Identity theft isn't something you dwell on, but you may be more
at risk than you think. Sandy Spring Bank uses a combination of
safeguards such as employee training, strict privacy policies, and
rigorous security standards to protect your information.
Use caution when giving out personal
information. Never give your credit card, Social Security, or any
other account number over the phone unless you initiate the call
and know to whom you're talking. Don't give out personal
information over the Internet, either, unless you entered the Web
address and are using a secure browser.
Leave important documents (such as your Social
Security card) and the majority of your credit cards at home. Be
sure to keep copies of what you do carry in your wallet or purse,
as well as a list of credit card companies to contact in case any
of your cards are stolen. Report lost or stolen checks or credit
Always keep your wallet secure. Don't leave it
in an unlocked car or the pocket of a coat you're not wearing.
Guard your mail and trash from theft:
- Don't mail bills from your mailbox.
- Keep an eye out for any missing mail.
- Shred receipts, bank statements and unused credit card offers
before throwing them away.
- Review your monthly bills and statements regularly for any
- Get off mailing lists. Pre-approved credit offers can do a lot
of harm. Remove your name from the marketing lists of the three
major credit bureaus by calling 1-888-5OPT-OUT
for more tips to protect yourself online. We also have valuable
information on protecting yourself from phishing and email scams here.
If you are a victim of identity theft:
1. Contact us at 1-800-399-5919 and press 2 for
our Client Service Center immediately if you suspect identity theft
or fraud involving any of your Sandy Spring Bank accounts.
2. Contact the Federal Trade Commission (FTC)
toll-free at 1-877-IDTHEFT (438-4338), visit www.consumer.gov/idtheft
and fill out a complaint form, or write to them at:
Identity Theft Clearinghouse Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, DC 20580
You can also download an "ID Theft Affadavit" from the FTC's Web
site. This will help you keep debts that you did not incur off of
your credit report.
3. Contact the three major credit bureaus and ask for a fraud alert
to be placed in your file at each. Then, follow-up with a letter.
This will tell those that pull your credit report to be careful
before opening or changing accounts in your name.
Here are some simple steps you can take to protect yourself:
Check your credit report annually. You can order a credit report
online at the three major credit bureaus:
4. Notify your bank, credit issuers and any other financial
institutions at which you have accounts. Ask to speak to someone in
the security or fraud department of each, and follow-up with a
5. File a police report with your local law enforcement, or with
the police in the area where the identity theft occurred. Ask for a
copy of the report for future reference.
How Not to Get Hooked
When Bad Things Happen to your Good Name
From The National Cyber Security Alliance
Take Charge: Fighting Back Against Identity