The Bank at Broadmoor is committed to the protection of your financial and personal information. These days, however, fraud is prevalent and no one can be assured of being immune.
How Can You Protect Yourself?
- Carefully review all bills and account statements. Pay close attention to your statement and billing cycles. If they have not arrived, notify your institution, or sign up for electronic statements through your institution.
- DO NOT GIVE OUT your personal information over the phone, through the mail or over the internet unless you initiated the contact. Make sure you know who you are doing business with over the phone or internet. If you have any doubts, try to verify their legitimacy through independently obtained sources. Beware of a caller trying to verify your 3 digit security number on the back of your credit cards unless you initiated the transaction.
- DO NOT respond to unknown e-mails; use virus detection software provided by a reputable vendor. Schedule regular scans of your computer in addition to real-time scanning.
- Keep a copy of the contents of your wallet in a separate location; this is a good reference in the event your wallet is stolen. Keep your purse or wallet in a safe place at work. Secure your personal information in your home. Guard your mail and trash from theft. Always shred statements with any personal information on them.
- Keep Social Security numbers, passwords and PIN numbers secure. Change passwords and PIN numbers occasionally. Never allow anyone to use them.
- Pay your bills electronically or mail payments from a post office mailbox. Avoid overflowing mailboxes as criminals have been known to reach inside and pull out mail. Do not leave incoming mail in you mailbox for an extended period of time.
- Cancel all unused credit accounts and review your credit report annually.
GENERAL PC SECURITY
- Update your software frequently to ensure you have the latest security patches. This includes your computer's operating system and other installed software (IE-Web browsers, Adobe, Java, etc.)
- Automate software updates, when the software supports it.
- Maintain active and up-to-date antivirus protection. Schedule regular scans of your computer in addition to real-time scanning.
- If you suspect your computer is infected with malware, discontinue using it for banking, shopping, or other activities involving sensitive information. Use security software to find and remove malware.
- Use firewalls on your local network to add another layer of protection for all the devices that connect through the firewall (IE-PCs, smartphones, and tablets).
- Require a password to gain access. Log off or lock your computer when not in use.
- Use a cable lock to physically secure laptops when these devices are stored in an untrusted location.
GENERAL ONLINE SECURITY
- Never click on suspicious links in emails, tweets, posts, or online advertising. Links can take you to a different website than their labels indicate. Typing an address in your browser instead of clicking on a link in an email is a safer alternative.
- Only give sensitive information to websites using encryption so your information is protected as it travels across the internet. Verify the web address begins with "https://" (the "s" is for secure) rather than just "http://." Some browsers also display a closed padlock.
- Do not trust sites with certificate warnings or errors. These messages could be caused by your connection being intercepted or the web server misrepresenting its identity.
- Avoid using public computers or public wireless access points for online banking and other activities involving sensitive information.
- Always "sign out" or "log off" of password protected websites when finished to prevent unauthorized access. Simply closing the browser window may not actually end your session.
- Be cautious of unsolicited phone calls, emails, or texts directing you to a website or requesting sensitive information.
FOR YOUR PERSONAL SECURITY, THE BANK AT BROADMOOR WILL NOT ASK FOR ANY OF YOUR SECURITY INFORMATION OR PASSWORDS. PLEASE KEEP YOUR PERSONAL INFORMATION SECURE FROM UNSOLICITED PARTIES TO HELP PROTECT YOUR IDENTITY.
What to do if You Become a Victim
• Notify The Bank at Broadmoor immediately at (719) 633-2695 to report any suspected fraud or via e-mail at www.bankatbroadmoor.com. The Bank at Broadmoor can close all affected accounts and cancel cards as soon as we are informed in order to protect your credit. In addition, you should contact all creditors, file a report with your local police department, and file a complaint with the Federal Trade Commission (www.ftc.gov) or 1-877-IDTHEFT.
• Contact the fraud departments of the three major credit bureaus to place a "fraud alert" on your reports:
Equifax, www.equifax.com or 1-800-525-6285
Experian, www.experian.com or 1-888-EXPERIAN
Trans Union, www.transunion.com or 1-800-680-7289
• Contact the three major credit bureaus to order a copy of your free credit report (one per year):
Equifax, www.equifax.com or 1-800-685-1111
Experian, www.experian.com or 1-888-EXPERIAN
Trans Union, www.transunion.com or 1-800-888-4213
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