When it comes to keeping your personal and financial information safe, it’s important to be proactive. Follow these tips to help protect yourself from fraud and identity theft.
Safeguard your personal and financial information so that it doesn’t fall into the wrong hands.
Carry only necessary information with you. Leave your Social Security card and unused credits cards at home in a safe and secure location.
Do not provide your Social Security number unless absolutely necessary.
Make photocopies (front and back) of vital information you carry regularly and store them in a secure place, such as a safety deposit box. Then, if your purse or wallet is lost or stolen, you have contact information and account numbers readily available.
If you are uncomfortable with a phone call that was not initiated by you, hang up or ask for the purpose of the call. Then contact the company using legitimate sources such as contact phone numbers found on the company’s website, your bank statements, and those listed on your ATM, debit or credit card.
Never provide payment or personally identifying information on a call that you did not initiate.
Shred documents containing personal or financial information before discarding. Many fraud and identity theft incidents happen as a result of mail and garbage theft.
Review your credit report at least once a year to look for suspicious or unknown transactions. You can get a free credit report once a year from each of the three major credit bureaus at www.annualcreditreport.com. Get a copy at any time directly from:
Equifax: 1.800.685.1111 or www.equifax.com
Experian: 1.888.397.3742 or www.experian.com
TransUnion: 1.800.916.8800 or www.transunion.com
Promptly retrieve incoming mail and place outgoing mail in a U.S. Postal Service mailbox, instead of your home mailbox, to reduce the chance of mail theft. Consider paperless options for your bills and financial statements.
Know your billing and statement cycles. Contact the company’s or Bank’s customer service department if you stop receiving your regular bill or statement.
There are many steps you can take to secure your checking, credit card, and debit card accounts. These tips can help get you started.
Report lost or stolen cards and checks immediately.
Review account statements carefully. Regular account review helps to quickly detect and stop fraudulent activity. Ask about suspicious charges.
With BankNewport's eBanking, eMobile and/or Account Alerts you can monitor your account online any time and as frequently as you like.
Store new and cancelled checks in a safe and secure location.
Carry your checkbook with you only when necessary.
Do not send your account information via email, as it is typically not secure.
Do not give out your account information over the phone unless you are the one to initiate the call.
Always keep your credit or debit card in a safe and secure place. Treat it as you would cash or checks. Contact BankNewport immediately at 845.2265 or 877.709.2265 outside the Newport County area (select option 6 if calling after hours) if your card is lost or stolen, or if you suspect unauthorized use.
Do not send your card number through email, as it is typically not secure.
Do not give out your card number over the phone unless you initiated the call.
Regularly review your account statements as soon as you receive them to verify transactions. Contact BankNewport immediately if you identify any discrepancies.
If you have forgotten your PIN or would like to select a new one, please visit your nearest BankNewport location.
When selecting a PIN, don’t use a number or word that appears in your wallet, such as name, birth date, or phone number.
Ensure no one sees your PIN when you enter it. Memorize your PIN. Don’t write it down anywhere, especially on your card, and never share it with anyone.
Cancel and cut up unused credit and other cards. If you receive a replacement card, destroy your old card.
Safe-keep or securely dispose of your transaction receipts.
From time to time BankNewport may block certain geographic areas in response to increased fraudulent activity. If you’re planning to travel call us at 401.845.2265 or 877.709.2265 outside the Newport County area.
Debit Cards often give you a better exchange rate then you’ll receive at currency exchange bureaus.
Find out your daily withdrawal limit before you leave, or ask to have it increased.
Some foreign ATMs are available only during normal business hours.
Withdraw enough cash to cover expenses should you travel to small towns. Many do not have ATMs.
Most foreign ATMs only permit transactions involving your primary linked account
Put your money and your card away immediately after making a withdrawal. Count your money later, out of public view.
Whether you’re sending emails, shopping online, using social media, or just surfing the Web, it’s important to keep your account information and identity secure. Follow these tips to avoid compromising your information.
Do not use your Social Security number as a username or password.
Change your usernames and passwords regularly and use combinations of letters, numbers, and special characters such as # and @. Do not use your BankNewport credentials for other online accounts.
Always log off from any website after a purchase transaction is made with your credit or debit card. If you cannot log off, shut down your browser to prevent unauthorized access to your account information.
Protect your online passwords. Don’t write them down or share them with anyone.
Protect your answers to security questions. Do not write down or share your answers with anyone. BankNewport will never ask you to provide answers to security questions via email.
Use secure websites for transactions and shopping. Shop with merchants you trust. Make sure internet purchases are secured with encryption to protect your account. Look for secure transaction signs like a lock symbol in the lower right-hand corner of your browser or “https” in the address bar.
Social media is increasingly popular, but it's a good idea to keep certain personal information private. Avoid sharing personal details that are used by financial institutions to identify you, such as your birth date, home address, mother’s maiden name, schools attended/mascots and pet’s name. Fraudsters may use this type of information to help gain access to an account since they are common answers to security questions.
Always carefully review the privacy options for any social network you join. The privacy options and tools for social networks can be complex and should be reviewed carefully so that there is no disclosure of information you meant to remain private.
At BankNewport, we are committed to your privacy and the security of your account information. Although we may send you email from time to time to inform you about new site features and important updates, BankNewport will never email you to ask for verification or updating of sensitive information such as account numbers, PIN Numbers, user names, passwords, or social security numbers.
If you receive a suspicious email asking for sensitive BankNewport account information, do not reply and do not click any of the links inside the message.
Please forward a copy of the email to us at firstname.lastname@example.org and immediately contact Customer Service at 401.845.2265 or 877.709.2265 outside the Newport County area.
When you use a mobile device for account access, keep these tips in mind:
Use the screen lock, touch ID/passcode biometric feature on your device. These features allow you to protect your device to make it more difficult for someone else to access your information.
Frequently delete text messages from your financial institution, especially before loaning out, discarding, or selling your mobile device.
Never disclose via text message, instant messaging, online chat, phone or email your personal or financial information, including account numbers, passwords, Social Security number, or birth date.
Avoid storing your banking password or other sensitive information on your smartphone where it could be discovered if your phone is stolen.
Be cautious when using public hotspots. Carefully consider your Wi-Fi and Bluetooth connection settings, even at a trusted retailer, as fraudsters can spoof the name of reputable hotspots.
Applications are programs you can download to your mobile device. Applications or “apps” that let you monitor your finances and conduct certain transactions are increasing in popularity.
- Download banking applications from reputable sources only to ensure the safety of your account information. Download the BankNewport app by searching “BankNewport” in your phone’s app store, or visit banknewport.com on your phone's browser.
- For your security, sign off when you finish using a BankNewport app rather than just closing it.
Avoid downloading programs from unknown sources.
Ensure your computer operating system, software; browser version and plug-ins are current. Before downloading an update to your computer program, first go to the company’s website to confirm the update is legitimate.
Install a personal firewall on your computer and keep anti-virus software installed and updated.
Be wary of conducting online banking activities on computers that are shared by others. Public computers should be used with caution. Online banking activities and viewing or downloading documents (statements, etc.) should be conducted, when possible, on a computer you know to be safe and secure.
Configure your devices to prevent unauthorized users from remotely accessing your devices or home network. For example, if you use a home wireless router for your home internet connection, follow the manufacturer’s recommendations to configure the router with appropriate security settings.