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Identity theft occurs when someone obtains and uses another person’s personal information without authorization, often for fraudulent purposes. Sensitive information, such as your address, Social Security number, and credit card details, can be at risk.

While identity theft can happen to anyone, staying informed and taking proactive steps to protect your personal information can help reduce your risk of becoming a victim.

Steps to Protect Your Information

Protect Your PIN at ATMs and Checkout

When using an ATM or making a purchase, be mindful of who may be watching your PIN entry. Criminals may use hidden cameras or attempt to “shoulder surf” in busy locations to capture your information.

• Cover the keypad when entering your PIN.
• Be aware of your surroundings and anyone standing nearby.
• Never share your PIN with others.
• If an ATM appears tampered with, do not use it and notify the bank.

Keep Your Mobile Devices Secure

With the increased use of mobile banking and smartphones, protecting your information online is an important part of being prepared.

• Download apps and make purchases through trusted, authorized app stores.
• Use a strong password or passcode on your smartphone, tablet, and other devices.
• Enable automatic screen locks to protect your information when your device is unattended.
• Create unique passwords using a combination of letters, numbers, and symbols.
• Utilize available online banking security features, including security questions and account alerts.

Remember: Staying informed and taking proactive steps today can help protect your personal information and financial well-being tomorrow. If you notice suspicious activity or an unfamiliar login, contact Citizens Savings Bank immediately.

Protecting Yourself from Identity Theft

Be cautious of online shopping scams: Fraudsters may use emails, text messages, social media ads, and websites offering unrealistic discounts to trick you into providing personal or financial information. Avoid clicking links from unfamiliar messages. Instead, visit the retailer’s official website by entering the address yourself or using a trusted app.

Before entering payment information, look for “https” and the lock symbol in your browser’s address bar. While these indicate that your connection is encrypted, they do not guarantee that a website or seller is legitimate. If something seems suspicious, do not provide your information or complete the purchase.

Use caution when connecting to public Wi-Fi: Airports, hotels, coffee shops, and other public locations often offer free Wi-Fi, but these networks may not provide the same level of security as your home or mobile connection. Avoid accessing online banking or entering sensitive information while connected to an unfamiliar public network. When possible, wait until you have a secure connection or use your device’s cellular network.

A little preparation can go a long way: Staying alert, recognizing potential scams, and taking a few extra precautions can help protect your information wherever you shop or travel.

How Citizens Savings Bank Can Help

While the risk of identity theft can never be eliminated, Citizens Savings Bank is committed to providing secure, reliable banking solutions and resources to help protect your personal and financial information.

As part of your personal security routine, review your bank and credit card statements regularly and monitor your accounts for unusual activity. If you notice a transaction, you do not recognize, contact Citizens Savings Bank promptly.

Identity theft can be unsettling, but staying informed, monitoring your accounts, and taking proactive steps can help protect your information and your financial well-being.

Learn More

Citizens Savings Bank has multiple locations throughout Lackawanna, Wayne, and Monroe Counties. For branch locations and hours, visit our website. We also have a Customer Support Team ready to answer any questions you may have. Call us today at 1-800-692-6279 or email [email protected]. Member FDIC.