Protecting Yourself

Identity theft is a serious and growing threat.  As online banking becomes more popular it becomes more important than ever to protect yourself and minimize your risk of being victimized.

While Capital Bank utilizes security and technological safeguards, you can help too. Here's how!

Keep your personal information safe.

An identity thief will pick through your garbage or recycling, so be sure to shred receipts, copies of credit applications, insurance forms, etc.

Keep personal information confidential.

Do not give out personal information on the phone, through email or the Internet unless you initiated the contact and know who you are dealing with.

Be aware of billing and statement cycles.

If your bills or statements do not arrive on time, follow up immediately to ensure they have not been fraudulently redirected. You should also request electronic statements.

Protect your mail.

Bring in your mail daily. Forward or re-route it if you move, change your mailing address or are away.

Protect your PIN and passwords.

Do not reveal your PIN or passwords to anyone, including employees of Capital Bank, family and friends. When conducting a transaction, keep your card within sight and shield the keypad when entering your PIN.

Limit your risk.

Sign all credit cards as soon as you receive them. If they are lost or stolen, report it immediately.

Transaction requests.

Beware of “too good to be true” or unexpected offers or requests such as, “You’ve inherited a large sum of money. To claim it, send us a deposit first.” Never agree to conduct financial transactions on behalf of strangers.

Review your statements.

Regularly review your financial statements to ensure all transactions are authorized, and report any missing or fraudulent ones. Review your credit bureau file annually.

Limit your exposure.

Only carry credit cards you use. Don’t carry your birth certificate and social security card when you don’t need them, instead keep them in a safe place.

Check your credit report.

You are entitled to one free credit report annually – take advantage of the free report to catch any errors.  If your information has been compromised setup fraud alerts and security freezes with the three major credit bureaus: Experian, Equifax, and TransUnion.

Contact the authorities.

If you suspect you are a victim of fraud or theft, contact the authorities immediately.