Borrowing Basics

Advice for Protecting Your Identity

"According to First National Bank, with recent high-profile data thefts, protecting your identity has been top of mind for many. The following tips from the Federal Trade Commission will help you safeguard your personal information and your credit history as well as provide steps to take if your information has been compromised.

• Safeguard your personal information offline: Lock your financial documents in a safe deposit box or a lock box in your home. Limit what you carry in your purse or wallet and always leave your Social Security card at home. Shred any financial documents, credit card or account statements, or insurance forms that are no longer needed. When possible, sign up for online statements. First National offers online statements to allow you to quickly and securely view your information.
• Secure your information online: Be aware of any spam emails or other types of online message that may lead to an infringement of your privacy and theft of your personal data. Do not give out any personal information over the phone or through email unless you are 100% positive of who is on the other side. Keep your passwords private and do not share personal details on social networks. Information shared publicly can help identity thieves to gain access to your accounts.
• Keep your devices secure: Use anti-virus software, anti-spyware software and set up a firewall to protect your device and personal information from being compromised. Always lock your laptop or device when finished using and do not save any automatic passwords or logins in your browser. Be aware of any information you are accessing over a public wireless network if it’s not secure and make sure websites you visit are encrypted.
• Monitor your financial accounts and credit report: Check your online banking and other financial accounts on a regular basis to look for any suspicious or non-authorized transactions. Sign up for credit monitoring services to be sure you are aware of any inquiries or dramatic changes to your credit score. First National's Credit Card now helps you keep tabs on your FICO® 8 Bankcard Score. Just by logging in every month, you can view your FICO® Score 24/7 online and discover what Key Score Factors have affected your FICO® Score."