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Fraud Prevention

Protecting You | Reporting Fraud | Tips to Protect Your Identity | Internet Banking

Definitions

For questions relating to fraud, call 218-326-9414 or contact us at reportfraud@grsb.com.

Tips to Protect Your Identity

 

  • Reconcile your bank and credit card statements monthly.  Make sure that there is nothing suspicious or out of the ordinary on your statements.
  • Guard your Personal Identification Numbers (PIN)s.  Do not keep your PIN with any of your credit, ATM, or Check Cards.
  • Report lost or stolen checks or credit, debit or ATM cards immediately.
  • Pay bills online or use a locked mailbox to avoid mailbox theft.  Cancel unused credit cards in addition to properly disposing of them.
  • Check your credit report annually.  For information, visit www.annualcreditreport.com or call 1-877-322-8228.
  • Do not give out information such as checking account, credit card or Social Security numbers over the phone unless you initiated the call.
  • Avoid passwords that are easy to discover like your mother’s maiden name or your birth date. Regularly change your passwords.  Also, create a username that is unique and difficult for others to guess.
  • Shred all documents containing personal information.
  • If you think you are a victim of identity theft, take action immediately.  Contact the local police, your bank(s), the three major credit reporting agencies and the Federal Trade Commission at 1-877-ID-THEFT (1-877-438-4338) or log on to its Web site at www.consumer.gov/idtheft.
  • Open and review bank account and credit card statements immediately after you receive them to ensure that there are no unauthorized or fraudulent charges on them.
  • Protect your passwords.  Memorize your passwords.  Do not write them down or share them with anyone.  Change them regularly and use combinations of letters, numbers, and “special characters” such as “pound” (#) and “at” (@) signs.
  • Do not use your Social Security number as a username or password.