Identity Theft Protection
Safeguarding Your Information
At Mountain Pacific Bank, the security of customer information is a priority. We are strongly committed to the safety and confidentiality of your records. Every day, scammers are busy developing new tactics to target the unsuspecting public. One of the best ways to avoid fraud is to become an educated consumer.
- Please keep in mind that we will never ask for your online banking password in person, over the phone, or via email. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your online banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.
- Always use your pre-established links to access websites and avoid clicking on links in unsolicited e-mails. If you ever receive a suspicious e-mail representing itself as Mountain Pacific Bank, please forward the message in its entirety to info@mp.bank.
- Ensure that your own personal computer has updated anti-virus and firewall protections. Apply security patches for all of your programs and operating systems regularly.
- Passwords should be unique to you and changed regularly. Do not use birthdays or other numbers or words that may be easy for others to guess. Never write down your password or give it to another person.
- Monitor your account activity frequently using our free Online and Mobile Banking services.
- Sign up for free electronic statements (e-statements) to avoid having your paper statement sitting in an unsecure mailbox where it could be compromised.
- Set up free security and balance alerts through online banking to be notified via phone, e-mail and/or SMS text message when there is login activity or changes in your expected balance.
- Set up a personalized phishing phrase if you use bill pay services so that you always know when you are on our secure website.
Please keep in mind that we will never ask for your online banking password in person, over the phone, or via email. We may on occasion call to verify other information regarding your online activity should we see something of concern in your login patterns. If you plan to travel and use your online banking or debit card, it is very helpful to call us in advance to avoid your account being temporarily disabled for security purposes.
Steps to Protect Your Identity
Take action immediately to help protect yourself if you are a victim of identity theft.
Step 1: Contact the Credit Bureau
- Contact one of the three major credit reporting agencies as soon as possible.
- Experian.com/help
888.397.3742 - TransUnion.Com/credit-help
800.916.8800 - Equifax.com/personal/credit-report-services
800.685.1111
- Experian.com/help
- Request a free copy of your credit report from www.annualcreditreport.com and dispute any fraudulent items.
- Place a fraud alert or credit freeze on your credit.A fraud alert informs creditors of possible fraud activity within your credit report and notifies them to take extra precautions, such as calling you directly, when verifying a credit application. An initial fraud alert lasts for one year. To place a fraud alert on your credit report, contact any of the three credit reporting agencies identified above. A credit freeze will prevent new lenders from viewing your credit report without your consent. A credit freeze will stay on your credit report until you choose to remove it.
Step 2: Contact the Debit Bureau
- Contact ChexSystems to identify if any other bank accounts have been opened in your name.
Call their identity theft line at 800.513.7125, option 6, or visit www.chexsystems.com. - Place an identity theft alert on your file and request a copy for your records.
- Contact the financial institution(s) and let them know the accounts have been opened in your name fraudulently.
Retain your records. Keep any notes, copies of emails, physical documents, etc. as you go through these steps. This will help if you ever need to reference identity issues or inaccuracies on your credit history in the future.
We encourage you to review our Privacy, Security & Fraud Prevention link which can be found at the bottom of any page of our website. If at any time you have questions regarding security or possible fraud, please contact our customer service representatives at 425.263.3500 or via e-mail at info@mp.bank.
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