Horizon Financial Bank will not contact you via e-mail requesting information regarding your account or claim to have information on your account. Any requests via e-mail for information or someone claiming that they have information on your account is likely "phishing" and should be regarded as such. Do not give any information regarding your account to anyone via e-mail. Contact a representative of the bank directly instead.
Protecting your personal information is important to you.
Protecting your information is just as important to us.
Horizon Financial Bank offers Visa credit and debit cards to its customers. Protecting your card security is important to us. Visa provides multiple layers of security to prevent, detect and resolve unauthorized use of your card information so that you can feel confident using your Visa card. As an added layer of protecting your Visa credit or debit card, activate Verified by Visa at www.verifiedbyvisa.com.
The following information was compiled by the North Dakota Bankers Association and is being provided as a public service from Horizon Financial Bank and NDBA.
Protect Your Personal Information Identity Theft
It Can Happen to You!
Don’t give out personal information (such as your income or buying habits) to people or businesses that ask for it. For example, don’t include personal information:
*when you enter drawings at stores
*when you fill out warranty cards
*when you respond to surveys on the Internet
- Check your credit card statements carefully and immediately report unauthorized purchases.
- Shred all credit card receipts and solicitations, cancelled checks and financial documents before throwing them away.
- Never provide personal, bank account or credit card information to anyone who contacts you through a telephone or e-mail solicitation.
- Be wary of fraud schemes that use fictitious IRS forms to steal your identity.
- Never write down PINs and passwords on your card – memorize them and do not use any part of your Social Security Number, mother’s maiden name, your birth date or address.
- Guard your Social Security Number. Never carry it in your wallet, write it on checks, or give it to anyone who calls you.
- Change your driver’s license number to a randomly assigned number rather than your Social Security Number.
- Be careful at ATMs. “Shoulder surfers” can get your PIN number and gain access to your account.
- Put passwords on all your accounts.
- Cancel unused credit cards (cutting them up is not enough).
- Do not leave paid bills with checks in your mailbox for the mail carrier to pick up.
- Check your credit report at least twice a year.
- Call your credit card company if your card has expired and you have not received a new one.
- Do not use your credit card account number on the Internet unless it is encrypted on a secure site.
- Get more information about your rights to financial privacy. You may visit these web sites: www.fdic.gov – “Privacy Choices;” www.ftc.gov/privacy -- “Sharing Your Personal Information: It’s Your Choice.”
- Surf anonymously and remove identifying information from your browser. To learn how go to: www.epic.org/privacy/tools.html.
Identity Theft Is A Crime
Identity theft occurs when someone obtains a person’s identifying information, such as your name, birth date, Social Security Number, or bank account numbers, without permission and with the intent to defraud. Financial institutions have policies, procedures and controls in place to prevent the unauthorized disclosure of customer information. To learn more about identity theft visit www.consumer.gov/idtheft/index.html.
If Your Identity Is Stolen . . . Act Quickly
- Immediately contact your bank to close your existing accounts. Open new accounts with a new account number, ATM cards and PIN numbers.
- File a report with the police immediately and request copies of all police reports.
- Contact the fraud departments of each of the three major credit bureaus by phone and in writing (see list below).
- Contact the security departments of any fraudulent accounts that have been opened.
- Contact all your creditors, by phone and in writing, and inform them of the problem.
- Cancel all of your credit cards and request that new accounts be established.
- Contact the Drivers License Issuing department in your area to see if a new license has been requested or issued in your name.
Remove Your Name From Marketing Lists
Get off mailing lists – write to:
Direct Marketing Association
Mail Preference Service
PO Box 9008, Farmingdale, NY 11735-9008
Get off telemarketing lists – write to:
Direct Marketing Association
Telephone Preference Service
PO Box 9014, Farmingdale, NY 11735-9014
Get off e-mail lists -- go to:
www.e-mps.org to register to reduce the amount of unsolicited commercial e-mail you receive.
Get off Credit Bureau marketing lists
Call toll-free 888-567-8688
Important Contact Information
ND Attorney General
Federal Trade Commission Hotline
ND Department of Transportation
Drivers License Issuing (701) 328-4353
608 East Boulevard, Bismarck, ND 58505-0700
The Credit Reporting Bureaus/Fraud Departments:
Equifax: Call 800-270-3435 or 800-525-6285
PO Box 105069, Atlanta, GA 30348
Experian: Call 888-397-3742
PO Box 9532, Allen, TX 75013
Transunion: Call 800-680-7289
PO Box 679, Fullerton, CA 92634
Internal Revenue Service
Report Fictitious IRS Forms: Call 800-829-0433
Free Credit Reports Now Available in ND
The following is provided by the FDIC, Horizon Financial Bank and the North Dakota Bankers Association.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.
A credit report contains information on where you live, how you pay your bills and whether you’ve been sued, arrested or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers and other businesses that use it to evaluate your applications for credit insurance employment or renting a home. There are three nationwide consumer reporting companies – Equifax, Experian and Transunion.
There is one central website, toll-free telephone number and mailing address for all three companies. Do not call the companies directly. To request a report, do one of the following:
· Call: 877-322-8228
· Write: Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
(Include the Annual Credit Report Request Form)
You will need to provide your name, address, Social Security Number and date of birth. If you have moved in the last two years, you may have to provide your previous address. You may also be asked for information only you would know for security purposes.
If you request the report online, you should be able to access it immediately. If you order the report by phone or mail, it should be mailed to you within 15 days.
If you find errors or inaccuracies on your credit report, both the consumer reporting company and the information provider (under the FCRA) are responsible for correcting the information. Contact the company in writing with your corrections.