Select Bank & Trust - Security Focus

At Select Bank & Trust, we value our customer's financial and personal security. We have compiled the information below to aid you in protecting yourself against the growing concern of identity theft. We feel that this is only one of the many ways that we provide our customers with "A Common Sense Approach to Banking", and we hope you agree.

Together, we can head off identity theft and account fraud before they ever happen. If you have any questions or concerns about protecting your financial identity please do not hesitate to contact us. To report any suspected online fraud, suspicious activity, or identity theft during non-business hours, please email us at onlinesecurity@selectbankandtrust.com. For your protection, please do not include any confidential information when sending an email. Select Bank & Trust will never ask you to disclose any confidential or personal financial information via email.

Enhanced Login Security
This superior security technology protects your accounts from unauthorized access. It identifies you as the true "owner" of your accounts by recognizing not only your password but your computer as well. If we don't recognize your computer - you've logged in from a public computer or one you haven't used before- we'll ask you for information that only you will know as an additional line of defense to prevent unauthorized access. With Enhanced Login Security, you'll be protected from whatever computer you're using, whether you're at home or on the go.

Enhanced Login Security will:

Defend against identity theft and fraud.
Provide security from any computer, wherever you are.
Make it easy for you to bank online anytime, anywhere.

Just one more way we work to ensure online fraud prevention, everyday and everywhere!

Click Here for a demo of how Enhanced Login Security Protects You!

What is Identity Theft?
Identity Theft involves criminals obtaining your personal information such as social security numbers, credit card or account numbers, even birth certificates and passports for their own use. Accounts are opened in your name for credit cards and loans and the bills are not paid. The delinquent account is reported on your credit report. Because the bills are being sent to another address, it could take months to learn you are a victim of identity theft.

At Select Bank & Trust, we have the highest standard when it comes to protecting our customer’s financial privacy and will work with you to help prevent and detect Identity Theft. Our goal here at Select Bank & Trust is to provide the best customer service possible, including keeping our customers apprised of possible threats to your privacy.

ID Theft Actions
The Federal Trade Commission has introduced an education program—called AvoID Theft: Deter, Detect, Defend—to help consumers avoid becoming victims of identity theft. The program's materials include a victim recovery guide, a training booklet and a 10-minute video.

What to do if you're a victim of ID Theft
If you suspect your identity may be compromised or you are a victim of ID Theft, the following websites will provide you with additional information and a recommended course of action: ID Theft Center or Digital Insight Identity Theft Info

What is Phishing, Pharming, and Spoofing?
Phishing (FISH.ing): Phishing is e-mail fraud where the perpetrator sends out legitimate-looking e-mails that appear to come from well known and trustworthy Web sites in an attempt to gather personal and financial information from the recipient. A phishing expedition, like the fishing expedition it's named for, is a speculative venture: the phisher puts the lure hoping to fool at least a few of the prey that encounter the bait.

Vishing: a variation of phishing where identity thieves include a phone number, usually an inexpensive VoIP (Voice over internet protocol) number that is easy to obtain anonymously, to trick victims into calling and sharing their credit card account information.

Pharming (FARM.ing): Pharming is a scamming practice in which malicious code is installed on a personal computer or server, misdirecting users to fraudulent Web sites without their knowledge or consent. Pharming has been called "phishing without a lure."

Spoofing: E-mail spoofing is the forgery of an e-mail header so that the message appears to have originated from someone or somewhere other than the actual source. Distributors of spam often use spoofing in an attempt to get recipients to open, and possibly even respond to, their solicitations.

** Remember, Select Bank & Trust Company will NEVER send you an email asking for confidential information. If you receive an email asking for confidential information, DO NOT RESPOND.

Free Credit Reports Now Available Nationwide
Starting September 1, 2005, consumers in Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, West Virginia, the District of Columbia, Puerto Rico and all U.S. territories will have access to one free annual credit report from each of the major credit reporting companies — Equifax, Experian and TransUnion. This completes the phased-in regional implementation — mandated by the 2003 Fair and Accurate Credit Transactions Act — that allows every consumer access to one free credit report each year. Read more. Request a free credit report online.

If you would like some guidance regarding steps you as a consumer can take to protect against identity theft, please access the FTC’s online website at www.consumer.gov/idtheft for a comprehensive ID theft guide or call 1-877-FTC-HELP (382-4357) for more assistance. Also, if you would like to contact any of the three major credit bureaus regarding your credit history their contact information is listed below:

Equifax: 1-800-525-6285; www.equifax.com ; P.O. Box 740241, Atlanta, GA 30374-0241

Experian: 1-888-EXPERIAN (397-3742); www.experian.com ; P.O. Box 9532, Allen, TX 75013

TransUnion: 1-800-680-7289; www.transunion.com ; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

Credit Bureaus opt-out program
The credit bureaus offer a toll-free number to call to “opt-out” of having pre-approved credit offers sent to you for two years. Call 1-888-5-OPTOUT (567-8688) for more information. When you call, you’ll be asked for personal information, including your home telephone number, your name and your Social Security number. The information you provide is confidential and will be used only to process your request to opt out of receiving pre-screened offers of credit.

Related Links

Identity Theft & Fraud: Tips to Protect Yourself

ATM and Debit Card Safety