Protect your identity
In today's advancing world, it is important to know how to safeguard your identity. That is why we have provided a couple of video demos to help you prevent possible Identity Theft for both your Personal and Business Accounts.
Identity Theft Prevention - This video provides helpful tips on how to protect your identity.
ID Theft For Business - Watch this video to learn how you can better secure your company's sensitive information.
Information about the Equifax Data Breach
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Was my information stolen?
If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: https://www.equifaxsecurity2017.com/. Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.
How can I protect myself?
- Enroll in Equifax’s services.
Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com/.
- Monitor your credit reports.
In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at annualcreditreport.com. You are entitled to one free report from each of the credit bureaus once per year.
- Monitor your bank accounts.
We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.
- Watch out for scams related to the breach.
Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.
Should I place a credit freeze on my files?
Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.
How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit its website .
Experian: Call 888-397-3742 or visit its website.
TransUnion: Call 888-909-8872 or visit its website.
Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.
Protect your account
How can you keep your accounts, and your money, safe?
All of us at Skyline National Bank are dedicated to keeping your accounts protected — whether you bank at the branch, online or over the phone — and we have a range of systems in place to do just that. We continually update and refine our systems to help ensure we stay on top of the latest threats and techniques to combat them.
But we can’t do it alone. We need your help. Here’s a list of steps you can take to safeguard your identity and finances. And we urge you to share these with your family and friends. Together, we can make a difference.
- Guard your paper statements or switch to online statements.
- Get to know your tellers. The better they know you, the better they’ll be at spotting strange transactions in your accounts.
- Shred all documents that contain private or critical information.
- Never write your Social Security number or driver's license number on your checks (it’s not required by law).
- Don’t provide personal information over the phone. Even if a call sounds legitimate, ask for the number, say you’ll call back and check into things before sharing private data.
- Never do your online banking on a public computer.
- Never use a public wifi to conduct online banking.
- Always sign off and close your browser when you’ve finished your banking. This is especially important if you are banking with a mobile device such as a smartphone or tablet.
- Make sure the information we have for you (e.g., phone, address, etc.) is current in case we need to reach you.
- Choose your Personal Identification Number (PIN) carefully, and make sure the security question is something only you would know. If you decide to write your PINs down, keep them in a safe, discreet place.
- Consider using an online tool such as Dashlane, LastPass or 1Password for your login information for Skyline (and other websites). These apps generate and store random combinations of letters, numbers and characters that serve as your passwords.
- Make sure the URLs you use are secure. Look for the "s" at the end of “http” in your browser window. The “s” in “https” signifies secure communications.
- Banks do not send out emails asking for account information. Be wary of any messages you receive asking for confidential information. And remember you can always call us to double-check.
- Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
- Log out completely when you finish a mobile banking session.
- Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
- Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary "permissions".
- Download updates for your phone and mobile apps. These updates often contain important security updates.
- Avoid storing sensitive information like passwords or a social security number on your mobile device.
- Tell your financial institution immediately if you change your phone number or lose your mobile device.
- Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you're punching in sensitive information.
- Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer's recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
- Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don't know. And be wary of ads (not from your security provider) claiming that your device is infected.
- Watch out for public Wi-Fi. Public connections aren't very secure, so don't perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
- Report any suspected fraud to your bank immediately.
Protect your cards
The convenience you want with the security you expect.
MasterCard ID Theft Protection™
Skyline National Bank provides cardholders with MasterCard ID Theft Protection – at no extra cost – to help detect and resolve Identity Theft.
This benefit includes:
- ID Theft Alerts – This service tracks thousands of websites to learn if a cardholder’s personal information is being bought or sold online. Cardholders can register for Advance Alerts for early detection at mastercard.us/idtheftprotection.
- Expert Resolution Services – Expert assistance is available to help cardholders 24/7 if they think their identity has been stolen. They can call 1-800-MASTERCARD. They will be assigned their own personal certified specialist, who will guide them through the process every step of the way.
- Emergency Wallet Replacement – Experts assist cardholders to quickly cancel and re-order the content of their physical wallet such as social security card, driver’s license and more. They can call 1-800-MASTERCARD for assistance.
To bring cardholders this benefit, MasterCard and Skyline National Bank have partnered with CSID®, an industry leader in identity protection and fraud detection solutions.
Cardholders can have peace of mind knowing that they will not be held responsible for unauthorized transactions on their Skyline National Bank MasterCard account. Zero Liability applies to all transactions made online, in a store, over the telephone or with a mobile device. Cardholders are also protected at the ATM and when using a PIN. Cardholders will not be held responsible for unauthorized transactions if:
- The cardholders have used reasonable care protecting their card from loss or theft; and
- Have promptly reported to Skyline National Bank when they knew their card was lost or stolen.
Am I eligible for this coverage?
To be eligible for this coverage, you must be a holder of a valid MasterCard issued by Skyline National Bank.
How can I access these services?
Simply contact 1-800-MASTERCARD if you believe you have been a victim of Identity Theft, and contact Skyline National Bank at 1-866-773-2811.
Is there a charge for these services?
No, they come with your Skyline National Bank MasterCard at no additional cost.
What do I do if I suspect unauthorized charges to my card?
If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact 1-844-454-9165 immediately.