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Have you checked your credit lately? As part of our ongoing effort against identity theft, The Stock Exchange Bank recommends that you periodically check your credit. As permitted by the FACT Act, free annual credit reports are being phased in across the country. Persons living in Oklahoma will be eligible beginning June 1, 2005. After September 1, 2005, all U.S. consumers will be eligible to request a free report. Annualcreditreport.com is the only authorized source where you can access your credit report online for free. The FTC cautions not to contact the credit reporting companies directly for your report. It is only free through the web site, the toll-free number (1-877-322-8228) or by mailing a standardized form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Protect Your Identity
Identity theft can ruin your reputation and claim your savings - before you even know it. Studies show approximately 1 in 5 families in the U.S. fall victims of identity theft. For less than $5 per month, Equifax Credit WatchTM helps protect you from identity theft.

Equifax Credit Watch
Receive notification when changes happen to your credit profile. This can be an early warning of identity theft or inaccuracies. Prices start at $4.95 - $9.95 per month.

Take These Simple Precautions to Protect Your Information
Did you know…Most victims do not learn about theft of their identity until 14 months after it has occurred?

  • Be cautious when providing personal information such as Social Security numbers, account numbers, or credit card information over the telephone, in person or on the Internet. Don't give out this information unless you are sure who you are dealing with. 
  • Review your monthly account statements thoroughly. Investigate suspicious items immediately to minimize any possible fraud before it occurs.
  • Memorize your PIN (Personal Identification Number) and refrain from writing it, your Social Security number or credit card number on a check. 
  • Report lost or stolen checks, credit or debit cards immediately. The Stock Exchange Bank will block payment on checks and account numbers involved. 
    Call 1(800) 622-7747 or 1(800) 847-2911 MasterCard/Visa. 
    Lost or Stolen Stock Exchange Bank CheckCard call 1(877) 656-3314 or 1(580) 256-3314.
  • Store cancelled checks, new checks and account statements in a safe place in your home.
  • Review your credit report at least once every year. Make sure all information is up-to-date and accurate. Check your Credit.
  • Keep your mail secure, retrieve and review your mail promptly. Thieves may use the personal information contained in your mail to steal your identity.
If you do not receive your regular bills when expected, call the company to find out why.

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Protect Your Credit Card Information from Falling Into the Wrong Hands

  • Sign Credit Card Panel - Sign the signature panel on your credit cards as soon as you receive them and keep duplicates in a safe place.
  • Check statements - Verify that your monthly statement reflects the amount you authorized. Also, watch for multiple charges.
  • Memorize your PIN - Don't carry your PIN (Personal Identification Number). Memorize it or keep the number at home for reference.
  • Verify your card - Be sure your credit card is returned after a purchase, and that it is indeed your card.
  • Save your receipts - Check them against your monthly billing or account statements to make sure you can identify all of your transactions. Report any unauthorized transactions immediately. After you have reconciled your billing statements, tear up all receipts and discard them at home.
  • Keep it out of sight - Never leave your purse or wallet unattended and always keep your cards out of plain sight.
  • Never lend your card - Your credit card is your responsibility. Periodically check to make sure you have all your cards, including those seldom used.
  • Report a lost or stolen card immediately - No matter where you are, report lost or stolen cards to minimize loss and liability. Call 1(800) 622-7747 or 1(800) 847-2911 MasterCard/Visa. Lost or Stolen Stock Exchange Bank CheckCard call 1(580) 256-3314 or 1(877) 656-3314.
  • Check statements and watch your charges - Be cautious when giving your card number over the phone. Verify that your monthly statement reflects the amount you authorized. Also, watch for multiple charges.

     

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