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With the increase in online spending and banking in the last two decades, it’s no coincidence that online fraud has also increased. Most online fraud is the result of unsecured personal or corporate computers. At Madison Valley Bank, we take pride in securing your personal information, and in empowering you to keep your online shopping experiences and online banking safe.
There are many steps you can take to secure your checking, credit card, and debit card accounts. These tips can help get you started.
Online fraud occurs when someone poses as a legitimate company to obtain personal data and illegally conducts transactions on your existing accounts. 'Phishing' or 'Spoofing' are common methods of online fraud utilizing fake email and websites, and pop-up windows to obtain sensitive information. Madison Valley Bank will never send unsolicited email containing attachments, or require customers to send personal information to us via email or pop-up windows. Any unsolicited request for Madison Valley Bank account information you receive through emails, Web sites, or pop-up windows should be considered fraudulent and reported to us immediately.
Be aware of suspicious or fake emails. When reading and responding to emails on your computer, apply the "If it appears too good to be true, then it probably is" rule, to avoid falling victim to email phishing and scams. Never open attachment, click on links, or respond. Suspicious emails will often:
QR codes (quick response codes) are two-dimensional barcodes that can be scanned with a mobile device to provide easy access to online information.
Fraudster will use QR codes like links or attachments in emails to send you to websites that may request your personal and financial information or could corrupt your mobile device.
Identity theft occurs when someone illegally obtains your personal information–social security number, bank account number, etc.–and uses them to open new accounts or initiate transactions in your name. Financial loss and damaged credit can result. While identity thieves can obtain personal information via online methods, the majority of identity theft occurs offline. Stealing wallets and purses, intercepting or rerouting your mail, and rummaging through your garbage are some common tactics used to obtain personal information.
Some steps to protect yourself from identity theft include:
Contact Madison Valley Bank immediately if you think your personal information has been compromised or you have been a victim of identity theft. Please have your account information and details about the suspected fraud available when you call.
Suspicious or unauthorized transactions on your account
To Report a Lost or Stolen Card
Contact all creditors, including credit card and phone companies, banks, and other lenders, to notify them of potential fraud or identity theft. Consider following up your telephone conversations with a letter.
You should close any accounts that have been breached and reopen them with new account numbers and passwords. Do not use your Social Security number as a username or password.
You should contact one of the three main credit bureaus place a short or long-term fraud alert on your credit file. This alert requires creditors to verify your identity before opening any new accounts in your name or changing any existing accounts.
Equifax: 1-800-525-6285 or www.equifax.com
Experian: 1-888-397-3742 or www.experian.com
TransUnion: 1-800-680-7289 or www.transunion.com
You should contact your local police department if you suspect that your personal or financial information was stolen. A police report will increase credibility to your case when dealing with creditors, who may require proof of criminal activity.
Identity theft can take time to investigate and completely resolve. As such you should continue to review all charges and transactions appearing on account statements and online. Be sure to immediately report any discrepancies to Madison Valley Bank or the appropriate creditor.
213 E. Main St.
109 W. Second
200 S. 23rd Ave.
9 Bankers Lane
216 Grizzly Ave.
Your privacy is very important to us. We would like to advise you that Internet email is not secure. Please do not submit any information that you consider confidential. We recommend you do not include your social security or account number or other specific identifying information.
You are leaving Madison Valley Bank's Web site and linking to a third party site. Please be advised that you will then link to a Web site hosted by another party, where you will no longer be subject to, or under the protection of, the privacy and security policies of Madison Valley Bank. We recommend that you review and evaluate the privacy and security policies of the site that you are entering. Madison Valley Bank assumes no liability for the content, information, security, policies or transactions provided by these other sites.