Prevent Identity Theft and Fraud
- Reduce or eliminate the paper bills you receive by signing up for eBills. With eBills, available through Burke & Herbert Bank Online Banking, you receive and pay your bills online and avoid the risk of having paper billing statements get into the wrong hands.
- Know your billing cycles, and watch for any missing mail. Follow up with creditors if bills or new cards do not arrive on time. An identity thief may have filed a change of address request in your name with the creditor or the post office.
- Carefully review your monthly bank account statements, credit card statements and utility bills (including cellular telephone bills) for unauthorized charges as soon as you receive them. If you suspect unauthorized use, contact the provider's customer service and fraud departments immediately.
- Avoid having sensitive financial information in your mailbox by enrolling your Burke & Herbert Bank accounts in eStatements. These electronic versions of your monthly statements are delivered safely and securely through your Online Banking account, and you receive an email notice when your eStatements are ready to be viewed.
- When you order new checks, ask when you can expect delivery and follow up with the check provider if you do not receive them at the expected time. Take advantage of secure check delivery methods, when available.
Check Your Purse or Wallet
- Never leave your purse or wallet unattended - even for a minute.
- Protect your Personal Identification Numbers (PINs); do not keep them in your purse or wallet.
- Carry only personal identification and credit or debit cards you actually need in your purse or wallet. If your ID, debit card, or credit cards are lost or stolen, notify the Bank, card companies or other providers immediately, and ask the credit bureaus to place a "fraud alert" in your file.
Keep Your Personal Numbers Safe and Secure
- When creating passwords and PINs (personal identification numbers) do not use any part of your Social Security number, birth date, middle name, spouse’s name, child's name, pet's name, mother's maiden name, address, consecutive numbers, or anything that a thief could easily deduce or discover.
- Shield the keypad when using ATMs to prevent others from seeing you enter your PIN. Memorize your passwords and PINs and never keep them in your wallet or purse. Get your Social Security number out of circulation and release it only when necessary — for example, on tax forms and employment records, or for banking, stock and property transactions.
- Do not have your Social Security number printed on your checks, and do not allow merchants to write your Social Security number on your checks. If a business requests your Social Security number, ask to use an alternate number. Never give your Social Security number, account numbers or personal credit information to anyone who calls you.
- Store personal information in a safe place and shred or tear up documents you don't need.
- Tear up or shred credit card, debit card, and ATM receipts, bank statements and unused pre-approved credit card offers and convenience checks.
- Replace paper versions of bills and statements with electronic ones whenever possible. Sign up for online delivery of bills (eBills through Online Banking) and online delivery of statements (eStatements).
- Cancel your unused credit cards so that their account numbers will not appear on your credit report.
- Keep a list of all your credit cards and bank accounts along with their account numbers, expiration dates and credit limits, as well as the telephone numbers of customer service and fraud departments. Store this list in a safe place.
Know Who You Are Dealing With
- Choose to do business with companies you know are reputable, particularly online.
- When conducting business online, use a secure browser that encrypts or scrambles purchase information and make sure your browser's padlock or key icon is active.
- Look for site addresses that begin with https before proceeding with an online purchase.
- Don't open e-mail from unknown sources.
- Never provide personal or account specific information in response to an email from an unknown source.
- Do not open or click on any links in emails you may receive that look suspicious.
Review Your Information
- Order a copy of your credit report every year. You may receive a free credit report at www.annualcreditreport.com or you may contact the three credit reporting agencies directly.
Equifax: 1-800-685-1111 or www.equifax.com
Experian: 1-888-397-3742 or www.experian.com
TransUnion: 1-800-916-8800 or www.transunion.com
Review your credit report thoroughly and make sure all the information is correct especially your name, address, and Social Security number. Look for indications of fraud, such as unauthorized applications, unfamiliar credit accounts, credit inquiries and defaults and delinquencies that you did not cause.
- Check your Social Security Earnings and Benefits statement once each year to make sure that no one else is using your Social Security number for employment.
- Monitor your accounts so you can identify any suspicious activity quickly. Use Burke & Herbert Bank Online Banking to review account balances and transaction activity from anywhere you have Internet access. Use Mobile Banking to check on your accounts quickly and easily using your phone.
- Use the eNotifications feature of Burke & Herbert Bank Online Banking to receive alerts about transactions and balances in your accounts.