KeySource Commercial Bank is concerned about your privacy and identity protection. We make every effort to ensure that your personal information is kept safe and secure. Additionally we maintain procedures that make sure that only you and your authorized designees have access to your account information.
As a reminder, KeySource Commercial Bank will never solicit your PIN number or password. If you receive an email soliciting this information please disregard it and forward it to info@keysourcebank.com and our security team will look into immediately. If you have responded to such a request via email, please call our Security Officer, Molly Harp, at (919)383-4200 promptly.
There are also things you can do to both prevent identity theft and to identify attempts to compromise your identity and privacy. Read the following for tips and information on the subject. As always, please feel free to contact us at any time and we'll be pleased to address your specific questions and concerns.
Identity Theft can occur both physically and electronically. It is important to recognize both so you can take steps to minimize opportunities for others to steal your personal information.
Phishing. These are emails that solicit your personal information. These emails may appear to be legitimate but are actually attempts to steal your identity. Remember, KeySource will never request your PIN number, password, or credit card number via email. Additionally you can install software that will help you identify these emails.
Spoofing. These are websites that are designed to look like a company's website but are actually attempts to steal your personal information. They are often arrived at by clicking on a phishing email or by typos in entering a website manually. For example, entering "www.keysourceban.com" leaving off the "k".
Trash Rummaging. Thieves can often find personal information in your trash from bank statements, credit card offers, or other sensitive correspondence that you may throw away.
Pretext Calls. Someone may call pretending to be a representative of a bank, another financial institution, government agency, or other official. Under false pretenses, they may ask you a series of questions, including seemlessly harmless questions, that get you to divulge certain sensitive, personal information.
Skimming. Sophisticated thieves can place equipment on credit card readers at places such as the gas pump. These devices are capable of scanning and retrieving your account numbers or PIN numbers directly from your card. They are difficult to spot, but they can be seen if attention is paid to the slot where your debit or credit card is inserted.
There are simple, everyday steps you can take to minimize your risk of identity theft. When followed, these tips also help you identify early on if you are a victim of identity theft. Early discovery will help resolve the issue far more quickly.
Never respond to an unsolicited or automated email asking for personal information. When in doubt, call a known phone number for your customer service representative to confirm that the information was actually and legitimately requested.
If someone calls you requesting personal information for any reason and you don't recognize that person, request that the person give you a number where you can call back or call back a trusted phone number that you have previously used.
Consistently review your bank and credit card statements. Report any discrepancies immediately.
Know your billing cycle. If any bills do not arrive close to the expected date, contact the vendor.
Do not write down or keep with you passwords or PIN numbers in unsecure places. Do not carry your PIN number in your wallet or purse.
Make use of online BillPay.
Bookmark the official KeySource Commercial Bank website to prevent any typos.
Do not throw away documents with sensitive or personal information. Shred these documents.
Always destroy or shred any expired or unwanted credit or debit cards.
Review your credit report periodically. You are entitled to a free credit report from each of the three major institutions each year. You can order this report through AnnualCreditReport.com.
KeySource Commercial Bank is committed to protecting your identity. We follow a number of guidelines and protocol that ensures your information is maintained secure. Some of the measures we have include:
Online BillPay. Online BillPay is a fast and secure way to pay your bills instead of placing your own personal checks in the mail.
Verification of Changes. Before any changes are made to your account, such as address change or addition of authorized users, we confirm your identity with the information we gather when you open a deposit or loan account.
Continuous Account Monitoring. Accounts are monitored for unusual changes in activity, irregular debit card transactions, address changes, or large withdrawals. In the event that suspected malicious activity is found, a Customer Service Representative will call you.
Fraud Detection. We use various tools that help to recognize cases of Identity Theft. Anything flagged by any of our tools is compared to the information we receive at the time of an account opening.
What To Do If You Become a Victim of Identity Theft
If you do become a victim of identity theft, it's important that you advise the proper organizations promptly which include the following:
Contact the Federal Trade Commission's Identity Theft Hotline: (877)ID-THEFT or (877)438-4338.
Report the incident to your local law enforcement agency.
Contact each of the three main credit bureaus and ask for fraud flags and statements to be put in place. Contact information for the credit bureaus is located below.
Contact any creditors, financial institutions, utilities, or telephone services that are affected. This includes KeySource Commercial Bank. Call our security officer at (919)383-4200 x108.
Credit Bureau Contact Information
Equifax PO Box 740241 Atlanta, GA 30374-0241 Request Credit Report: (800)685-1111; Option 4 Report Fraud: (800)525-6285
Experian PO Box 2104 Allen, TX 75013 Request Credit Report or Report Fraud: (888)397-3742
TransUnion Corporation PO Box 1000 Chester, PA 19022 Request Credit Report: (800)916-8800 Report Fraud: (800)680-7289
The government and other agencies provides more tips and information on this subject. Please visit the FTC website listed below. Additionally, if you would like more information please call or visit us. We can provide you with pamphlets and guides that will explain key points and provide additional insight.
