Insite National Bank

Your financial security is important to us.

Fraud Prevention

Identity Theft

Enjoy peace-of-mind with ID TheftSmart™.
Identity Theft occurs when someone invades your life, taking pieces of your personal information to use as their own. Generally, they are looking to obtain credit in your name to buy merchandise or obtain cash without being identified. There can be non-credit components too, such as fraudulent addresses, criminal data, DMV records and more. Our ID TheftSmart™ gives you peace-of-mind with protection, detection and restoration services. Talk with a Banker about purchasing this added protection.

Protect yourself from Identity Theft.
From physical safeguards to digital safeguards, we strive to protect your information. There are steps that you can take, too! Check out these great tips from the FTC: https://www.consumer.ftc.gov/topics/privacy-identity-online-security

Prefer videos?
The FTC has created 2 informational videos regarding Identity Theft that may interest you. Check them out:

Federal Trade Commission (FTC) Identity Theft Hotline: 1-877-438-4338


Online Security

What can you do to protect yourself from online fraud?

  • Change your passwords often.
  • Don't use the same ID and PIN/Password for every online account you have.
  • Never disclose your login credentials to other people or companies.
  • Do not store your ID and Password information where others could gain access to it. It is best not to write the information down at all.
  • If accessing information via a wireless network, ensure that the network is secure. Accessing sensitive information (or any website) over a non-secure network simply leaves the door open for criminals. Even if you aren’t visiting a site where you enter an ID and password, you are still leaving your computer exposed to possible threats.

While nothing is foolproof, and new viruses and scams are being developed every day, following these guidelines as well as having a general awareness of the threats that are out there enables you to bank online with more peace of mind and less risk of being a victim of fraud.

Other Helpful Tips to Stay Secure Online

  • Install a consumer firewall/router to protect your home network and never connect your computer directly to your cable modem. There are many qualified vendors who provide choices so check with your computer specialist for one that’s right for you.
  • Do not use the default password or default settings for your firewall. If unsure how to configure and secure the firewall correctly, use the services of a professional.
  • Make sure you have an anti-virus solution installed on each computer. Ideally, use a software package that includes anti-virus, software-based firewall, anti-spyware, anti-malware and anti-phishing.
  • Always keep your desktop security services software up to date including the latest releases of the software itself as well as updated virus definition files.
  • Be wary when opening email from people that you do not know.
  • Do not click on random pop-ups when browsing the Internet.
  • Change your passwords on a regular basis and do not use the same user id and password for every account.
  • Choose “strong” passwords that include mixed-case letters, numbers, and valid symbols (e.g. underscore or dash).
  • Run update processes on a regular basis to keep up with the latest security fixes and patches.

Be wary of any offer that seems too good to be true or one that asks you to provide any personal information. Most companies will not ask for personal information (e.g. credit card numbers, Social Security numbers, account numbers, etc.) through email.


Data Breaches: How You Can Protect Your Information and Money

Banks are national leaders in preserving the security of customer data. The industry dedicates hundreds of millions of dollars annually to data security and adheres to strict regulatory and network requirements. The banking industry’s first priority is to protect consumers.

In the event of a data breach:

  • Report any suspected fraud to your bank immediately.
  • Use online banking to protect yourself. Monitor your financial accounts regularly for fraudulent transactions.
  • Beware of phishing scams. Never give out personal financial information in an email or over the phone unless you have initiated the contact.
  • Monitor your credit report. Order a free copy of your credit report every four months from one of the three credit reporting agencies at annualcreditreport.com. Learn more about credit monitoring here.

If you suspect you might be a victim of identity theft, contact the three major credit bureaus listed below to learn about placing a Fraud Alert on your credit file:

Equifax:
Report fraud: Call (888) 766-0008
www.equifax.com

Experian:
Report fraud: Call (888) 397-3742
www.experian.com/fraud

TransUnion:
Report fraud: Call (800) 680-7289
www.transunion.com


Unusual Checks, ‘Winner’ Notifications and Suspicious Items

If you receive an unusual rebate check or notification about winning a lottery or contest, you can attempt to verify the validity of the notification and/or funds availability of a check item by calling 763-559-2225. (Please Note: You are contacting a business named "Solutran". Please ask for a Customer Service Representative for assistance.)