your wallet or purse. Never write them on the cards themselves! Avoid using easily available personal information like a birthday, nickname, mother's maiden name or consecutive numbers. If asked to provide your Social Security number, ask if another identifier can be used instead.

     

  • When using your credit card in restaurants or stores, keep a constant eye on your card and who is handling it. Be aware of the “swipe and theft” scam using card skimmers. A skimmer is a machine that records the information from the magnetic stripe on a credit card to be downloaded onto a personal computer later. Your card can be swiped on a skimmer by a dishonest employee and that data can then be used to make duplicate copies of your credit card.

     

  • Be mindful of “shoulder surfers” when using ATMs and never use an ATM that looks like it has been tampered with or otherwise altered.

     

Protect Your Bank Accounts and Your Mail

 

  • Whenever possible, place passwords on your accounts. Review your account statements on a regular basis and consider using online or phone balance and transaction review features. This will help you to quickly notice any discrepancies that could indicate fraudulent activity.

     

  • Shred documents that contain personal information before discarding them. Shred all unwanted balance transfer checks and pre-approved offers for credit cards or loans before disposing of them.

     

  • Be careful about information you provide on your personal checks. Never print your driver's license or Social Security number on your checks.

     

  • When ordering new checks, pick them up at the bank rather than having them mailed to your home. If you have a post office box, use that address on your checks rather than a home address. Store new and cancelled checks in a secure place not accessible to others.

     

  • Do not write your account number on the outside of payment or deposit envelopes.

     

  • Pay attention to your billing cycles. If you don't get your bills in the mail on time, be suspicious and call the company to make sure that no one has changed your billing address or diverted your mail.

     

  • Check your credit reports on a regular basis. Order a copy of your credit report from each of the three major credit-reporting agencies (Equifax, Experian and Trans Union) at least once a year. Confirm that the information they have about you is accurate and dispute anything that is not. Checking the facts will NOT affect your credit rating.

     

  • Consumers can remove their names from the marketing lists of the three credit reporting bureaus by calling 1(888) 5-OPT OUT. This will reduce the amount of solicitation mailings you receive (such as pre-approved credit card applications).

     

  • If you will be away from home for an extended period of time, call the U.S. Postal Service and ask that your mail be placed on “vacation hold.” The U.S. Postal Service can be reached at 1(800) 275-8777.

     

Internet and Computer Safeguards

 

  • Install a firewall on your home computer to prevent hackers from obtaining personal identification and financial data from your hard drive. This is especially important if you connect to the Internet by DSL, cable or high-speed modem. If you use a broadband or DSL connection, call the supplier to make sure your modem is equipped with a feature called NAT, or Network Address Translation. This makes it harder for criminals on the Internet to find your computer.

     

  • Install and regularly update virus protection software on your computer to prevent a worm or virus from causing your computer to send out files or other stored information.

     

  • Password-protect your computer, cell phone and/or PDA (e.g., Palm Pilot, Blackberry). Use a password made up of a combination of non-sequential numbers and letters and don't use obvious words or dates.

     

  • If your computer has a built-in encryption option for individual files or for your hard drives make sure that option is enabled or look into installing encryption software. Encryption will scramble your private information making it unreadable to unauthorized persons. Your computer's standard log-on password protection won't prevent a thief from accessing your hard drive if your computer is lost or stolen.

     

  • Before disposing of your computer, remove data by using a strong "wipe" utility program. Do not rely on the "delete" function to remove files containing sensitive information.

     

  • When shopping online, do business with companies that provide transaction security protection and have strong privacy and security policies and carefully review those policies before making purchases. Make sure that you are actually on the website you wish to be on as some online “phishers” create bogus sites that mimic real ones in order to capture unwary shoppers' personal information.

     

  • Do not use your Social Security number on the Internet.

     

  • When you are finished with any secure online session (such as online banking) always remember to log off or close your browser window.

     

  • Do not invite trouble in by downloading files or clicking on hyperlinks or attachments that you are not expecting or that are sent from unfamiliar people or destinations. Even emails that appear to be from familiar and trusted sources can be fraudulent.

     

  • If you must use a public computer, confirm first that it is not running a desktop search engine and that the proprietor has denied users administrative privileges so they can't install any programs that might be used to capture your emails or passwords.

     

If You Are a Victim of Identity Theft

 

  • File a police report at your local precinct; get your complaint number or a copy of your report.

     

  • If your license has been stolen, take your police report to your local Department of Motor Vehicles when you apply for a duplicate license. Ask them to attach a copy of the report to your records. If you have evidence that another person got a license, registration document or title certificate in your name ask for and file a Form FI-17 (Report of Unauthorized Use).

     

  • Report lost or stolen checks, deposit tickets and/or bank statements immediately.

     

  • Report suspicious activity and unauthorized charges immediately to all of your creditors by both phone and certified mail. Print and fill out an ID Theft Affidavit and send a copy to each of your creditors, to each of the three credit bureaus and to the police. This affidavit can be found on the FTC's website at http://www.ftc.gov/bcp/conline/pubs/credit/affidavit.pdf

     

  • Contact the Federal Trade Commission's fraud hotline at (877) ID-THEFT or at www.consumer.gov/idtheft

     

  • Contact the three major credit reporting agencies and have them place a fraud alert on your file:

    Equifax Fraud Assistance Department: (800) 525-6285 or www.equifax.com

    TransUnion Fraud Victim Assistance: (800) 680-7289 or www.transunion.com

    Experian: (888) EXPERIAN (397-3742) or www.experian.com

     

  • Call the Social Security Administration's fraud hotline at (800) 269-0271 or go to www.ssa.gov/oig. If you suspect that someone is using your Social Security number, you can check your earnings record by calling (800) 772-1213. You can also obtain a “Request for Social Security Statement” (Form 7004) by going to www.ssa.gov/online/ssa-7004.pdf

     

  • If your bank account has been compromised at all, close the account completely and open a new one.

     

  • If your checks have been lost or stolen contact a company called Scan (800) 262-7771 to find out if any bad checks have been passed in your name. Contact the major check verification companies and ask them to alert retailers not to accept your stolen checks:

    Certegy Inc.: (800) 437-5120

    Telecheck: (800) 710-9898

    International Check Services: (800) 526-5380

     

  • Keep copies and detailed records of all of your correspondence!

     

  • The faster you act to report identity theft, the faster your good name and credit can be restored.

     

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