- Don’t carry your Social Security number, memorize it and keep the card at home
- Watch for the timely arrival of monthly bills and statements in the mail
- Mail your bills inside the post office, rather than using a mailbox near the street
- Don’t share your account numbers over the phone or anywhere others can hear you
- Keep your eye on your credit card at all times while making purchases – a dishonest clerk may distract you and swipe it through a second scanner that records your information
- Keep track of all credit card receipts and shred any you don’t need
- Shred any unneeded documents that contain bar codes, account numbers or other sensitive data
- Monitor your credit report annually
If you would like more information on Identity Theft and how to protect yourself, you can do the following:
- View our Identity Theft Solutions Flyer
- Visit any one of our Central Valley Community Bank Office locations to pick up the Federal Trade Commission's "Taking Charge - What To Do If Your Identity Is Stolen" Packet or the "Identity Theft: What To Know, What To Do" Brochure
- Visit the Federal Trade Commission's Identity Theft site
- Visit On Guard Online to learn more about protecting yourself against Internet fraud
- Business and local government agencies can find cyber security resources at US - Cert.
- Get your free annual credit report from each of the three nationwide reporting companies at www.annualcreditreport.com or by calling 1-877-322-8228.
Identity Theft Prevention - Simple Steps For Protecting Your Identity video
Learn more about computer security and online scams can find additional information at FDIC - Don't Be An Online Victim
Identity Theft Tips For Your Business video
How to protect your Business?
At Central Valley Community Bank we take your banking security seriously, so we want to share some online banking guidance. Small businesses are frequently targeted by fraudsters because they often have fewer resources to protect their information.
To learn more about ways to better protect your business click here.
Contact the Federal Trade Commission Complaint Assistant
Customer Service 1-800-554-8969
To better serve legitimate Internet Banking customers, Central Valley Community Bank collects generic information about visitors to our website. This information includes the date and time of access, the Internet service provider's address, referring site information, the web browsers used, and the operating systems used. Again, this is generic information for our monitoring purposes, and cannot be traced to a specific user or machine.
Central Valley Community Bank requires customers to utilize specific passwords for access to confidential and private information. Central Valley Community Bank reminds customers of their responsibility to safeguard login IDs and passwords. In addition, commercial customers should carefully screen those employees to whom user IDs and passwords are granted.
Central Valley Community Bank utilizes encryption, firewall, router, third party verification procedures and other security software and hardware to help prevent unauthorized eavesdropping of and access to customers' confidential and private information.
Central Valley Community Bank utilizes virus protection software to help prevent the spread of computer viruses.
Central Valley Community Bank utilizes "cookies" to help authenticate our customers' identities and to help facilitate the exchange of information between Central Valley Community Bank systems and our customers' systems.
Central Valley Community Bank reminds all of its customers that links in the institution's websites can be found to websites not under our control. These websites will not necessarily comply with Central Valley Community Bank's "Privacy Principles" and security standards.
Central Valley Community Bank reminds all of its customers that confidential and private information may be compromised in both traditional and non-traditional banking activities. Central Valley Community Bank can only establish policies and procedures to help restrict use of and access to confidential and private information. If any Central Valley Community Bank customer believes that confidential and private information has been compromised, please contact Central Valley Community Bank immediately so that the potential breach can be investigated.
No doubt about it, online technology has made the world better connected and more efficient than ever. But it has also given birth to a wide range of cybercrimes including identity theft. As a result, you may be wondering: how safe is Online Banking at Central Valley Community Bank?
The answer: extremely. Central Valley Community Bank takes online security very seriously, and we are constantly adopting and updating our security measures to ensure the highest levels of safety and protection for our customers.
Identity theft continues to be one of the fastest growing crimes in the United States, and has ranked as one of the top consumer concerns for the past several years. The Federal Deposit Insurance Corporation (FDIC) has produced a multimedia presentation to help consumers protect themselves from identity theft. The presentation provides information on steps consumers should take to secure their computer and protect themselves from identity theft, as well as actions consumers should take if they become a victim of identity theft. View Video
Protect Yourself When Online
Spam e-mail or pop-up messages can appear to be from a legitimate source and deceive you into disclosing your personal information, passwords or financial information. Protecting your security is a commitment Central Valley Community Bank takes very seriously. For a step-by-step guide to preventing, detecting and responding to identity theft, click here. If you have additional questions or need assistance, please contact our Customer Service Department at (800) 298-1775 or email us at firstname.lastname@example.org.
