ONLINE SECURITY TIPS
CREDIT REPORT, CREDIT AND DEBIT CARDS
ONLINE SECURITY TIPS
Use the online security tips below to protect yourself and
your family when you are online at home or on a mobile device
while you’re on the go.
√ Ensure your wireless internet
router is secured with a strong password.
√ Keep firewalls
and security systems on your computer updated.
√ Use only the
latest operating systems on your mobile devices to ensure
security systems are patched.
√ Be wary of using public Wi-Fi
on a laptop or mobile device; do not make purchases when
connected to public Wi-Fi.
√ Before making purchases online,
ensure the URL starts with “https” and there is a padlock icon
in the address bar. This indicates information you provide is
√ If your browser notifies you that a site is not
secure, hit the “back” button.
√ When opening emails, open
only those from senders you recognize. Do not click on links in
emails from people you do not know or did not initiate a
√ Watch out for misspellings, grammar
issues or phrases like “we need you to confirm your membership
with us” in emails, as these are good clues the email is a
√ Limit the amount of personal information
you provide to social networks.
√ Do not use the same
password for all logins and rotate your passwords regularly.
Bank will NOT ask for your personal information via a phone
call, email, or text message. The steps you should follow when
you receive this type of message or phone call are to ignore it,
delete it, and phone Heritage Bank to report it. DO NOT follow
the instructions given – when in doubt, call Heritage Bank
Criminals will craft their false messages
with a sense of urgency to make you think you need to follow the
instructions they give you quickly, before you have a chance to
think about it. For instance, “Your Heritage Bank account has
been shut down.” Or “Heritage Bank has deactivated your ATM
card. Phone XXX-XXX-XXXX to reactivate immediately.” Beware of
these types of messages! Fraud attempts are occurring on a
regular basis using a variety of bank names - we want to help
you avoid becoming a victim.
CREDIT REPORT, CREDIT AND DEBIT
√ Minimize the number of
credit and debit cards you use, and carry only one or two at a
√ Cancel any unused accounts. They
provide additional targets for identity thieves. However, be
aware that canceling credit cards may affect your credit score
√ If you expect a new or reissued credit or debit
card in the mail and it doesn't show up on time, contact the
√ Check your credit reports at least
twice a year. Ask for the 3-in-1 merged credit report with a
summary from all three credit bureaus. Under the federal FACT
Act, consumers are entitled to one free credit report each year
from each of the major agencies.
√ Each month carefully
review your financial statements, bank statements and phone
bills for unauthorized use.
√ Keep a list of your credit
cards, bank accounts and investment accounts in a secure place.
Include account numbers and phone numbers for customer service
and fraud departments, so you can contact them quickly if cards
are stolen or accounts are being fraudulently used.
your Social Security Earnings Statement each year for signs of
fraud. You should receive it annually and it typically arrives
three months prior to your birthday.
Various frauds aimed at gathering personal identity and account
information are occurring on a regular basis. Several forms of
identity left include, but are not limited to: skimming machines
(copies the magnetic strip off the back of a card), credit card
(using someone else's credit card/number, social networks), or
dumpster diving (finding important documents in the trash).
Take the following steps if you're a victim of Identity Theft:
√ Keep detailed records of all correspondence.
√ Close all accounts that have been tampered with immediately.
√ If a social security number has been compromised, put a credit
hold on it to stop further misuse.
all important documents that have personal information, if they
are no longer needed.