CUSTOMER SECURITY

Lost or Stolen Rumson-Fair Haven Bank ATM or Debit Cards

Customers needing to report lost or stolen ATM or Debit Cards after banking hours, please call the Lost & Stolen Card Division at 1-877-849-5533, immediately.

Minimizing Your Risk of Identity Theft

While identity theft cannot be prevented entirely, you can minimize your risk. By managing your personal information wisely, cautiously, and with an awareness of the issue, you can help guard against identity theft. “Taking Charge: Fighting Back Against Identity Theft” is a publication from the Federal Trade Commission containing valuable information regarding ID Theft.

Identity theft, the fastest growing type of fraud, involves more than the misuse of a Social Security number; it also can include credit card and mail fraud. Fraudsters are continually developing innovative ways to steal consumer's personal information.

• Protect
   Protect your Social Security number. Don't carry your social security card with you or have your number printed on checks. Never give out your bank account or credit card number unless you initiated the contact. Use firewalls, anti-spyware and anti-virus software to protect your home computer. Secure mailboxes with locks and protect mail before and after it gets into your home. 
• Alert
  Be on alert for signs that your identity may be in jeopardy, including: bills that do not arrive when expected; unexpected credit cards or account statements; denials of credit for no apparent reason; calls or letters about purchases you did not make; or telemarketing scams that trick customers into revealing personal account information.
• Shred
  Shred or tear up statements and other personal information that link your name to account numbers or your Social Security number. Criminals may be able to get access to your accounts and personal information by "dumpster diving" (retrieving canceled checks, deposit receipts or bank statements from dumpsters or trash bins).
• Scan
  Scan your credit report and accounts regularly. For your credit report, check that everything is accurate, all accounts are yours and closed accounts are marked closed. Check your bank and credit card statements online for unauthorized charges. To access your free credit report from the Federal Trade Commission, visit www.annualcreditreport.com. 

ATM/Debit Card Safety

• Treat your card like cash. Keep it in a safe place.
• Do not share your personal identification number (PIN) with anyone. Your financial institution will never ask for your PIN.
• Do not disclose card information over the phone to anyone.
• Never allow a cashier or anyone else to enter your PIN for you, even if they are assisting you with the transaction.
• Block the view of others when using an ATM or POS terminal.
• Never write your PIN on your ATM or Debit card.
• Never disclose information about your card or PIN in response to an unsolicited e-mail or request. Your financial institution will never contact you for this information.
• Make certain your Internet shopping sites are secure.
• Report a lost or stolen card at once.
• Carefully review your account statements in a timely manner.

ATM Safety

• Observe the ATM surroundings before approaching a walk-up ATM. If anyone or anything appears to be suspicious, cancel your transaction and leave the area at once.
• When using an outdoor POS terminal such as at a gas station, observe your surroundings before making a transaction. If anything looks suspicious, leave the area at once.
• If an ATM is obstructed from view or poorly lit, go to another ATM. It is a good idea to take along a companion when using an ATM (especially at night) or an outdoor POS terminal at night.
• Minimize time spent at the ATM by having your card out and ready to use. Do not let anyone see how much money you withdrew, and never count your money at the ATM. Put cash away before leaving the terminal.
• Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble or if your card is stuck.
• Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.
• Look for possible fraudulent devices attached to the ATM. If the ATM looks different or appears to have any alterations or attachments to the card slot or PIN pad, do not use it.
• If anyone follows you after you have completed your transaction, go immediately to a crowded, well-lit area and call the police.

Drive-Up ATM Safety

• Keep the doors locked, windows up and engine running at all times when waiting in line.
• Leave enough room between cars to allow for a quick exit should it become necessary.
• Before lowering the window to use a drive-up ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, cancel your transaction and drive away at once.
• Minimize time spent at the ATM by having your card out and ready to use. Once your transaction is complete, take your money, card and receipt and immediately drive away from the terminal.
• If anyone follows you after you have completed your ATM transaction, go immediately to a crowded, well-lit area and call the police.

Passwords

• Select a "strong" password.
  • Do not use something that would be easy to decipher (i.e. telephone number, family member’s name or pet’s name).
  • Should be a combination of upper and lower case letters, numbers and/or symbols.

• NEVER give your password to ANYONE. Your financial institution will never ask for your password.