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Old Bank Note
 National Bank Note issued by The First National Bank of Sterling City on June 18, 1910
 


 

For Lost or Stolen
Debit Cards:

During Business Hours
 325-378-2191

After Hours
800-472-3272

Identity Theft

What is identity theft?

Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips

Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.

Check your credit report

Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized. The law allows credit bureaus to charge you up to $9.00 for a copy of your credit report. However, this central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don't underestimate the importance of this step.

Credit Bureaus

Equifax-www.equifax.com
To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285

Experian-www.experian.com
To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)

TransUnion -www.transunion.com
To order your report, call: 800-916-8800
To report fraud, call: 1-800-680-7289