As one of Central Valley Community Bank’s valued customers, your security and satisfaction are extremely important to us. Always remember to take extra precautions with your personal information when online. While most online retailers have measures in place to prevent identity theft, the single most effective way to ensure your privacy and security is to be alert and cautious when making online transactions. Protecting your security is a commitment Central Valley Community Bank takes very seriously. If you have additional questions or need assistance, please contact our Customer Service Department at (800) 298-1775 or email us at email@example.com.
Identity Theft occurs when someone uses your personal information, such as name, Social Security number, credit card number, without permission to commit fraud or other crimes. Below are some tips to help protect yourself from Identity Theft:
- Shred your personal documents
- Limit the amount of data you share about yourself
- Use strong passwords for all of your online accounts
- Install Antivirus and Antispyware software on your computer
- Closely monitor your bank statements
For more information on Identity Theft, tips and resources, click here.
Phishing is a high-tech scam that uses spam email or pop-up messages that appear to be from a legitimate source, and deceive you into disclosing your Social Security number, bank account information, credit card numbers, passwords, or other sensitive information. Phishing emails or pop-up messages are sent claiming to be from a business or organization that you associate with like your bank, Internet service provider, online payment service, or a government agency. Although they can be difficult to spot, the phishing emails usually ask you to click a link back to a fraudulent website to provide, update or confirm your personal information.
Central Valley Community Bank will never advise a customer via email. If you are uncertain of any email that you receive, which appears to be sent from, or on behalf of, Central Valley Community Bank, please contact our Customer Service Department at (800) 298-1775. You may provide a copy of the wording to Customer Service, but please delete any sensitive data.
Vishing is also known as "voice phishing," vishing attacks attempt for you to provide personally identifiable information either over the phone or by using the phones Internet browser. Vishing schemes involving a phone call are often directed to an automated "bank" greeting that prompts the caller to provide credit card or bank numbers.
Central Valley Community Bank will never request your debit card number over the phone but will use methods to verify and substantiate your ownership. All of our calls to customers will be identified as Central Valley Community Bank. If you receive a call requesting your debit card number or any other personal banking information, please contact Customer Service at (800) 298-1775.
ATM Skimming is a method used by criminals where they install wireless devises, called card skimmers to capture data from the magnetic stripe on the back of an ATM card. Devises used are small and often fastened in close proximity to, or over the top of the ATM’s factory-installed card reader.
The best way to protect yourself against ATM Skimming is to make sure your credit or debit card stays in sight whenever possible. Limiting the amount of time your card is unattended in someone else’s possession (i.e. waiter, salesperson, etc.) will reduce the risk of ATM Skimming. Since this is not always possible, pay close attention to your card statements and make sure there are no unauthorized charges. If a card-reading machine looks tampered with or altered, use caution and alert the management of the establishment. If you find that you may have been a victim of ATM Skimming, please call our Customer Service Department as soon as possible at (800) 298-1775.
Many forged emails will ask you to supply, confirm or update personal information by clicking a link in the email. The link will connect you to a web page or login that appears to belong to the company mentioned, but it is merely a “spoofed” site that is illegitimate. The spoof may be a pop-up window or an embedded image over the actual site. The goal of the criminals is to get you to enter your personal data so they can steal your information.
Central Valley Community Bank will never ask you for personal or sensitive information via email. We advise our customers to never reply to or open any attachments from unsolicited emails. We also advise to never respond to emails requesting your password, login or any financial information. If you have provided sensitive information online or feel that you have been a victim of spoofing/pharming, please contact our Customer Service Department at (800) 298-1775.
Card cracking is a form of fraud where consumers respond to an online solicitation for "easy money" and provide a debit card for withdrawal of fake check deposits.
The best way to protect yourself from Card Cracking is to never respond to online solicitations that request your card number, PIN number or any of your account information. If you see any suspicious solicitations online, report them immediately to the website administrator and contact our Customer Service Department at (800) 298-1775.