ONLINE BANKING > Privacy and Security
> Identity Theft
What is Identity Theft
theft can occur in a number of different ways. Identity theft occurs
when someone illegally obtains your personal information – such as your
Social Security number, bank account number, or other identification –
and uses it repeatedly to open new accounts or initiate transactions in
In the worst case, you could find yourself a victim
of identity theft. With the sensitive information obtained from a
successful Phishing scam, these thieves can do damage to your financial
history and personal reputation that can take years to unravel. If you
know what to look for and how it happens, you can self-detect identity
theft before it happens, minimizing losses.
Always keep in mind
that New Omni Bank, N.A., will not send you unsolicited emails with
embedded links or pop-up windows that ask for confidential information.
We will never ask you to provide personal information or account
information via our Web site or by email. If you ever receive a
suspicious request for confidential information that purports to be from
New Omni Bank, N.A., do not respond to it and do not click on any links
that it provides. Report the request to any of our Customer Relationship
Personnel or Operations Officer at any of our locations.
** Federal Deposit Insurance Corporation (FDIC)'s
website provides an on-line multimedia education tool that consumers can use to
learn how to better protect their computers and themselves from identity
thieves. The presentation is on the FDIC’s website at
on October 21, 2009, the Office of the Comptroller of the Currency (OCC)
has published a variety of Web resources that help consumers to
understand the risks as well as how to safeguard their personal
information against theft. Please visit:
What identity thieves can do
everyday items such as your driver’s license or Social Security number
to assume your identity, an identity thief can:
Open new bank accounts, and write bad checks.
Establish new credit card accounts and not pay the bills.
Obtain personal or car loans.
Get cash advances.
Set up cellular phones or utility services and run up bills.
Change your credit card mailing address and charge on your existing
Counterfeit checks or credit or debit cards, or authorize electronic
transfers in your name, and deplete your bank account.
Rent an apartment, but avoid the payments, and get evicted.
File for bankruptcy under your name to avoid paying debts they have
incurred under you name.
Give your name to the police during an arrest. If they don’t show up
for their court date, a warrant for arrest is issued in your name.
How identity thieves do it
Identity theft can occur in a number of different ways. But if you know
what to look for and how it happens, you can minimize your overall risk.
Here are some common scenarios to watch out for:
Lost or stolen information like Social
Security cards, checkbooks, credit cards, debit cards or your mail can
provide criminals with enough data to commit fraud or sell the
information to an organized crime ring.
Onlookers at the
ATM or in stores may get your PIN while you are using your debit card.
Mail theft. Thieves search mailboxes for pre-approved
credit offers, bank statements, tax forms, or convenience checks. They
also look for credit card payment envelopes that have been left for
postal carrier pick-up.
Change of address. Identity
thieves may complete a “Change of Address” form to divert your mail to
Dumpster diving means that thieves
rummage through your trash, the trash of businesses, or public trash
dumps for pieces of non-shredded personal information that they can use
Insider jobs are also a threat to your security.
An employee of a business such as a doctor’s office or financial
services company may illegally access personal information and sell it
to identity thieves. Half of all identity fraud is committed by friends,
family members, relatives, employees, and live-in caregivers with access
to privileged information. Information such as personnel records,
payroll information, insurance files, account numbers, or sales records
can be great help to any identity thief.
have fallen victim to identity theft by individuals who fraudulently
posed as someone who had a legitimate or legal reason to access the
victim’s personal information (e.g., a landlord or employer asking for
Documents in the home.
Unfortunately, identity thieves can gain legitimate access into
someone’s home and personal information through household work,
babysitting, healthcare, friends, or roommates.
On the phone
(Pretexting), you may be tricked into providing information to
someone disguising themselves as a legitimate business representative
like your phone company, a department store, a survey firm, or cable
company. Pretexting is the practice of getting your personal information
under false pretenses. Once the pretexters have the information they
need, they sell your information to people who may use it to get credit
in your name, steal your assets, or to investigate or sue you.
The Internet creates a place that criminals collect critical
personal information. They use the Internet to look for personal pages
that contain information like genealogical data with your mother’s
maiden name that can be used to set up a credit card account or possibly
access existing accounts. Account information sent through email, or
online chat, can easily be intercepted by thieves.
is an attempt to steal confidential information from consumers through
the use of “pop-ups” or emails. These emails have Internet links to
deceive you into disclosing sensitive information such as bank account
numbers and Social Security numbers. Oftentimes the email appears as if
it comes from a trusted source. It directs you to a “spoof” website that
encourages you to divulge sensitive information. New Omni Bank, N.A.,
will never send email requiring customers to send personal information
or account information via email or pop-up windows.
Skimmers are devices used to read the magnetic strip from your
credit card or bank card. They are often hidden in places where you
legitimately use your card to make a transaction like an ATM or a
restaurant. Your information is typically used within 24 hours of the
skim to make online purchases.
How to recognize fraud
below are tips for recognizing whether you have possibly been a victim
of identity theft:
If you did not receive an expected bill or statement by mail. Follow
up with creditors if your bills don’t arrive on time. A missing bill
could mean an identity thief has taken over your account and changed
your billing address to cover his/her tracks.
