Protect yourself from fraud scams
PlainsCapital Bank will never ask for your personal or financial information – like account numbers or passwords – through unsolicited emails or pop-up windows. The only time PlainsCapital Bank would ask for personal information is to verify you if you contact the bank via phone. These actions are taken to make sure we are speaking to the correct person and to protect your financial information.
Most identity theft and bank fraud
- You did not receive an expected bill or statement by mail.
- Unexpected charges occurred on your account.
- Checks post to your account that
areout of sequence from your current range.
- You find a new account on your credit report that you do not recognize.
- You receive a new credit card that you did not apply for.
- You are denied credit or offered less than favorable credit terms for no reason.
- You get calls from creditors or debt collectors regarding merchandise or services that you did not buy.
Other advice to protect yourself from fraud:
- Do not send confidential information of any kind by email unless it is encrypted.
- Never give your confidential information to someone who calls you unsolicited.
- Change your passwords often. Even if the website does not require it, it is a good practice to change your passwords at least every six months.
- Never disclose your login credentials to other people or companies.
- Do not store your ID and Password information where others could have access to it. It is best not to write the information down at all.
- Do not use public computers and open wireless networks for sensitive online transactions. Wi-Fi spots in airports, hotels, coffee shops, and other public places can be convenient but they are often not secure and can leave you at risk. If you are accessing the Internet through an unsecured network, you should be aware that malicious individuals might be able to eavesdrop on your connection. This could allow them to steal your login credentials, financial information, or other sensitive information. Any public Wi-Fi should be considered unsecured.
- Install anti-virus and firewall software on your personal computer and keep it up to date. Be cautious about offers for “free” anti-virus software, and make sure you get your software from a highly reputable company.
- Don’t print your driver’s license, phone number, or Social Security number on your checks.
- Store your new and canceled checks in a safe place.
- Do not make a deposit of a check you were not expecting or that is for the wrong amount, especially if you are asked to wire the funds out directly after the deposit. You are responsible for any item deposited into your account. If the company or person providing the check is not well known to you, it would be best to wait for the check to have time to be collected from the bank it is drawn on. This could take several days depending on where the issuing bank is located.
- Don’t put outgoing mail in your mailbox. Drop it into a US Postal Service collection box. Thieves could use your mail to steal your identity or obtain your account information for fraud.
- Don’t open an email attachment, even if it appears to be
froma friend or co-worker,unless you’re expecting it or are absolutely sure you know what it contains. Watch out for email subject lines or emails containing only a generic message such as “check this out” or “thought you’d be interested in this.” Call your friend to make sure they sent the email before you open the attachment or click on any links in the message.
- Shred any unwanted financial offers you receive in the mail, instead of throwing them away, so thieves cannot use them to steal your identity. You should also destroy any other financial papers, such as bank statements, canceled checks, tax returns, or invoices before getting rid of them.
- Don’t reply to an email, phone call or text message that does any of these things:
- Threatens to close or suspend your account if you don’t take immediate action.
- Tells you your account has been compromised, and then asks you to give your personal information or account information. If the call was from the bank, they would already have your account information.
- Ask you to provide your personal information directly in the email or on a website the emails
sendsto you to.
- If you are ever concerned about an email, phone call or text message you receive that is reporting to be from PlainsCapital Bank, do not respond to the message and contact the bank at a known number, not the number provided on the message.
You can request a free annual credit report from each of the three national credit reporting agencies, whether or not you suspect any fraudulent activity. You should review these reports carefully to ensure they are correct. Most victims do not know they are a victim of identity theft for an average of 14 months. The longer the fraud takes place, the larger the risk of loss and the more time it takes to clear up the fraud.
You can request a report by directly contacting each of the agencies below. If you are a victim of ID Theft, they can also talk to you about setting up fraud alerts to notify you of any new request for credit.
- Equifax: 1.800.525.6285
- Experian: 1.888.397.3742
- TransUnion: 1.800.680.7289