Equifax Breach Info

Concerned about the Equifax breach?  To assist you, we have complied some information regarding the breach thus far and how you can best protect yourself.

The Equifax Data Breach: What to do – Federal Trade Commission

Equifax breach: How to protect yourself – Fox Business

This is another reason why NorthSide Bank’s Star Secure Checking is such a great account. Your Star Secure Checking account features IDPROTECT® Identity Theft Protection Service.

IDPROTECT® – IDENTITY THEFT PROTECTION SERVICE1 INCLUDES:

Automatic benefits – no action needed by user. These benefits are active and are available to account holders should an identity fraud incident occur:

  • Up to $10,000 identity theft expense reimbursement coverage2 – to cover expenses associated with restoring your identity
  • Fully managed Identity Theft Resolution Services
  • Access to a fraud specialist assigned to manage your case who will work with you until your credit and identity are restored

Benefits that require REGISTRATION AND ACTIVATION (Online registration and activation is recommended for the earliest warning of credit file activity that may indicate possible identity theft):

Credit File Monitoring – daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports

Total Identity Monitoring – monitoring of over 1,000 databases including credit, Social Security, public records, real property records, telephone and many others

3-in-1 Credit Report – request a new 3-in-1 report every 90 days or upon receipt of credit alert

Credit Score – receive a new single bureau credit score with every new credit report

Debit and credit card registration – Register your credit, debit and ATM cards with us and receive assistance from IDProtect should your cards become lost or stolen

Online identity theft news center and valuable phone and web resources

1IDProtect service is a personal identity theft protection service available to account owner(s) and their joint account holders. The service is available to non-publicly traded businesses and their business owner(s) listed on the account (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For al other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered).

2 Special Insurance Program Notes: The descriptions herein are summaries only. They do not include al terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is enclosed.

Be sure to take advantage of these security benefits offered to you, just for being a NorthSide Bank customer.

 

TIPS TO SAFEGUARD YOUR IDENTITY

Tip 1.       Go to www.SecureChecking.com and register and activate your credit file monitoring benefits and request your credit report, or call 1-866-210-0361.

Tip 2.       Remove your name from pre-screened credit offers at www.optoutprescreen.com or call 1-888-567-8688.

Tip 3.       Add your telephone number(s) to the National Do Not Call Registry at www.donotcall.gov or call 1-888-382-1222.

Tip 4.       Remove your name from individual Direct Mail Association Member mailing lists at www.dmachoice.org.

Tip 5.       Place an alert on your credit file if you believe you have been affected by identity theft. Go to the Secure Checking website to find the link to the Equifax® Fraud Alert Website or you may call Equifax® at 1-888-766-0008 or mail to Equifax Consumer Fraud Division, PO Box 740256, Atlanta, GA 30374. If you place an alert with one of the credit reporting agencies they will in turn notify the other two agencies. Information for TransUnion® and Experian® can be found on the Secure Checking website.

Tip 6.       In addition to contacting the three credit reporting agencies, you may request a credit report and place a fraud alert at www.innovis.com. Click on the Personal Services tab to get a credit report and place an alert on your file. Innovis offers one free copy of your Innovis Credit Report every 12 months.

Tip 7.       To receive free email reminders to renew your fraud alerts and reorder your credit reports, register your email address with the Secure Checking website.

Tip 8.       For additional copies of your credit report, go to www.annualcreditreport.com or call 1-877-322-8228.

Tip 9.       Avoid carrying Social Security cards, birth certificates or passports and extra credit cards. If you carry a health care card and your Social Security number is used as your ID number, ask if it can be changed.

Tip 10.     Avoid using unsecured mailboxes. Promptly remove mail from your mailbox. Deposit outgoing mail containing personal information at your local post office. If you can’t pick up your mail, contact the U.S. Postal Service at 1-800-275-8777 or www.usps.gov to request a vacation hold.

Tip 11.     Pay attention to billing cycles. If bills or financial statements are late or you fail to receive, contact the sender immediately.

Tip 12.     Select intricate passwords – don’t use information that is easily available like your birth date, your mother’s maiden name, phone number, or the last four digits of your Social Security number. Don’t store passwords in your phone or carry them in your purse or wallet.

Tip 13.     Shred your mail and important documents when disposing of bank statements, credit card bills, convenience checks, pre-approved credit offers, insurance statements and other documents that may contain personal information.

Tip 14.     Handle your personal identifying information with care. Don’t give out personal information on the phone, through the mail or over the internet unless you initiated the contact.