SECURITY HELP DESK
Debit Card Fraud
With Debit Card fraud rapidly on the rise, it is becoming more important than ever to be cautious with card purchases. Recently, Yahoo Finance released an article, "10 Places Not to Use Your Debit Card", with tips on when and where not to reach for a Debit Card.
Click here to read the article.
To report a lost or stolen Putnam Bank VISA® check card please call 1-800-264-5578. In addition, please call Putnam Bank to notify us of your incident during business hours.
Think your identity has been stolen; here is what to do now:
1. Contact the fraud departments of any one of the three major credit bureaus to place a fraud alert on your credit file. The fraud alert requests creditors to contact you before opening any new accounts or making any changes to your existing accounts. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will be automatically notified, and all three credit reports will be sent to you free of charge.
2. Close accounts that you know or believe have been tampered with or opened fraudulently. Use the ID Theft Affidavit (PDF) when disputing new unauthorized accounts.
3. File a police report. Get a copy of the report to submit to your creditors and others that may require proof of the crime.
4. File your complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement agencies for investigations. Filing a complaint also helps the FTC gather more information about identity theft and the problems victims are having. For more information, go to: http://www.ftc.gov/bcp/edu/microsites/idtheft/.
FBI Site: http://www.ic3.gov
Federal Trade Commission Laws: http://www.ftc.gov
The National Fraud Information Center: http://www.fraud.org
Better Business Bureau Quiz: http://www.javelinstrategy.com/IDSAFETYQUIZ.htm
How Putnam Bank safeguards you:
TYPES OF ONLINE FRAUD:
Phishing: is the act of seeking information is a sly or indirect way. Often a spoofed email is used as bait to lure someone to an imitation of a legitimate site. If they fall for the bait and believe the fake Web page to be authentic then the phishing expedition has been a success.
Spoofing: A spoof refers to a hoax or imitation, as a verb it means to deceive. A spoofed email is a deception, as it appears to have come from a trusted source. The individual performing the spoof will use an email address similar to that of a trusted source, or they will change the header information of the email so that it appears as though the trusted source is the sender. A spoofed website is an imitation site that uses the exact graphics, colors and layouts from the trusted site it is trying to replicate.
You play a crucial role in preventing others from logging on to your account. Never use easy-to-guess passwords. Examples:
Never reveal your password to another person. You should periodically change your password in the User Option screen of online banking.
PREVENT IDENTITY FRAUD:
SAFE COMPUTING PRACTICES: