Western Bank
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Consumer Protection

Be smart with your passwords

  • Change passwords regularly for sites that have a lot of personal information, financial details, and private data
  • Make different passwords for different accounts. That way, if one account is compromised, it will only be that one
  • Make sure your password is at least eight characters long and contains:
    • Both uppercase and lowercase letters
    • Numbers
    • Symbols
  • Make sure your password doesn't contain your:
    • Real name
    • Username
    • Any other personally identifying information
  • Download apps that help you remember passwords
  • Attach your mobile device to your passwords, so mobile permission is needed to access your account from a new source

Keep an eye on your online accounts

  • If you see something suspicious, report it immediately to the website. Contact your bank if you discover a fraudulent charge on one of your financial accounts. In most cases, the charge can be reversed and your account can be frozen

What we’re doing to keep you safe

  • Substantial measures are in place to protect your identity against theft and fraud:
    • Internal Confidentiality - Access to nonpublic information about you is limited to employees. No one else
    • Employee Training - We train and test our employees on handling sensitive and confidential information and protecting you against fraud and identity theft
    • Online Security - We ensure your Internet banking transactions are secure. How do we do it?
      • A password-controlled system entry
      • a Geotrust-issued Digital ID for the bank's server
      • Secure Sockets Layer (TLS) protocol for data encryption
      • A router loaded with a firewall to regulate the inflow and outflow of server traffic
      • Robust anti-spyware, anti-malware, and security software
    • Privacy Policies - Our Privacy Policy protects your personal and financial information, and these policies are stringent and strictly enforced

What to Do If Your Identity Has Been Compromised

If you become an identity-theft victim, you can take action. To ensure the best possible protection - don't wait. Take the following steps immediately:

  • Go to the FTC website or stop by or call the bank to receive an ID Theft Affidavit Form. This will help you in documenting your information
  • Contact the three national consumer reporting agencies. Ask each agency to place a "fraud alert" on your credit report and send you a copy of your credit file. When you have completed your affidavit packet, you may want to send them a copy to help them investigate the disputed accounts

Contact the fraud department at each creditor, bank, or utility/service that provided the identity thief with unauthorized credit, goods or services. Find out if the company accepts this affidavit, and whether they require notarization or a copy of the police report

Contact your local police department. Ask the officer to take a report and give you the report number or a copy of the report. Give your police department a copy to help them add to their report and verify the crime

Contact the FTC, which maintains the Identity Theft Data Clearinghouse - the federal government's centralized identity theft complaint database - and provides information to identity theft victims. You can call toll-free 1-877-ID-THEFT (1-877-438-4338), visit https://www.identitytheft.gov/ or send mail to:

  • Identity Theft Data Clearinghouse
    • Federal Trade Commission
    • 600 Pennsylvania Avenue, NW
    • Washington, DC 20580

Note: The FTC collects complaints from identity theft victims and shares their information with law enforcement nationwide. This information also may be shared with other government agencies, consumer reporting agencies, and companies where the fraud was perpetrated to help resolve identity theft related problems

If you believe someone may have used your SSN fraudulently, you will need to contact and complete forms for the IRS. To aid victims whose Social Security number has been compromised the IRS has a Taxpayer Guide to Identity Theft. Please click here to access the guide

Elder Abuse

Financial elder abuse is the theft or embezzlement of money or any other property from an elder. It can be as simple as taking money from a wallet and as complicated as manipulating a victim into turning over property to an abuser. Click Click here to learn more

Extra Tips

Before you give personal information, ask your bank, doctor's office, other businesses and your employer how they will use and protect your personal information

Never carry your Social Security card or number, birth certificate or passport unless necessary. Report lost or stolen checks immediately. Review new deliveries of checks to make sure none have been stolen in transit

Do not have your Social Security number or driver's license number printed on your checks

  • Never give identifying information over the phone or Internet to someone you don't know, and never give it over a cordless or cellular phone
  • Shred financial solicitations or financial statements before disposing of them
  • Deposit your mail into a secure, official Postal Service collection box
  • If regular bills fail to reach you, call the company to find out why. Someone may have filed a false change-of-address notice to divert your mail and steal your identity
  • Do not use your mother's maiden name or other common information, such as a phone number, birth dates, etc., as passwords
  • Keep a list of credit card and bank account numbers, expiration dates and phone numbers in a safe place
  • Never leave your purse or billfold unattended (for example, in your car, motel room, etc.)
  • Protect all PINs and passwords. Change them often. Use a combination of lower- and uppercase letters and numbers
  • Use virus protection software
  • Do not open attachments or links from unknown senders
  • Get a copy of your credit report every year. A law (The Fair and Accurate Credit Transactions Act, or FACT Act) requires each of the three credit reporting companies to provide you a free copy of your credit report, at your request, once every 12 months. You can get your report at www.annualcreditreport.com or call 877-322-8228

Additional Websites and Information on Identity Theft & Fraud

These websites contain more information on securing sensitive data and protecting yourself or your business from identity theft and fraud. If you have any questions, please contact our bank Security Officer.