Protect Yourself from Identity Theft and Fraud
Precautions to Keep Your Identity Safe
General Security Warning (Phone and Email Scams)
- Never write your PIN on your card or place it in your wallet. Memorize your PIN as soon as possible. Do not reveal it to anyone not authorized to use the account.
- Never use your date of birth, social security number, license number, or street address as a PIN.
- Don't throw away your ATM receipts at the ATM location. Keep them to reconcile your account then dispose of them properly when you get home.
- Always be aware of your surroundings when using the ATM. Use a machine that is well lit and avoid dark, remote locations.
- Always make sure to retrieve your ATM card from the machine.
- Make sure no one can see you entering your PIN or how much money you withdraw.
- Review your statement promptly to ensure all transactions are accurate and report any discrepancies immediately.
- Destroy old ATM cards as soon as you receive your replacement cards.
- Before inserting your card into an ATM inspect the card slot for any residue or skimming devices.
- Always cover the keypad with your hand when entering your PIN.
What if I'm a Victim of Fraud?
Check Cashing Fraud
- Always safeguard your checks. Don't leave your checks unsecured in an open area.
- Keep your blank checks and canceled checks in a safe place. Destroy old blank checks.
- Limit the amount of personal information printed on the checks to your name and address. Do not include useful information for thieves such as your driver's license number and social security number.
- When paying bills by mail, it is more secure to deposit them at the post office or a curbside USPS mailbox.
- Be discreet when writing checks in public places.
- Write your checks carefully and leave no space in which figures or words can be inserted.
- When you make an error in writing a check, be sure to destroy the check or write "canceled" across it.
- If your checks are lost or stolen, report it immediately to your financial institution.
- Reconcile your monthly statements as soon as you can to ensure all transactions are accurate. Contact us immediately if you do not receive it when expected or find any discrepancies.
- When you reorder checks, mark your calendar. If you don't receive your checks within 15 working days, contact us immediately.
- Consider alternatives to check writing. Paying by phone, using billpay, or setting up automatic payments are more secure alternatives. Fewer checks mean fewer theft opportunities.
Fake Check Scams are on the rise. Here is how to spot them.
- The check comes from someone you don't know.
- The payee has sent detailed instructions on what to do with the check.
- You were overpaid, won a prize, or "hired." Thus the payee requests you return a portion of the funds.
These scams work because the counterfeit checks look like real checks. Always be mindful of cashing checks from people you do not know, and take the necessary precautions to keep yourself safe from these types of scams.
For more info, visit the Federal Trade Commission website here.
Debit Card Fraud
In effort to protect your account, our debit cards have a dedicated Fraud Center. When there is a question about a charge that occurs on your account, our fraud center may reach out to verify transactions with you.
The Fraud Center will try to contact you by a phone call, text message and/or email. The Fraud Center will give the information about a charge and ask if it is a charge you authorized.
The Fraud Center will NEVER ask for personal information such as: account number, social security number, or card number.
Please save these numbers in your phone as TEXAR Fraud Center so you will know to answer the phone. These are the ONLY numbers our Fraud Center use.
Fraud Center Phone Number: 1-800-237-8990
Fraud Center Text Number: 96923
Credit Card Fraud
- Keep a list of all your credit card numbers and the phone number of the issuing company.
- Review your credit card statement as soon as possible. Match charges with your receipts to ensure all charges are yours and are for the correct amount.
- Always sign a new credit card immediately.
- When making a purchase with a credit card, make sure the card is returned and check the receipt for accuracy.
- Make sure that all blank lines on the receipt are marked through so the final amount can't be changed.
- Never sign blank credit card receipts.
- Only travel with the credit cards you plan on using.
- Never give out your credit card number over the phone unless you initiate the call.
- Do not write the PIN on the card.
Internet Fraud - Phishing Scams
- Do not reply or click any links in the message. If you are concerned about your account, contact the organization directly.
- Never cut and paste a link from a suspicious message into your Internet browser — phishers can make links look like they go to one place but they actually send you to a different site.
- Never give out personal information via e-mail. TEXAR will never request personal information via email.
Phone Security - Vishing Scams
- Never give your personal information over the phone. If you feel a call is suspicious, call the company directly to verify the authenticity of the call.
- Beware of organizations asking for charitable donations. If you want to donate money, contact the organization yourself to make sure that your money is going to the appropriate place.