Identify Theft Prevention

Posted on Friday, November 4, 2016 in Security and Fraud Prevention

ID Theft Prevention and FAQs

Identity Theft is a serious crime. It occurs when someone takes your personal information without your knowledge and uses it to commit fraud or other crimes.

Click here to learn about our ID TheftSmart™ restoration and credit monitoring programs.

Q. How Do I Protect my Identity?

A: Follow these simple guidelines:

  • Shred any documents with sensitive information.
  • Don't carry your Social Security card with you, and don't give it out unless it is absolutely necessary.
  • Only give out personal information over the phone when you have initiated the call.
  • Keep your computer's security (firewalls, anti-spyware, and anti-virus software) up-to-date.
  • Choose passwords that are easy for you to remember, but hard for others to figure out.
  • Keep any sensitive information in your home in a secure place. (Safe or safe deposit box at the bank)
  • Check your credit report at least annually to make sure everything is correct. ( is the ONLY government-sanctioned website where you can check your report for free once a year.)
  • Register for Shazam Bolts.  Bolts is an app that provides you with an email notification each time your United Bank & Trust debit card is used, provided the transaction has met the criteria you established when registering your card.
Q. What is Debit Card Protection?

A: United Bank & Trust is dedicated to keeping your information secure. We participate in Shazam's Falcon Fraud Prevention program. The Falcon program monitors your regular spending habits and puts up a red flag anytime there is something out of the ordinary. This can mean that in some instances Shazam can know there is fraud before even you do and alert you to the situation. If this does happen, Shazam will contact you by phone to help you resolve the situation. It is important to keep your phone number up-to-date at the bank so that you can be contacted expediently.

Q. What is Enhanced Login Security?

A: In our quest to protect our customers, United Bank & Trust has extra security on our Online Banking at We have added levels of security above and beyond the firewalls, encryption, and password protection. With Enhanced Login Security, you set up security questions that only you know the answer to.  Any time someone tries to login to your Online Banking from an unknown device, you will be prompted to answer those questions. That means that not only is your information protected with a password, your computer is recognized as well.

Q. What if Identity Theft happens to me?

A: Unfortunately, identity theft can strike any of us at any time. If you have been a victim of identity theft, here are some steps you can take to minimize the impact:

Contact your financial institution(s) about the situation and close any accounts that have been affected or that have been opened fraudulently
Contact the three major credit bureaus, review reports for any other signs of identity theft and place a "Fraud Alert" on your credit reports

Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289

3.File a police report

4.Report the theft to the Federal Trade Commission

5.Document the entire process

Federal Trade Commission

Identity Theft Resource Center

ID TheftSmart Programs

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