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Identity Theft

Identity Theft

Identity theft is when someone obtains essential information about you (i.e. your social security number, date of birth, and mother's maiden name) without your knowledge or permission and uses it to open credit card accounts, loans and even mortgages in your name.

Bank of Gravett will never send you an email asking you for your Online Banking credentials. In addition, Bank of Gravett will never send you an unsolicited request that you send us an email containing your personal or financial information.

How to protect yourself:

Make your User ID and Password as secure as possible. (Create strong passwords that are at least 10-12 characters long and include a combination of capital and lowercase letters, digits, and special characters. Don’t make them predictable.)

  • Remember to change your password often.
  • Don't send sensitive information via e-mail. Never e–mail your password, account number, social security number or other sensitive information to anyone.
  • Never leave your computer unattended. Complete your banking tasks and end your web sessions by always signing off.
  • Be careful how much personal information you post online. When visiting social networks, remember that sharing information like your birth date, phone number, e-mail address, location and photos can put your identity at risk.
  • Memorize PINs and passwords when possible.
  • Bank of Gravett will never email you asking for personal information. 

How to spot identity theft:

Identity theft can occur even if you've been very careful with your personal information. Some signs of identity theft may include:

  • Noticing errors or unfamiliar transactions on your bank and/or credit card accounts.
  • Failing to receive bills or other mail.
  • Receiving cards or billing statements on accounts for which you did not apply, or for medical services you did not receive.
  • Receiving calls from debt collectors or companies about merchandise or services you didn't buy.

The following recommendations will help safeguard your information:


  • Give personal information on the phone, Internet, via email or text; unless you know with whom you are dealing.
  • Click on links sent in unsolicited emails or texts.
  • Use obvious passwords, such as birth dates children’s names or mother’s maiden name.
  • Do not disclose your PIN to anyone.
  • Do not over share on Social Media.


  • Keep your PIN numbers secure; never carry pin numbers and passwords with you.
  • Keep your anti-virus and anti-spyware software up to date.
  • Shred all financial documents and paperwork before discarding them.
  • Protect your SSN. Only give it out if absolutely necessary.
  • Keep your personal information in a secure place at your home.
  • Monitor your financial statements regularly and notify the bank of suspicious activity.
  • Monitor your credit report regularly for unauthorized purchases or debts.

For a Free Copy of Your Credit Report

Contact one of these reputable companies who offer a free copy of your credit report:

  • Equifax® call (800) 525-6285 or visit
  • Experian® call (888) 397-3742 or visit
  • TransUnion® call (800) 680-7289 or visit

If you think you may be a victim, you can obtain a copy of your credit report from each of the three major credit reporting agencies*. If it's accurate and includes only those activities you've authorized, chances are your identity wasn't stolen.

For steps to take if your identity has been stolen:

NOTE:  Make sure Bank of Gravett has your current contact information so we can reach you if fraudulent activity is suspected on your account(s). 

*Contact information for the 3 major credit reporting agencies: