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Protect Yourself Against Phishing

Phishing usually comes in the form of fraudulent emails that appear to come from legitimate sources. These ask customers to verify personal information or link to counterfeit websites that appear real.

Watch for emails that:

  • Urge you to act quickly because your account may be suspended or closed, or to update your personal information.
  • Don’t address you by name, but use a more generic one like “Dear valued customer.”
  • Ask for account numbers, passwords, Access IDs, or other personal information.
  • The bank will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via email.

Tips from the American Bankers Association for safeguarding your information:

  • Do not give your Social Security number or other personal credit information about yourself to anyone who calls you.
  • Tear up receipts, bank statements and unused credit card offers before throwing them away.
  • Keep an eye out for any missing mail.
  • Do not mail bills from your own mailbox with the flag up.
  • Review your monthly accounts regularly for any unauthorized charges.
  • Order copies of your credit report once a year to ensure accuracy. You may call 1 (877) 322-8228 for a free credit report from any or all three credit reporting agencies.
  • Do business with companies you know are reputable, particularly online.
  • Do not open email from unknown sources and use virus detection software.
  • Protect your PINs (don’t carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically.
  • Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately.
  • TransUnion: (800) 680-7289
  • Experian: (888) 397-3742
  • Equifax: (800) 525-6285

If you become a victim, contact:

  • The fraud departments of the three major credit reporting agencies
  • The creditors of any accounts that have been misused
  • The local police to file a report
  • The bank to cancel existing accounts held in your name and re-open new accounts with new passwords
  • The bank is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, you may view our privacy policy by clicking below.

What is Identity Theft?

Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring, but there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips

  • Don’t give out personal information on the phone, through the mail or over the Internet unless you’ve initiated the contact or are sure you know with whom you’re dealing.
  • Don’t carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.
  • Don’t put your address, phone number, or drivers license number on credit card sales receipts.
  • Social Security numbers or phone numbers should not be put on your checks.
  • Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you’re discarding, and credit offers you get in the mail.
  • Secure your credit card, bank account, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother’s maiden name. Use a password instead.
  • Secure personal information in your home, particularly if you have roommates or hire outside help.
  • Promptly remove mail from your mailbox. If you’re planning to be away from home and can’t pick up your mail, call the U.S. Postal Service at 1 (800) 275-8777 to request a vacation hold.
  • Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
  • Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?

Check your Credit Report

Order copies of your credit report once a year to ensure accuracy. You may call 1 (877) 322-8228 for a FREE credit report from any or all three credit reporting agencies. (The law allows credit bureaus to charge you up to $9.00 for an additional copy of your credit report.)

Make sure it is accurate and includes only those activities you have authorized.

By checking your report on a regular basis, you can catch mistakes and fraud before they wreak havoc on your personal finances. Don’t underestimate the importance of this step.

Credit Bureaus

Equifax — www.equifax.com

  • To order your report, call: 1 (800) 685-1111
  • To report fraud, call: 1 (800) 525-6285

Experian — www.experian.com

  • To order your credit report or report fraud, call: 1 (888) EXPERIAN (397-3742)

TransUnion — www.transunion.com

  • To order your report, call: (800) 916-8800
  • To report fraud, call: 1 (800) 680-7289

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

 

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

 

Upon enrollment of Internet Banking you will have a password and a set of security questions used during the login process. For security purposes, it is recommended that you memorize your password and do not write it down. We also recommend that you change your password regularly to try and avoid misappropriation by a third party. Your password can be changed at our Online Banking site or by calling our Internet Banking department. You are responsible for keeping your password and account data confidential. When you give someone your password, you are authorizing that person to use Online Banking and the Online Financial Services. You are responsible for all transactions performed using your password, even if you did not intend or authorize them. In addition, fraudulent transactions initiated using your password will be charged against your account(s).

 

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

 

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

 

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Kentucky.