Monitor - Review your account activity

Be alert to red flags that require immediate attention, such as:

• Bills that don’t arrive as expected.
• Unexpected credit cards or account statements, indicating a possible redirect through a fraudulent address change request.
• Denials of credit for no apparent reason.
• Calls or letters about purchases you didn’t make.

To learn more about identity theft, visit the Federal Trade Commission website at This link opens in new tab: ">identitytheft.gov. Or request copies of identity theft resources by writing to: Consumer Response Center Federal Trade Commission 600 Pennsylvania Ave., NW, H-130 Washington, DC 20580.

Credit reports contain information about you, including what accounts you have and your bill-paying history.

The law requires the major nationwide consumer-reporting companies — Equifax®, Experian® and TransUnion® — give you a free copy of your credit report every 12 months if you ask for it. Visit AnnualCreditReport.com, a service created by these three companies, to order your free credit reports each year.

You can also call (877) 322-8228 or write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

One of the most convenient ways to monitor your accounts in real time is with our Internet Banking service. Internet Banking allows customers with a personal computer, tablet or smartphone to perform transactions in a safe, secure and encrypted environment; monitor account activity and balances in real time; and receive secure notifications directly from the Bank.

Review financial accounts and billing statements frequently, and be alert to red flags that require immediate attention, such as:

• Bills that don't arrive as expected.
• Unexpected credit cards or account statements, indicating a possible redirect through a fraudulent address change request.
• Denials of credit for no apparent reason or for which you have not applied.
• Calls or invoices for purchases your business didn't make or for which no record exists.

Contact your personal banker right away if you suspect anything out of line with your normal business practice and transactions.

To learn more about identity theft, visit the Federal Trade Commission website at This link opens in new tab: ">identitytheft.gov. Or request copies of identity theft resources by writing to: Consumer Response Center Federal Trade Commission 600 Pennsylvania Ave., NW, H-130 Washington, DC 20580.

Review your business’ credit report carefully and often. Each major credit reporting agency is required to provide you with a free copy of your credit report every 12 months, upon request. Look out for credit inquiries from unfamiliar companies, accounts that you never opened and unexplained debts — all of these are warning signs of fraud and identity theft. To order your free annual credit report, visit This link opens in new tab: ">www.annualcreditreport.com or call toll-free (877) 322-8228.

You can also write to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

One of the most convenient ways to access and monitor your accounts is with Business Online Banking. This service allows customers with a personal computer to perform transactions in a safe, secure and encrypted environment; monitor account activity and balances in real time; and receive notifications directly from the Bank. To sign up, please stop by or call any of our offices.