PREVENTING IDENTITY THEFT
- Pay attention to your statements.
- Do not give out personal information over the phone or through the mail or email unless you have initiated the contact.
- Safeguard or destroy (shred) personal information.
- When you make up your Personal Identification Number (PIN), do not use something a thief might guess (birth date, Social Security number, phone number, etc.).
- Order and review your credit report every year.
- Shop online only with trusted companies.
- Do not click on emails from unknown senders.
RECOGNIZING FRAUD
If you can answer YES to any of the following questions you may be the victim of fraud or identity theft.
- Have you been asked to wire funds to any other foreign country?
- Have you been asked to pay “upfront” money to receive a greater sum of money at a later date?
- Have you been informed via email or telephone that you were the winner in a lottery from a foreign country?
- Have you been offered to pay or commission to facilitate the transfer of money?
- If you recently sold an item over the Internet, is the amount of the check you received more than the selling price of the item? Were you asked to refund the difference? Is the check drawn on an individual or business different from the person buying your item or product?
- Have you been invited to participate in a “once in a lifetime” investment opportunity requiring a good-faith down payment?
- Have you received text messages to your cell phone appearing to be from your bank to solicit personal information related to reactivating your ATM card?
- Have you used your PIN at an ATM that has a suspicious device attached or appears otherwise modified or less than genuine?
To report any Suspicious Account Activity or Security Events, contact Community First at:
Community First Bank
Attn: Deposit Operations
PO Box 1097
Walhalla, SC 29691
(864) 364-6130
callcenter@c1stbank.com
To learn about online fraud, go to https://fraudwatchinternational.com/
OTHER INFORMATION
For consumer mortgage loan information requests or reporting suspected errors, please write:
Community First Bank
Attn: Loan Administration
PO Box 1097
Walhalla, SC 29691
For Community Reinvestment Act (CRA) comments, please write:
Community First Bank
Attn: CRA Officer
PO Box 1097
Walhalla, SC 29691
REGULATION E – CONSUMER ACCOUNTS ONLY
The Consumer Financial Protection Bureau is the governing agency that regulates electronic fund transfers under Regulation E. This regulation provides certain consumer protections for your demand accounts as long as you report any unauthorized activity in accordance to the following guidelines:
- You will have $50 liability for unauthorized transfers reported within two (2) business days of learning of the loss or theft of an access device.
- Notification after two (2) business days increases your maximum amount of liability to $500 U.S.
- If you do not tell us within 60 days after the account statement was sent or made available, you could be liable for the full amount of any amount you lost after the 60 days.
