Preventing credit card fraud

Fraud Prevention

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With the prevalence of identity theft and fraud, protecting your financial information is crucial.  Criminals constantly are finding new ways to obtain your confidential information, using scams and social engineering tactics.  Thankfully, United Bank & Trust offers several options to help protect you from fraud and identity theft on your account. Stop into one of our locations to meet with a Personal Banker, or call us today! 

Text Fraud Alerts

Keeping your account information safe and secure is our highest priority.  Our enhanced debit card program sends you text fraud alerts when a suspicious transaction occurs. No need to register for text alerts. Simply ensure we have your current cell phone number on file, and when a suspicious transaction is identified, you’ll receive a text message asking you to verify if it is a legitimate or fraudulent charge. This helps put a stop to fraud immediately, keeping your money and your account secure.

  • No registration required
  • Confirm or deny transactions in real time
  • Minimize and identify fraud faster

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ID TheftSmart™ 

If you are ever a victim of identity theft, it can be a very time consuming and overwhelming process to repair the damage done. As a victim, you expect real solutions to help you restore confidence and your reputation. Through our partnership with Kroll Fraud Solutions, we offer two services that give you peace of mind that you are protected:

  • Restoration -  In the event your identity is compromised, you'll need some help. Investigators will work on your behalf to restore and preserve your identity. Not only will you receive full service identity restoration from a licensed experienced investigator should you become a victim, but you will also have a resource to help answer questions or provide guidance on security and fraud related concerns, in order to head off possible issues before they materialize. 
  • Credit Monitoring (includes Restoration) - This service is designed to provide alerts when unusual activity is detected on your credit report, allowing you to spot potential fraud or identity theft immediately to prevent further fraud.

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Current Scams

Criminals are creative and brilliant.  They are always trying to keep two steps in front of everyone by crafting new scams to trick unsuspecting victims into providing information to them for their financial gain.  Staying alert and being skeptical and cautious is your best defense. Never provide any confidential information to someone you don't know.  Scammers will attempt to gain your financial information through emails and phone calls.  They may also trick you into sending them money from your account.  To read about current scams, visit our Information Center's Security and Fraud Prevention section.

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Fraud Prevention Tips

Taking extra steps can help prevent you from becoming a victim to identity theft, scams or fraud.  United Bank & Trust provides tips on simple steps you can take to keep you account information safe.

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Additional Resources:

Federal Trade Commission
Identity Theft Resource Center
Free Annual Credit Report

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