Capital Pacific Bank takes great care in helping you protect your personal information.
The following are steps you can take to ensure your identity will be safe and greatly
reduce your risk of fraud.
Take these steps to protect yourself:
1. Get a copy of your credit report from each of the three major credit bureaus at
least once a year. It lists all of the lines of credit in your name. Check to be sure
that everything is accurate, that all of the accounts are yours and that accounts
you have requested to be closed are marked closed. There is a nominal fee for these
reports. If you have been turned down for credit, are a victim of identity theft,
receive welfare or are unemployed you are eligible for a free report.
To order credit bureau reports, call:
2. As soon as you receive your bank statement, reconcile your accounts and identify
any errors. You may also reconcile daily by using our Internet Banking products. This
is an easy way to ensure all of the activity in your accounts was initiated by you.
If there are any errors or unauthorized activity on your account contact the bank
as soon as possible at 503-796-0100.
3. Tear up or shred pre-approved credit offers, receipts and other personal information
that link your name to account numbers. Don't leave your ATM or credit card receipt
in public trashcans. Thieves are known to go through trash to get account numbers
and other items that will give the just enough information to get credit in your name.
Although many consumers appreciate the convenience and customer service of general
direct mail, some may prefer not to receive offers of pre-approved financing or credit.
To "opt out" of receiving such offers, call (888) 5 OPT OUT sponsored by the credit
bureaus.
The Direct Marketing Association offers services to help reduce the number of mail
and telephone solicitations. To join their mail preference services, mail your name,
home address and signature to: Mail Preference Service, Direct Marketing Association,
P.O. Box 9008, Farmingdale, NY 11735-9008 or visit their web site at http://www.dmaconsumers.org/offmailinglist.html
4. Know your billing cycles and watch for any missing mail. If your credit card or
bills are more than two weeks late, you should do three things: First, contact the
Postal Service to see if someone has forwarded your mail to another address. Second,
contact your banker to ask if the statement or card has been mailed. Third, contact
the businesses that send you bills.
Carefully review your monthly utility bills (including cellular telephone bills) and
credit card statements for unauthorized charges as soon as you receive them. If you
suspect unauthorized use, contact the provider's customer service and fraud departments
immediately.
When you order new checks, ask when you can expect delivery. If your mailbox is not
secure ask to have the checks delivered to the bank instead of having them delivered
to your home. Never put your personal numbers on checks (i.e. social security number
or driver's license number).
5. When you pay bills, don't put them in your mailbox with the red flag up. Criminals
may steal your mail and use the information to change your address and or perpetrate
other fraud. Use a locked mailbox or the post office.
6. Protect your account information. Don't write your personal identification number
(PIN) on your ATM or debit card. Don't write your social security number or credit
card account number on a check. Cover your hand when you are entering your PIN number
at an ATM. When selecting PINs and Passwords use alpha numeric characters and change
them periodically.
7. Don't carry your Social Security card, passport or birth certificate unless you
need it that day. Take all but one or two credit cards out if your wallet, and maintain
a list in a secure place of account information and customer service telephone numbers.
If your wallet is lost or stolen this list will provide you with the information and
phone numbers you need to contact you creditors.
8. Never provide personal or credit card information over the phone, unless you initiated
the call. Capital Pacific Bank will never ask you for your PIN numbers. We will only
ask information from you if you initiated the call and we need to identify you.
Equal Housing Lender