Welcome to FNBSC’s Customer Education Center.
With banking transactions occurring more and more online, First National Bank of Southern California is dedicated to finding more creative ways to stay connected and provide additional value to our customers. We know that educated customers are more loyal customers. With our new Customer Education Center, we want you to know that your financial well-being is our priority and with access to topics such as enhancing customer awareness of identity theft prevention and relaying the importance of maintaining up-to-date internet security software, both personal and financial information is at your fingertips.
NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS
By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (inluding and Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership catagory.
For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit http://www.fdic.gov/deposit/deposits/unlimited/expiration.html
Tools to prevent Identity Theft
- Do not give out financial information like checking and credit card numbers;
- Report lost or stolen checks immediately, we can block payment on them;
- Notify your banker of suspicious phone inquiries such as individuals asking for account information to verify a statement;
- Closely guard your ATM Card and Receipts
- Shred any financial information and bank statements before disposing of them.
The bottom line: If you have questions or concerns about protecting your financial identity, come in and visit your local banker.
There are many individuals and companies out there ready to prey on your financial duress and fear of losing your home. Don't pay large upfront fees for counseling or modification assistance. Know what you are signing. Don't be pressured into signing anything that you have not completely read or understand. Get more than one opinion. If it sounds too good to be true, then it probably is.
Avoid any business or individuals that:
- Instruct you to NOT contact your lender, lawyer, and credit or housing counselor
- Accept payment to help you only by cash, cashier's check or wire transfer
- Collects a fee before even providing you with any service
- No matter what your circumstances they guarantee to solve your problems and stop the foreclosure
- Tells you to make your mortgage payments to them instead of directly to the lender
- Tells you in order to help you, you must sign a grant deed transferring title or your property to them
- Offers to fill out all of the paperwork for you
Education is the first line of defense against fraud and deception; it can help you make well-informed decisions before you spend your money.
If you suspect misuse of your personal information to commit fraud, take action immediately. Keep a record of all conversations and correspondence when you take the following suggested steps:
Contact your bank(s) & credit card issuers
Contact your bank(s) & credit card issuers immediately so that the following can be done: Access to your accounts can be protected; stop payments on missing checks; personal identification numbers (PINs) and online banking passwords changed; and a new account opened, if appropriate. Be sure to indicate to the bank or card issuer all of the accounts and/or cards potentially impacted including ATM cards, check (debit) cards and credit cards. Customer service or fraud prevention telephone numbers can generally be found on your monthly statements. Contact the major check verification companies to request they notify retailers using their databases not to accept these stolen checks, or ask your bank to notify the check verification service with which it does business.
Four of the check verification companies that accept reports of check fraud directly from consumers are:
- Telecheck (800) 710-9898
- International Check Services
- ChexSystems (888) 478-6536
- Equifax (800) 437-5120
File a police report with your local police department.
Obtain a police report number with the date, time, police department, location and police officer taking the report. The police report may initiate an investigation into the loss with the goal of identifying, arresting and prosecuting the offender and possibly recovering your lost items. The police report will be helpful when clarifying to creditors that you are a victim of identity theft.
Contact the three major credit bureaus.
Contact the three major credit bureaus & request a copy of your credit report. Review your reports to make sure additional fraudulent accounts have not been opened in your name or unauthorized changes made to your existing accounts. Check the section of your report that lists "inquiries." Request the "inquiries" be removed from your report from the companies that opened the fraudulent accounts. In a few months, order new copies of your reports to verify your corrections and changes to make sure no new fraudulent activity has occurred. Request a "fraud alert" for your file and a victim's statement asking creditors to call you before opening new accounts or changing your existing ones. This can help prevent an identity thief from opening additional accounts in your name.
The major credit bureaus and their phone numbers are:
▪ Equifax www.equifax.com (800)685-1111
▪ Experian www.experian.com (888)397-3742
▪ TransUnion www.transunion.com (800)916-8800
Check your mailbox for stolen mail.
Make sure no one has requested an unauthorized address change, title change, PIN change or ordered new cards or checks to be sent to another address. If a thief has stolen your mail to get credit cards, bank and credit card statements, pre-screened credit offers or tax information, or if an identity thief has falsified change-of-address forms, that's a crime. Contact your local post office and police.
Maintain a written chronology of what happened.
What was lost and the steps you took to report the incident to the various agencies, banks and firms impacted. Be sure to record the date, time, contact telephone numbers, person you talked to and any relevant report or reference number and instructions.