If unexpected charges occurred on your account.
If there are charges on your account from unrecognized vendors.
If posted checks appear on your account significantly out of
If you receive credit cards that you didn’t apply for.
If you are denied credit or are offered less than favorable credit
terms for no reason.
If you get calls from creditors or debt collectors regarding
merchandise or services that you did not buy.
If an identity thief is opening credit accounts in your name,
these accounts are likely to show up on your credit report. To find out,
you can order a free credit report once a year from each of the three
major credit bureaus at Annual Credit Report Request Service:
www.annualcreditreport.com. For a fee you can obtain a copy at any time
directly from the credit bureaus.
How to protect your
In many cases involving identity theft, months pass
before the victim is aware of any wrongdoing. Simply monitoring your
credit card and account statements on a weekly basis can greatly
decrease your identity theft risk. In fact, the majority of identity
theft crimes are self-detected. And according to a recent report by the
Better Business Bureau, accessing accounts online provides earlier
identity theft detection compared to monitoring monthly paper statements
Reconcile your bank and credit card statements monthly.
Make sure that there is nothing suspicious or out of the ordinary on
Protect your passwords. Memorize your
passwords. Do not write them down or share them with anyone. Change them
regularly and use combinations of letters and numbers. Do not use your
Social Security number as a username or password.
Personal Identification Numbers (PINs). Do not keep your PIN with
any of your credit, debit or ATM cards.
Memorize your numbers
and/or passwords. Do not write your Social Security number or
passwords on paper and store them in your wallet or purse.
Report lost or stolen checks, credit cards or debit cards immediately.
Use credit and debit cards safely.
Cancel all inactive credit card accounts.
When using your
credit card do not volunteer any personal information.
applied for a credit card and have not received the card in a timely
manner, immediately notify the appropriate financial institution.
Closely monitor the expiration dates on your credit cards and debit
cards. Contact the card issuer if the replacement card is not received
prior to your card’s expiration date.
Sign all new cards upon
Match your credit card receipts against monthly bills to
make sure there are no unauthorized charges.
Be wary of “Phishing” emails that appear to
be from a valid company or financial institution requesting confidential
information. Legitimate organizations typically do not send unsolicited
emails asking for confidential information. Do not reply to these emails
or click on links embedded within them. New Omni Bank, N.A., will
never ask you to provide personal information or account information via
our Web site or by email. If you ever receive a suspicious request for
confidential information that purports to be from New Omni Bank, N.A.,
do not respond to it and do not click on any links that it provides.
Report the request to any of our Customer Relationship Personnel or
Operations Officer at any of our locations.
Do not give
out information such as account numbers, credit card or Social
Security numbers over the phone unless your initiated the call.
Avoid passwords that are easy to discover like your mother’s
maiden name or your birth date. Regularly change your passwords. Also,
create a username that is unique and difficult for others to guess.
Shred all documents containing personal information. For
example, bills, bank statements, ATM receipts, and credit card offers
before you discard them.
Keep your personal documentation
(e.g., birth certificate, Social Security card, etc.) and your bank and
credit card records in a secure place. Make photocopies of all the
information you carry daily and store them in a secure location like a
safe deposit box.
Limit the personal information that you
carry in your wallet or purse.
Monitor your mailbox.
Promptly remove mail from your mailbox and deposit your outgoing mail in
U.S. Postal Service collection boxes or at your local U.S. Post Office
rather than in your unsecured home mailbox.
at ATMs, bank counters, or unattended gasoline pumps with you. Remember
to take receipts with you after any purchases at grocery and retail
Prior to discarding a computer, make sure all
personal information is deleted from its hard drive and then re-format
the hard drive. For maximum protection, destroy the hard drive before
discarding the computer.
Review your credit reports at least
once a year for any inaccuracies. You can order a free credit report
once a year from each of the three major credit bureaus at Annual Credit
Report Request Service. For a fee you can obtain a copy at any time
directly from the credit bureaus.
If you think you are a victim of identity theft, take action
Contact the local police, your bank(s), the three major credit
reporting agencies and the Federal Trade Commission. Your account
may be compromised, and you may want to close your existing account
and open a new one.
Call the three major credit bureaus to request that a fraud alert to
be placed on your credit report or to seek for appropriate
www.equifax.com (800) 525-6285
www.experian.com (888) 397-3742
www.transunion.com (800) 680-7289
Contact Annual Credit Report Request Service:
P. O. Box 105281, Atlanta, GA 30348-5281
Report any suspicious activities immediately. Scrutinize any charges
on your account statements carefully to ensure that they are
legitimate. If there is a questionable transaction or a fraudulent
transaction, report it right away.
Contact your local police department. Financial fraud is a crime.
Call the Federal Trade Commission’s ID Theft hotline at (877)
IDTHEFT to report it.
The FTC will take a report, notify law enforcement officials and
Notify the Postal Inspector if you suspect mail theft. It is a
Contact the Social Security Administration to get a new Social
Security number if you believe it is being used by a thief.
Keep detailed notes of your repair efforts.