Privacy, Security & Fraud Prevention
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Privacy Policy | Security Policy | Fraud Prevention | Identity Theft | Debit/Credit Card Theft | Internet Fraud
Privacy Policy
1st Capital Bank respects your privacy. Through our Web site, we strive to provide valuable information to you about how we may serve you, and whether you are a valued existing customer or someone shopping for new bank services. We hope our site answers your questions about our products and services, locations, and hours.
As a visitor to our Web site, you need not be concerned about the privacy of your personal information. Our site is not designed to collect personally identifying data on visitors.
Our Web site does not require you to disclose personally identifying information. If, however, you choose to contact us via email, please keep in mind that your email address and any other information your email header shows about you, such as your name or organization, will be revealed to us in the email. We pledge, however, that when you communicate with us via email, we will use your email information only for the specific purpose of responding to your comments or questions. Your email address will not be sold, nor will it be shared with others outside the bank unless we are compelled to do so by law.
Security
1st Capital Bank is committed to the highest standards and top technologies in the banking environment of today. We use encryption technology and protect our systems and networks with Firewall systems. We maintain and review activity logs to prevent unauthorized activities from occurring within our computing environment. Our employees have limited access to systems and data based on their job requirements.
Fraud Prevention
Identity theft is a real concern to all of us in today’s world. By managing your personal information wisely and cautiously you can minimize your risk. You can help guard against identity theft by following a few simple steps.
- Don’t reveal personal identifying information unless you are sure of how it will be used and whether it will be shared with others.
- Don’t give out personal information on the phone, through the mail or over the Internet unless you have initiated the contact or know who you are dealing with.
- Pay attention to your billing cycles. A missing credit card bill could mean an identity thief may have gotten access to your account and changed your billing address.
- Guard your mail by depositing your outgoing mail in post office collection boxes or at your local post office.
- Put passwords on your credit card, bank and phone accounts.
- Keep items with personal information in a safe place. Tear or shred your charge receipts, copies of credit applications, insurance forms, physician statements, bank checks and statements that you are discarding, expired charge cards and credit offers you receive in the mail.
- Be cautious about where you leave personal information in your home.
- Find out who has access to your personal information at work and verify that the records are kept in a secure location.
- Maintain current and accurate records of all credit cards in your name, along with address and phone numbers in a secure place in the event your wallet or purse is lost. Contact credit card companies immediately and ask for notification of excessive inquiries into your credit records.
- Don’t carry your Social Security card in your wallet or purse. Give your Social Security number only when absolutely necessary. Request to use other types of identifiers when possible.
- Check your credit report once a year to make sure it is accurate and includes only activities you have authorized.
Credit Bureaus
Equifax – www.equifax.com
Report Fraud: 800-525-6285
Order Report: 800-685-1111
Write: P.O. Box 740241
Atlanta, GA 30374-0241
Experian – www.experian.com
Report Fraud: 888-397-3742
Order Report: 888-397-3742
Write: P.O. Box 2104
Allen, TX 75013
Trans Union - www.tuc.com
Report Fraud: 800-680-7289
Order Report: 800-916-8800
Write: P.O. Box 1000
Chester, PA 19022
Debit & Credit Card Fraud
Debit cards and credit cards have become the most convenient form for purchasing our every day needs. They have replaced the actual need to carry cash and should be treated like cash. With the ever-increasing volume of debit cards and credit cards so has fraud.
- You should never loan your cards to anyone.
- Carry only the cards you use frequently.
- Never leave your wallet or purse in your vehicle.
Internet Fraud
The Internet has altered America’s lifestyle by enabling people from all walks of life to bring entire libraries, entertainment venues, post offices and financial centers to the home, workplace and shirt pocket. The biggest impact is how we shop now. The Internet is the most convenient way to purchase everything from groceries to houses. The ease and selection that the Internet provides to shoppers has changed the face of retailing. You can go to the retailer’s website to make a selection before leaving your chair. Just as consumers should take obvious measure to protect themselves in actual stores, online shoppers can consider sensible precautions as well.
- Learn as much as possible about the product and seller.
- Understand the retailers’ refund policies.
- Choose a secure password to protect account information.
- Use a secure checkout and payment process.
- If an offer sounds highly suspicious or too good to be true, it probably is.
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