Protect yourself against identity theft.
It can happen to anyone. Identity theft is one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. While you can't prevent identity theft from happening to you entirely, you can minimize your risk by taking some preventive steps. By managing your personal information wisely, you can help guard yourself against identity theft.
What you can do today.
Order a copy of your credit report once a year and verify that the information contained within it is accurate. You may order your credit report online by clicking on one of the following links or by calling one of the toll-free numbers listed on their website. (Credit agencies may charge you a fee for your credit report.)
- Equifax www.equifax.com
- Experian www.experian.com
- TransUnion www.transunion.com
- Never write or give your ATM/debit card personal identification number (PIN) to anyone.
- Never give out personal information, such as your checking or savings account number, credit card number or social security number, through the mail, telephone or Internet, unless you have initiated the contact and you are certain that the company is reputable.
- Report to us any lost or stolen ATM/debit card or lost or stolen personal checks immediately. Contact us here.
- Balance your account statements every month and report any unauthorized transactions to us immediately. Call us at 413-584-4474.
- Guard your mail from theft. Deposit outgoing mail in post office collection boxes or the local post office, rather than your unsecured mailbox. Promptly remove incoming mail from your mailbox and notify the post office if you'll be away from your home and can't pick up your mail.
- Guard your trash from theft. Shred charge receipts, credit card applications, insurance forms, old checks, bank statements, anything that contains any of your personal identification.
- Give out your social security number only when absolutely necessary.
If you’re a victim of identity theft.
If you suspect that your identity has been misused, take immediate action. Review the attached booklet TAKING CHARGE - What To Do If Your Identity Is Stolen, published by the United States Secret Service. Below is a brief overview.
- Call the ID Theft Clearinghouse toll free at 877-438-4338 to report the theft.
- Contact the fraud departments of each of the credit agencies.
Equifax www.equifax.com 800-525-6285
Experian www.experian.com 888-397-3742
TransUnion www.transunion.com 800-680-7289
- Contact us immediately at 413-584-4474, as well as any other banks you use and credit card companies to stop access to your accounts.
- File a police report with your local police department or the police where the identity theft occurred.
- Maintain a written log of what has happened to you, the steps that you have taken, and the names of the people that you have spoken to.
The Northampton Cooperative Bank secure online banking service protects you.
When you visit our website and use online banking to access your accounts, be assured that our online banking website is a secured site that only permits you access to your accounts with the use of your user ID and password.
Find out more about identity theft.