To report a lost or stolen Debit Card call Shazam: (800) 383-8000
To report a lost or stolen Deerwood Bank Credit Card call: (800) 423-7503

At Deerwood Bank, protecting your privacy and identity is paramount. That is why we are dedicating this page to keep you informed about the latest types of scams and fraudulent attempts that may affect you financially and potentially be used to steal your identity. In addition, we are providing you with links to help you in the event that you feel your identity has been compromised. If you have any questions or concerns call us at 1-800-291-6597 or email us at info@deerwoodbank.com.

There are times when an employee from the bank may call you to ask for updated information or to confirm other personal data. If you prefer, please take down the employee’s name and call 1-800-291-6597 to verify that the employee does indeed work at Deerwood Bank. The person who answers the phone can then direct you to the employee that called.

How Identity Theft Happens

Identity theft starts with the misuse of personally identifying information such as name and social security number, credit card numbers, or other financial account information. Skilled identity thieves may use a variety of methods to get hold of your information, including:

• Dumpster Diving - Rummage through trash looking for bills or other paper with personal information on it.
• Skimming - Steal credit or debit card numbers by using a special storage device at a merchant or at an ATM when processing a card transaction.
• Phishing - Pretend to be with a financial institution or company and send spam or pop-up messages to get someone to reveal or respond with their personal information.
• Changing Your Address - Divert the billing statement or another account notice to another location by completing a change of address form with the financial institution or company.
• Theft - Stealing wallets and purses or mail, including bank and credit card statements, pre-approved credit offers, orders of new checks, or tax information. Stealing personal records or bribing employees with access to personal records to steal them.
• Pretexting - Using false pretenses to obtain personal information from financial institutions, telephone companies, and other sources.

Links

Here are links that are helpful and can inform you about steps you can take to protect your identity – as well as to assist you in the event that your identity has been compromised. Remember; contact Deerwood Bank immediately if you think your information has been compromised.

You will also want to file a complaint with the Federal Trade Commission. In addition, the FTC hasa helpful brochure to assist you in responding to an incidence of identity theft titled: “ID Theft: What It’s All About”.

1-877-438-4338 600
Penn Avenue, NW
Washington, DC 20580
www.consumer.gov/idtheft

You will want to notify one of these three credit bureau companies.

Equifax - www.equifax.com
	To order your report: 1-800-685-1111 PO Box 740241 Atlanta, GA 30374-0241	To report fraud: 1-800-525-6285 PO Box 740241 Atlanta, GA 30374-0241
Experian - www.experian.com
	To order your report: 1-888-397-3742 PO Box 2104 Allen, TX 75013	To report fraud: 1-888-397-3742 PO Box 9532 Allen, TX 75013
Trans Union – www.tuc.com
	To order your report: 1-800-916-8800 PO Box 1000 Chester, PA 19022	To report fraud: 1-800-680-7289 PO Box 6790 Fullerton, CA 92834

You can also view your credit report online at no cost to you at: www.annualcreditreport.com.

Recent Identity Theft Scams

We’ve described below some recent examples of bogus emails and phone calls that may be attempts to gain access to your personal information. As always, if you are the receiver of an email and you do not recognize the sender - or if the email does not make any sense to you, it is likely a malicious/bogus email. Never click on any links contained in the email. Just delete the entire email from your inbox.

NACHA Email:

An email claiming to be from NACHA (the National Automated Clearing House Association) which states:

The ACH transfer (ID: #############), recently initiated from your bank account (by you or any other person), was rejected by the other financial institution.

Canceled Transfer
Transaction ID: #############

Reason for rejection       See details in the report below
Transaction Report         Report #########.pdf (self-extracting archive, Adobe PDF)

13450 Sunrise Valley Drive, Suite 100 Herndon, VA 20171 (703) 561-1100
2011 NACHA – The Electronic Payments Association

Federal Reserve Email:

An email claiming to be from the Federal Reserve Bank:

The Outgoing Wire transfer, recently initiated from your checking account, was not processed by the FedWire. Please click here to view report

This service is provided to you by the Federal Reserve Board. Visit us on the web at http://www.federalreserve.gov.

 

Fraudulent Phone Calls:

There have also been numerous phone calls – including to cell phones – where you are told that your Debit Card needs to be activated – or in some cases reactivated. These calls may be from a live person, or you may be given a phone number to call to “activate” your card. When you call the phone number, you again may be speaking to a live person, or in other cases you are put into an interactive voice response system. These are fraudulent phone calls. Please do not give out your personal information – like your debit card number. If you inadvertently do give this information to the caller, please contact Deerwood Bank and we will close your current debit card and order you a new one.

Mobile Banking Safety Tips:

Following a few simple steps can help make Mobile Banking a safe a convenient way to manage your accounts.

• Avoid storing sensitive information like passwords and social security numbers on your mobile device.
• Password protect your mobile device and lock it when you’re not using it.
• Be aware of your surroundings. Don’t type any sensitive information if others around you can see.
• Log out completely when you complete a mobile banking session.
• Protect your phone from viruses and malware just like you do for your computer by installing mobile security software.
• Download the updates for your phone and mobile apps.
• Use discretion when downloading apps.
• If you change your phone number or lose your mobile device, let us know right away.
• Monitor your accounts regularly and immediately report suspicious activity.