Equifax Data Breach - Frequently Asked Questions
I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Was my information stolen?
If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: https://www.equifaxsecurity2017.com/. Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.
How can I protect myself?
• Enroll in Equifax’s services.
Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com/.
• Monitor your credit reports.
In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at annualcreditreport.com. You are entitled to one free report from each of the credit bureaus once per year.
• Monitor your bank accounts.
We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.
• Watch out for scams related to the breach.
Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.
Should I place a credit freeze on my files?
Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.
How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit its website.
Experian: Call 888-397-3742 or visit its website.
TransUnion: Call 888-909-8872 or visit its website.
Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.
**FRAUD ALERT **
Fraud is on the uprise. The news is full of data breaches at department stores, restaurants, bars, insurers and many others. There are even more events that are never broadcast!
We make every effort to protect your confidential information, your identity, and to secure your funds.
Several department stores have been used by fraudsters recently to facilitate the theft of bank customer funds. In our efforts to reverse this trend, we need to block the means fraudsters are using to steal your money.
Therefore, if you experience a problem using your debit card at a department store when signing for a transaction, please ask the department store to use a Debit transaction where you can enter your PIN instead.
We apologize for this minor inconvenience. You identity and money are important to us!
Any attempt to request personal/financial information from you by telephone, text message, email, or websites should be considered fraudulent unless initiated by you. The Citizens Savings Bank and its divisions never solicit account or debit card information. We already have this information!
Scams can occur at any time and without warning. It is important that customers remain diligent and educate themselves on the scams that may affect them. If you have questions, call 888.275.5566.
Below are a few articles that our customers can view to learn more about some of the most popular scams that they could be affected by: Learn more about Phishing!Learn more about Vishing! Protect Your Identity!
Click the link below for more information about our Online Security Center Citizens Bank Online Security CenterCommunity Bank Online Security Center
Be informed and in control of your account.
Account Alerts can be a very useful tool helping to manage and organize your finances.
Alerts can tell us when an account balance reaches a certain level or goes below a certain amount. Transaction Alerts tell us when a specific transaction occurs. Or, setup a reminder with Scheduled Alerts. Alerts are simple, easy to setup and are fully customizable to suit each individual's needs.
CUSTOMERS SHOULD REVIEW ACCOUNT HISTORY FREQUENTLY TO ENSURE TRANSACTIONS ARE AUTHORIZED!
Balance Alerts is one of the options for our Online Banking Customers to keep an eye on their balance. This is a very helpful tool when monitoring financial balances from multiple accounts, especially when bill pay and direct deposit are commonly used.
“I use Balance Alerts to inform me when my balance is low so I’ll know when money is tight.”
“We use Balance Alerts to let us know when it is safe to make a purchase.”
Transaction Exceeds Amount Alerts
Transaction Alerts enable our Online Banking Customers to watch for large, small or specific transactions. Monitoring account activity is an important part of financial stability and with our Transaction Alerts monitoring becomes easier and manageable. Transaction Alerts are especially helpful when there are a lot of automated bill pays setup. You can monitor when each transaction processes.
“I use Transaction Alerts to monitor all of my account activity. I have it setup to the minimum $0.01 setting so I can receive an alert for all transactions so that I know what is going into and out of my account at all times.“
“I use a Transaction Alert to know when there are large purchases on my account. For example, I setup an alert for any transaction over $500.”
Scheduled Alerts is another available option to our Online Banking Customers. This is an Alert that you can fully customize the details, timing, and message. Scheduled Alerts are a modern and excellent way to easily be reminded of certain events such as business conferences, birthdays, special occasions, or recurring events. Scheduled Alerts can help keep our lives on track.
“I use Scheduled Alerts to remind me to prepare for a weekly meeting.”
“I always forget my uncle's birthday in May. I now have a Scheduled Alert setup to remind me both on the day of his birthday and one week before so I can remember to send him birthday wished or buy a gift.”
These alerts can only be setup, changed, or deleted by our Online Banking customers themselves while logged into their Online Banking Profile.
Here is how to setup Alerts:
1. Login to Online Banking
2. Select the “Other Services” tab
3. Select the “Alerts” tab
4. Verify that Your Primary Email Address is correct. If not, contact the bank!
5. Add Your Additional Email Address. See below, Text Email Address, to setup your phone to receive text alerts. Click “Save” to record your addition.
6. Balance Alerts
a. Alert me when [Select Account] balance is [greater than | less than | less than or equal to | greater than or equal to] [amount]
b. Add Alert
7. Transaction Exceeds Amount Alerts
a. Alert me when my [Any Transaction | Transfer] exceeds the amount of: [amount]
b. Add Alert
8. Scheduled Alerts
a. Month: [choose month] Day: [choose day] Year: [choose year] Type: [One Time | Daily | Every Week | Bi-weekly | Monthly Recurring | Yearly Recurring]
b. Alert Message: [add message]
c. Add Alert
Text Email Address
Use the following formats to configure a secondary email address for Alerts to be sent to. It may be necessary to contact your carrier if the format below does not work or if not listed.
AT&T MMS phonenumber@MMS.att.net
Metro PCS phonenumber@MyMetroPcs.com
US Cellular email@example.com
Virgin Mobile firstname.lastname@example.org
‘phonenumber’ = your 10 digit mobile phone number.
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