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Security Center

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. 

If you suspect any of the following: 

  • Fraud activity
  • Unauthorized Check/Paper Draft Activity
  • Unauthorized ACH Withdrawal
  • Unauthorized Debit Card Transaction
  • Unauthorized Wire Transfer
  • Lost or Stolen Checks
  • Lost or Stolen Debit Card or ATM Card

Please contact us immediately at 831.264.4000 or visit us at one of our locations.

Click here for more information on 1st Capital Bank’s Privacy Statement.

Fraud Prevention

Account Protection  

Identity Theft

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.
Deluxe ID TheftBlock


Credit Bureaus

Equifax –
Report Fraud:   800-525-6285
Order Report:   800-685-1111
Write:   P.O. Box 740241

Experian –
Report Fraud:   888-397-3742
Order Report:   888-397-3742
Write:   P.O. Box 2104

Report Fraud:   800-680-7289
Order Report:   800-916-8800
Write:   P.O. Box 1000

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 without leaving your chair.

  • 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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