Identity Theft

Worried You Have Been a Victim of Fraud?

 

Please contact Branch Personnel immediately at any one of our 6 locations

If during normal business hours, telephone is the quickest way to report possible fraud. You can also Email us.

Unsure if you’re a victim of Fraud? Take the Fraud Test: Please click the below link for more information.

If you can answer “Yes” to any of these questions, you could be involved in a fraud or about to be scammed and REMEMBER a Bank representative will never ask you for your logon credentials or personal information over email or via the telephone.

Your Protection and Your Rights (Regulation E)

 

The purpose of Regulation E is to protect consumers who engage in Electronic Funds Transfer (EFT). The regulation lays out very specific requirements for how the bank must handle the resolution of EFT error claims made by the consumer, and how much the consumer can be held liable for in an unauthorized EFT situation.

 

COVERED TRANSACTIONS

 

  • Point of Sale Transfers
  • ATM Transfers
  • Direct Deposits
  • Electronic / ACH Withdrawals
  • Debit Card Transactions
  • Electronic Check Presentments
  • Transactions Initiated by Telephone or Internet

Here is what the Federal rules require:

  • Loss is limited to $50 if you notify the bank within two business days
  • Loss could be up to $500 if notification to bank happens between 3 and 59 days
  • After 60 days you could be legally liable for the full amount

Be diligent in reviewing your monthly statements, especially any EFT transactions. Should you notice suspicious activity or unauthorized transactions Contact Us right away.

Our Promise to You:

  • Prompt investigation of your claim
  • Full resolution within 45 business days
  • A full credit to your account if investigation takes more than 10 days

 

Report Fraud

 

Actively reviewing your account activity every week can help you identify suspicious transactions or possible fraud early on. Enroll in eAlerts and receive alerts on your accounts as they happen!

To Report Fraud please contact our Accounting Department at 610-627-0560
You can also contact your Local Branch or if after business hours Email us.

Should you experience identity theft, visit IdentityTheft.gov to report the theft and receive a recovery plan.

 

Credit Bureau Information