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Security

To report a lost or stolen debit card, call: 1 (888) 456-LAKE (5253)

 
 
Physical Network Controls
We are constantly acquiring new technology to strengthen the security of our data servers and communication channels to protect our customer's information.
 
Staff Training
We provide training in-house and at specialized conferences for our staff throughout the year to learn about current threats and defensive practices.
Don’t share your secrets.
Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.
 
Shred sensitive papers.
Shred receipts, banks statements and unused credit card offers before throwing them away.

Keep an eye out for missing mail.
Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Also, don’t mail bills from your own mailbox with the flag up.

Use online banking to protect yourself.
Monitor your financial accounts regularly for fraudulent transactions.
 
Monitor your credit report.
Order a free copy of your credit report every four months from one of the three credit reporting agencies at annualcreditreport.com.
 
Protect your computer.
Make sure the antivirus protection software on your computer is active and up to date. A firewall can filter the information coming through the Internet connection into your computer. When conducting business online use encryption, do this by making sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure. Never leave your computer unattended while logged on to the online banking system. Click Log out when you are finished using the system to properly end your session.
 
Protect your mobile device.
Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially for senders you don’t know.

Report any suspected fraud to your bank immediately.
Call your bank and credit card issuers immediately so they can close your accounts. To report a lost or stolen debit card call 1 (888) 456-LAKE (5253).

Contact the fraud unit of the three credit reporting agencies. Place a fraud alert on your credit report and consider placing a credit freeze so the criminal can’t open new accounts. The fraud unit numbers are:

Equafax (800) 525-6285
Experian (888) 397-3742
TransUnion (800) 680-7289

Report the fraud to the Federal Trade Commission at: consumer.gov/idtheft or call 1-877-IDTHEFT (1-877-438-4338).


File a police report.
Make sure to maintain a log of all the contacts you make with authorities regarding the matter. Write down names, titles and phone numbers in case you need to re-contact them or refer to them in future correspondence.

For more advice, visit the FTC’s website at: consumer.gov/idtheft

As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility.  For your own safety, be careful.  The following suggestions may be helpful. 

  1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility.
  2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts.  Don’t leave them at the ATM or night deposit facility because they may contain important account information.
  3. Compare your records with the account statements you receive.
  4. Don’t lend your ATM/debit card to anyone.
  5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility.
  6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM/debit card as though it were cash.  Don’t tell anyone your PIN.  Don’t give anyone information regarding your ATM/debit card or PIN over the telephone.  Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner.  Don’t write your PIN where it can be discovered.  For example, don’t keep a note of your PIN in your wallet or purse.
  7. Prevent others from seeing you enter your PIN by using your body to shield their view.
  8. If you lose your ATM/debit card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.
  9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset.  At night, be sure that the facility (including the parking area and walkways) is well lighted.  Consider having someone accompany you when you use the facility, especially after sunset.  If you observe any problem, go to another ATM or night deposit facility.
  10. Don’t accept assistance for anyone you don’t know when using an ATM or night deposit facility.
  11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming later.
  12. Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surroundings.
  13. At a drive-up facility, make sure all the car doors are locked and all the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.
  14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility.  For instance, let us know if a light is not working or there is any damage to a facility.  Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.