Fraud occurs when criminals obtain your personal information to access bank accounts, make purchases or use your identity for their own purposes.
We keep your money and personal information safe.
We protect you by:
- Using secure communications. Our systems use the strongest encryption available.
- Operating in a secure environment. Our firewall protects your personal information from unauthorized access.
- Isolating you user ID’s and passwords. They can never be accessed or downloaded by anyone on the internet.
- Securing your password. You are the only one who knows your password. Not even bank employees have access to your password.
Protecting yourself from fraud is important. Read on to learn more.
- If the card reader jiggles – move to a different ATM/location
- Cover your hand when entering your 4-digit PIN
- Be suspicious of odd looking equipment on or near an ATM
- Do not write your PIN on the card
- Do not keep your PIN in your wallet
- Never let someone else use your login, password, or PIN
- Sign up for CardValet – Our secure method of tracking your debit card activity
- Draw a line through blank spaces on a sales receipt so the total cannot be changed
- Do not sign blank sales receipts
- Utilize Verified by Visa
- Do not carry cards that you do not use
- Sign your card
- Print “Ask for Photo ID” by your signature
- Research who you are dealing with – Google the company
- Be cautious of checks that are more than the purchase price
- Be careful about receiving a letter that states you won a foreign lottery – it’s probably fraud
- Be leery if there is a request to send funds quickly
- Do not give out any personal information
- Be aware of callers who ask for money first
- Be cautious of phone calls that want you to enter your account information to keep your account open
- Be careful of callers that state they are a relative and they need money because they are in trouble
- If something sounds too good to be true, it most likely is
- Do not fall victim to “free money” or “gift cards”
- Beware of ads that state you will receive large sums of money for minimal work
- Monitor your monthly bank/credit card statements for suspicious activity
- Notify the Bank of any changes to mailing/physical address, phone numbers, email etc.
- Notify the Bank regarding any major life changes so we can update your accounts and personal information
- If you suspect fraud, close the existing account, debit card or credit card and re-open
Save a tree!
Switch from paper statements to E-Statements. Having less paper with personal information sitting around reduces your risk of falling victim to fraud. Our free E-Statements will:
Eliminate your risk of fraud from stolen mail
Provide the same information as paper statements
Plus, you save a tree (or two!)
Keep your computer safe!
- Make sure you install anti-virus, anti-malware and anti-spam software
- Install a firewall and make sure it’s kept on
- Use a strong password and change it often
- Getting a new computer? Destroy your old computer’s hard drive before getting rid of it
- Keep your system up to date
- Always change default passwords and network names
To report fraud, please do the following:
- Contact us immediately at CustomerService@sancapbank.com or call us at 239-472-6100
- You may also need to file a report with the local police
- Contact the major credit bureaus and ask that a fraud alert be placed on your account. They are required to provide victims of identity theft with a free copy of your credit report.
- Equifax – 1-800-525-6285 at equifax.com
- Experian – 1-888-397-3742 at www.experian.com
- TransUnion – 1-800-680-7289 at www.transunion.com
The FDIC has published resources to help avoid fraud and protect against cyber threats when banking online or on a mobile device.