Iowa State Bank  

Identity Theft

Identity Theft is a serious crime.  It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes.  Identity theft can by very costly to you and it can occur for months without your knowledge, damaging your credit rating and reputation. 
At Iowa State Bank, we take particular care to protect you and your privacy by keeping your financial information confidential.  

  • We do not disclose non-public, private information about our customer base unless permitted by law. 
  • Access to your personal information and account information is limited to employees who need to know that information only to provide a product or service to you.
  • We have strict policies and procedures in place to determine the identity of our customers and new customers when opening accounts.
  • We maintain digital records of your signature in order to confirm your identity for large cash withdrawals or any suspicious transactions.
  • Online account information is protected with a password, Secure Socket Layer (SSL) technology and multi-factor authentication. 

Be Proactive

Here’s steps you can take to protect yourself from identity thieves. 

  1. Obtain a copy of your credit report at least annually.  Credit reports contain information about you, including what accounts you have and your bill paying history.  The Fair and Accurate Credit Transactions Act (FACT Act) was established in 2005 to help reduce identity theft.  This law requires the three major nationwide consumer-reporting companies – Equifax, Experian, and TransUnion -  to give you a free copy of your credit report every 12 months if you ask for it. 

    Website               www.
    Phone                  1-877-322-8228
    Mail                       Print this form (pdf) and mail to:
                                  Annual Credit Report Request Service
                                  P.O. Box  105281
                                  Atlanta, GA  30348-5281 

  2. Opt-out of pre-approved credit card offers.  Take your name off mailing lists, telemarketing lists, and email lists.  You can contact 888-567-8688 or Click Here to opt-out of prescreened solicitation lists from all three nationwide credit reporting agencies.  Or contact each of the three national credit bureaus directly:

    Equifax                                                 Experian                                TransUnion
    PO Box 740123                                  701 Experian Pkwy              PO Box 97328
    Atlanta, GA  30374-0123                   PO Box 919                          Jackson, MS  39288-7328
    800-525-6285                                     Allen, TX  75013                  888-567-8688

  3. Place your residential phone numbers on the “National Do Not Call” registry by calling 888-382-1222 or Click Here. This free service is provided by the Federal Trade Commission and accepts both cell and home phone numbers.  You must call from the phone number you are registering.  If you have registered your number and you’re still receiving calls or Click Here to file a complaint.

  4. Reduce direct mail solicitation by listing addresses with:            
                    Direct Marketing Association
                    Mail Preference Service
                    PO Box 643
                    Carmel, NY  15012-0643
                    Click Here for residential addresses
                    Click Here for email addresses

  5. Review financial statements routinely and report any errors immediately.  Be alert to signs that require immediate attention: bills that do not arrive as expected, unexpected credit cards or account statements, unusual transactions appearing on financial statements, denials of credit for no apparent reason and calls or letters about purchases you did not make. 

  6. Never click on links sent in unsolicited emails; instead, type in a web address you know.  Use firewalls, anti-spyware, and anti-virus software to protect your home computer and keep them up-to-date. 

  7. Don’t use an obvious password like your birth date, your mother’s maiden name, consecutive numbers, or the last four digits of your Social Security number. 

  8. Pay attention to your mail.  Promptly remove mail from your mailbox after delivery.  Know billing cycles and when to expect payments.  Drop outgoing mail in postal collection boxes.  Ask the U. S. Postal Service for vacation hold when you’re away.  Take advantage of home banking services like online banking and online bill pay.  By using these services, you can avoid sensitive information left in your mailbox.

  9. Photocopy the important contents of your wallet or purse.  Having the account numbers and corresponding phone numbers handy make it easier to contact the companies right away.  Keep the photocopy in an easy to find, safe place. 

Protect Your Personal Information

Everyday you share personal information about yourself with others.  It’s so routine that you may not even realize you’re doing it.  You may write a check at the grocery store, charge tickets to a ball game, mail your tax returns, buy a gift online, schedule a doctor’s appointment or apply for a credit card.  Each transaction requires you to share your personal information. 
It’s important to find out what happens with that information you provide.  These organizations may use your information to simply process your order, tell you about products, services or to share it with others.  And then there are the unscrupulous individuals who want your information to commit fraud.  Consumers targeted by identity thieves usually don’t know they’ve been victimized.  But when the fraudsters fail to pay the bills or repay the loans, collection agencies begin pursuing the consumers to cover the debts they didn’t even know they had. 
At Iowa State Bank, we encourage you to make sure all your transactions are secure and your personal information is protected.  Here’s some tips to help you manage your personal information wisely and to minimize it’s misuse:

  • Shred all records containing personal information before you discard them. 
  • Protect your Social Security number.  Don’t carry your Social Security card in your wallet or write your Social Security number on a check. Give it out only if absolutely necessary. 
  • Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.  Shred it when you don’t need it anymore.  
  • Don’t give out personal information, including your bank account number, on the phone, through the mail, or over the Internet unless you’ve initiated the contact and you know whom you’re dealing with.  Before revealing personal information, find out how it will be used or shared with others.
  • Be mindful of organizations that have your personal information that may not guard it as closely as you’d like.  For example, family members, your children’s school, and civic or religious organizations.
  • Request your driver’s license and vehicle registration information not made available to anyone but law enforcement.
  • When writing checks to pay on your accounts, don’t put the full account number in the “memo” line.  Instead, put the last four numbers.  The company knows your account number and this way the people who process your payment don’t have access to the full number.
  • Limit personal information you have on printed checks.
  • Don’t let anyone swipe your Debit Card twice without giving you a transaction cancelled receipt for the first transaction.

If you are a victim

Defend against identity theft by reporting it as soon as you suspect it.

  • Close any accounts that have been tampered with or established fraudulently and open new ones.
  • Place a “Fraud Alert” on your credit reports with the three nationwide consumer-reporting companies.  The FACT Act established the National Fraud Alert System.  Consumers who suspect they have been victimized by identity theft can place an alert on their credit files.  This alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts.  An initial report stays on your credit report for 90 days.  An extended report stays on your credit report for 7 years. 
     Equifax  1-800-525-6285
     Experian   1-888-EXPERIAN (397-3742)
     TransUnion  1-800-680-7289
    Social Security  1-800-269-0271

  • File a police report with law enforcement in the jurisdiction where it was stolen.  This helps you with creditors who may want proof of the crime.
  • Report a missing driver’s license by calling the Iowa Department of Transportation, Motor Vehicle Enforcement at 515-237-3221.  They will check to see if an unauthorized license number has been issued in your name.  You will then need to obtain a new driver’s license. 
  • If the theft involved mail stolen from your mailbox or an unauthorized address change, contact your local office of the U. S Postal Inspection Service at 515-253-9060.
  • Notify the passport office to watch out for anyone ordering a passport in your name. 
  • Report the theft to the Federal Trade Commission.  Your report helps law enforcement officials across the country in their investigations. 
    Online                   Click Here
    Phone                   1-877-IDTHEFT (438-4338)
    Mail                        Identity Theft Clearinghouse
                                   Federal Trade Commission
                                   600 Pennsylvania Avenue
                                   Washington, DC  20580
  • Document the names and phone numbers of everyone you speak to regarding the incident.  Keep copies of all correspondence. 
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