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Identity Theft & Banking Security Education

 

Identity Theft Education

Q.  Is Identity Theft really a crime?

 

A. Yes.  The Identity Theft and Assumption Deterrence Act enacted by Congress in October 1998 made identity theft a federal crime.

 

Q.  What personal information should I share over the telephone?

 

A.  Do not give out your personal information on the telephone unless you have initiated the call or know with whom you’re speaking.  Identity thieves may pose as representatives of financial institutions, Internet service providers, and even government agencies to get you to reveal sensitive information.

 

Q.  Should I follow the same advice for sharing information over the internet?

 

A.  Yes.  Make sure you verify that the website you are on is a secured site before submitting financial information or personal data.  Do not follow links in suspicious emails.  Access the website you wish to reach by typing the address into your browser.

 

Q.  Can I contact Kaw Valley State Bank if I have received a suspicious phone call?

 

A.  Yes.  Please feel free to call us to verify the authenticity of any phone call that you are skeptical about.

 

Q.  Am I required to give my Social Security Number to certain businesses?

 

A. Financial institutions and employers will need your SSN as proof of your identity and for wage and tax reporting.  If you are applying for a loan, utility service, or a rental agreement, these businesses may need your SSN for a credit check.

 

Q.  Do I have the right to know why my SSN is required?

 

A. Yes, and here are some general questions you should ask when someone requests your SSN:

1) Why do you need my SSN?

2) How are you going to use my SSN?

3) What procedures do you have in place to protect my information?

4) What will happen if I choose not to release this information?

 

Q.  What should be my first steps if I feel I have been a victim of identity theft?

 

A.  Contact your financial institution to close the account(s) which have been affected.  Place a fraud alert on your credit reports and review them.  File a report with your local police department.                                            

 

Q.  How do I report a compromised, lost, or stolen Kaw Valley State Bank Visa Check Card?

 

A. You can contact us directly during regular business hours or, for 24 hour reporting, call 1-800-523-4175.

 

Q.  How do I report a compromised, lost, or stolen Kaw Valley State Bank Visa Credit Card?

 

A. You can contact us directly during regular business hours or, for 24 hour reporting, call 1-800-423-7503.

 

Q.  Where can I go to get more information?

 

A. The Kaw Valley State Bank has several publications on hand to inform our customers about the processes to resolve an identity theft situation.  You can also find out more at the following links:

 

   

 

 

 

Online Banking & Data Security Education