General Fraud Protection
When providing personal information, it's important to take steps to maximize your safety in today's society.
Take these steps to protect your information
Manage your mailbox
- Watch for missing mail and bills that don't arrive on time. Consider using bill pay through INTRUST online and mobile banking, which can help you keep track of the bills you’ve paid.
- Eliminate the worry of lost or stolen checks by using direct deposit, which automatically deposits paychecks into your INTRUST account.
- Set up transfers from your INTRUST checking account to your INTRUST loan or line of credit accounts to have recurring payments automatically deducted.
- Be suspicious of receiving a cashier's check, money order, or any other form of payment that you weren't expecting or didn't ask to receive. Keep in mind that you are responsible for the items you deposit. This means that if a check or other item isn’t valid, you may owe the bank the full amount deposited.
Trash with care
- Thoroughly shred anything with an account number on it, including credit offers you get in the mail. INTRUST banking centers periodically offer free shred events, offering you a safe and easy way to dispose of documents that may contain sensitive information. Ask your nearest banking center for more information.
- Delete all personal information before you get rid of a computer.
Monitor your accounts
- Enroll in online and mobile banking to connect to your account anytime, anywhere.
- Carefully review your monthly statements for unauthorized charges. Consider enrolling in eStatements, which are digital statements that you can access through online and mobile banking. You can enroll in eStatements through online and mobile banking.
- Take extra caution after vacation or trips to ensure that no one gained unauthorized access to your card information during a transaction you made.
Review your credit report regularly
Access a copy of your credit report at least once a year to check for accounts that may have been opened without your knowledge and unauthorized changes to your existing accounts. Under the Fair and Accurate Credit Transactions Act (FACT Act), you are entitled to request and obtain a free credit report once a year. AnnualCreditReport.com provides you with a secure way to do so, and each of the four major credit bureaus also offers ongoing monitoring programs.
- TransUnion: 833-806-1627
- Experian: 866-617-1894
- Equifax: 888-378-4329
- Innovis: 800-540-2505
Protect your Social Security number (SSN)
- Avoid printing your SSN on your checks.
- Do not carry your SSN with you.
- If your driver’s license uses your SSN as the license number, take extra precaution to keep your license safe.
- Secure or shred documents listing your full or partial SSN.
Organize your credit and debit cards
- Cancel unused credit cards.
- Know your credit card expiration dates. If you do not receive a reissued card before the expiration date, notify the card issuer.
- Use tap to pay if your credit or debit card features the Contactless Symbol, or add your card to the mobile wallet on your smartphone or smartwatch.
Keep your personal numbers secure
- Gather your credit card and bank account numbers, expiration dates, and telephone numbers of the customer service and fraud departments. Plan to keep these in a safe location for when you need to verify information or make sure you’re calling a legitimate phone number to confirm whether a request is real or a scam.
- Do not write your personal identification number (PIN) on your credit or debit cards and do not keep the PIN in your purse or wallet.
- Do not carry your passwords with you.
- Shield the keypad when using ATMs.
- Use lengthy passwords on your credit card and bank accounts. Avoid using passwords that are easily guessable. A password manager can help.
- Do not provide account numbers or other identifying information over the phone to anyone who calls you or wants to pay you by wiring funds directly into your account.