Hillsboro, OH (January 28, 2016) – National
Cooperative Bank (NCB), a leading financial services company dedicated to serving cooperatives and
socially responsible organizations nationwide, is urging consumers to take an
active role in protecting their data in recognition of National Data Privacy
Day on January 28.
“National Cooperative Bank’s first priority is to protect our customers’ money and
their financial data,” said Debra Jones, NCB Ohio Co-President. “We use a
combination of safeguards to protect our customers’ information, and we encourage
our customers to partner with us in that effort.”
To help ensure the safety of personal information, NCB suggests following these
- Create c0mplic@t3d passwords. Avoid birthdays, pet names and
simple passwords like 12345. It is also important to change passwords at least
three times a year. Because friendly theft – theft by someone the victim knows
– is the most common type of identity theft or fraud, don’t share your
passwords with family members and be mindful of who has access to your personal
- Keep tabs on your accounts. Check account activity and online
statements often, instead of waiting for the monthly statement. You are the
first line of defense because you know right away if a transaction is
fraudulent. Sign up for text or email alerts to be notified of transactions
over a certain dollar amount or online transactions. If you notice unusual or
unauthorized activity, notify your bank right away. When a customer reports an
unauthorized transaction in a timely manner, the bank will cover the loss and
take measures to protect the account.
- Stay alert online.Be sure
computers and mobile devices are equipped with up-to-date anti-virus and
malware protection. Never give
out your personal financial information in response to an unsolicited email, no
matter how official it may seem. Your bank will never contact you by email
asking for your password, PIN, or account information. Only open links and
attachments from trusted sources. When submitting financial information on a
website, look for the padlock or key icon at the top or bottom of your browser,
and make sure the Internet address begins with “https.” This signals that your
information is secure during transmission.
- Protect your mobile device. Use the passcode lock on your
smartphone and other devices. This will make it more difficult for thieves to
access your information if your device is lost or stolen. Before you donate,
sell or trade your mobile device, be sure to wipe it using specialized software
or using the manufacturer’s recommended technique. Some software allows you to
wipe your device remotely if it is lost or stolen. Use caution when downloading
apps, as they may contain malware and avoid opening links and attachments –
especially from senders you don’t know.
Tips for Victims:
If you are a victim
of fraud and suspect your personal information has been compromised, you should
take the following steps:
- Call your bank
and credit card issuers immediately so they can take necessary steps to protect
- File a police
report and call the fraud unit of the three credit-reporting companies.
- Consider placing
a victim statement in your credit report and a fraud alert on your account.
- Keep a log of all
the contacts you make with authorities regarding the matter. Write down names,
titles, and phone numbers in case you need to re-contact them or refer to them
in future correspondence.
- Contact the FTC’s
ID Theft Consumer Response Center at 1-877-ID THEFT (1-877-438-4338) or www.ftc.gov/idtheft.
Data Privacy Day commemorates the 1981 signing of the
first legally binding international treaty dealing with privacy and data protection.
It is led by the National Cyber Security Alliance, a non-profit, public private
partnership focused on cybersecurity education for all online citizens.
Bank is dedicated to strengthening communities nationwide through the delivery
of banking and financial services, complemented by a special focus on
cooperative expansion and economic development. NCB provides financial products
and services for the nation’s cooperatives, their members, and socially
responsible organizations. Headquartered in Washington, DC, the Bank has
offices in Alaska, California, New York, Ohio and Virginia. To learn more,
National Cooperative Bank on Facebook, or on Twitter @coopbanking. Working
Together, Building Community.
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