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Identity theft is on the rise. This year alone 500,000 people are expected to become victims. This unfortunate trend is due, in part, to the internet and new technologies that have made more information readily available.

The most common form of identity theft are:
  • Credit Card fraud. In this case a new credit card account is opened or an existing credit card account is taken over by a criminal who assumes the identity of an unsuspecting victim.
  • Communications services fraud. Here the services stolen include telephone, cellular or other utility services.
  • Bank fraud. Criminals open an account, and write fraudulent checks using the name and Social Security number of the victim.
  • Fraudulent loans. The thief borrows money in the innocent consumer's name.
We know that consumers are concerned about this issue. They worry about their personal information falling into the hands of criminals.

At First National Bank, we share your concern. We invite you to read the following information and take the "Simple Steps to Safeguard Your Identity."


Simple Steps to Safeguard Your Identity

Up to 500,000 individuals annually are victims of identity theft, a fast-growing form of fraud. "Identity theft" or "account takeover fraud" involves criminals stealing a person's personal information. The crooks assume a person's identity, apply for credit in his or her name, run up huge bills, stiff creditors and generally destroy the victim's credit record.

At First National Bank we put a combination of safeguards in place to protect customers, including employee training, rigorous security standards, data encryption and fraud detection.

Here are a few simple stope you can take to help ensure you stay out of these statistics.
  1. Don't give your Social Security number or account numbers to anyone over the phone unless you placed the phone call.
  2. Tear up receipts, old bank statements and unused credit card offers before throwing them away. Crooks could steal information from your trash and use it to get credit in your name.
  3. Review your bank and credit card statements as soon as you receive them to check for unauthorized transactions.
  4. Protect your PINs and computer passwords. Be sure to use a combination of letters and numbers and change them often. Never carry this information with you!
  5. Order copies of your credit report once a year to ensure accuracy. Call any of the three national credit reporting agencies: Trans Union (800-888-4213), Equifax (800-685-1111) and Experian (888-397-3742).
  6. Report any suspected fraud to your bank and credit issuers immediately so they can start to close accounts and clear your name right away.
By law you are only liable for the first $50 of unauthorized charges against a credit card account. Still, restoring your identity can be a tremendous inconvenience. It's worth your while to exercise a little preventive medicine. Protect yourself against this crime.

At First National Bank, we're working to make sure Identity Theft never happens to one of our customers. Please join us in this effort.

To learn more about Identity Theft, visit the FTC (Federal Trade Commission) ID Theft website, www.ftc.gov/idtheft or call the FTC hotline (1-877-ID-THEFT).

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First National Bank of Sullivan - firstsullivan.com
1 South Main Street, Sullivan, IL 61951
(217) 728-4302
503 South Hamilton, Sullivan, IL 61951
(217) 728-4303
Equal Housing Lender / Member FDIC
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