Security Tips for Our Customers

• Avoid giving account information to anyone over the telephone unless the person can provide adequate identification.
• Be cautious of any "get rich" schemes or prizes that require charges or delivery fees.
• Never keep a PIN number with an ATM card.
• Store checks in a safe and secure place.
• Store bank statements away from prying eyes.

ATM Safety

• Choose a well lighted ATM and park close. Have someone come with you when using a machine at night.
• Fill out all forms beforehand and have your card ready when you approach the ATM. If someone is using the machine, stand back to allow privacy.
• Stand directly in front of the ATM so no one sees you enter your PIN.
• Pocket your cash immediately and count it later. If followed after leaving an ATM, go to a public area near people.

7 Ways to Reduce ATM Fraud

1. Memorize your Personal Identification Number (PIN). Never write it on your ATM card or card envelope.
2. Don't discuss your account or account balance with anyone. Never give information on your account or PIN over the phone.
3. Never allow anyone to use your card or PIN.
4. Don't withdraw money for an "official" person. No bank representative, auditor, or law enforcement person will ever ask you to withdraw money from an ATM for any reason.
5. Keep your receipts and verify each transaction on your statement. If you have an unexplained transaction, contact you financial institution immediately.
6. Report a lost or stolen card to your financial institution immediately.
7. Carefully read the Electronic Funds Transfer agreement and disclosure sent by the financial institution issuing your card. Know your liability for failing to notify your financial institution in a timely manner of a lost or stolen card.