Online Banking

Customer Awareness

Consumer Protection tips you should know from Commercial Banking Company:

  • We will not ask for account numbers and other sensitive personal information by email.
  • If you have responded to a suspicious email, contact us immediately so we can protect your account(s) and your identity.
  • Never give out your personal or financial information in response to an unsolicited phone call, fax or email, no matter how official it may seem.
  • Do not respond to emails that may warn of dire consequences unless you validate your information immediately.
  • Check your bank and credit card statements regularly and look for unauthorized transactions, even small ones. Report discrepancies immediately.
  • When submitting financial information online, look for the padlock or key icon at the bottom of your internet browser. Most secure internet addresses, though not all, use "https".

DETER - DETECT - DEFEND

Avoid 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.

Deter identity theft by safeguarding your information.

  • Shred all financial documents.
  • Protect your Social Security number.
  • Do not give out personal information by phone, mail or email unless you know who you are dealing with.
  • Never click on links sent in unsolicited emails.
  • Don’t use an obvious password.
  • Keep personal information in a secure place.

Detect suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention:

  • Bills that do not arrive as expected.
  • Unexpected credit cards or account statements that you receive.
  • Denials of credit for no apparent reason.
  • Calls or letters about purchases you did not make.
  • Charges on your financial statements that you don’t recognize.
  • Inspect your credit report at least annually.

Defend against identity theft as soon as you suspect it.

  • Place a fraud alert on your credit reports and review the reports carefully.
  • Experian 1-888-397-3742
  • TransUnion 1-800-680-7289
  • Equifax 1-800-525-6285
  • Contact the security or fraud departments of each company where an account was opened or charged without your okay.
  • File a police report with local law enforcement.
  • Report identity theft to the Federal Trade Commission, 1-877-438-4338 or www.ftc.gov/idtheft

Common ways identity theft happens:

  • Dumpster diving, looking for bills or personal information
  • Skimming, using a special storage device to steal your debit/credit card numbers when processing your card.
  • Phishing, pretending to be your financial institution or a government agency by sending emails or pop up messages to get you to reveal your personal information.
  • Hacking, getting into your email or other online accounts to access your personal information.
  • Old Fashioned Stealing, stealing wallets, purses, mail or other records to gain your personal information.

Additional resources are available through the Federal Trade Commission, www.ftc.gov/idtheft or by calling 1-877-438-4338.