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Iowa State Bank & Trust Company does not contact customers by mail, email, or telephone to request or verify security information. Any unsolicited request for ISB&T account information you may receive through email or by phone should be considered fraudulent and reported to ISB&T immediately.
Products and Services
Click on each of these images to find out more about how ISB&T can protect your identity.
FDIC Card Insurance Scam
The scam: People are receiving e-mails claiming to be from the FDIC offering Card Insurance that can restore customers up to $500 if they are a victim of internet fraud. When people click on the link, they are sent to a "spoofed" Web page requesting the user to enter personal information to receive the insurance.
The result: The personal information is used to steal the person's identity and gain access to the person's bank accounts.
Action step: If you receive this email, DO NOT access the link provided in the body of the e-mail and don't provide any personal information. Please report any similar attempts to the FDIC by emailing alert@fdic.gov.
Resources
Don't Be an Online Victim, multimedia presentation by the FDIC.
The following information is provided ot help you avoid some of the pitfalls used in popular fraud scams.
For information on how ISB&T protects your online activity, click here.
These sites contain a wealth of information to help you protect against or recover from fraud and identity theft. (These links will take you to websites that are not a part of the ISB&T website.)
Credit Agencies
You are entitled to one free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. You can request your free credit report on-line at www.annualcreditreport.com, by calling toll free (877) 322-8228.
Lost or Stolen Check Card?
Contact ISB&T at 319-356-5800 or 800-247-4418
During non-banking hours, contact Shazam at 800-383-8000
Data Compromise and ID Theft Risk
Unfortunately, data compromises involving large volumes of consumer identifying information are happening at an increasing rate. You may have even received a letter notifying you that your personal identifying information was compromised in one of the larger, widely known incidents involving the Veteran’s Administration, TJX Companies (TJX) and most recently
Certegy Check Services, Inc.
who provides check authorization services to U.S. retail merchants and casinos. Don’t panic if you receive such a letter; instead, take steps to reduce your risk of identity theft. Get a good understanding of what happened and what information was compromised. Then place a fraud alert on your credit bureau file. If detailed account information was involved, you may want to close your account – we can help you with this decision. And continually watch your accounts and credit reports closely for unauthorized activity.
Iowa State Bank & Trust Company is available to answer your questions and provide information on how you can protect your ISB&T accounts; contact us at 319-356-5823, toll free at 800-247-4418 or through our secure guestbook.
Links to Additional Information
These links will take you to websites that are not under the control of ISB&T. ISB&T is not responsible for the content, products or services of these sites. To return to the ISB&T website simply use your back button on your web browser.
5 Tips to Improving Your Credit Score
Tips from the Federal Reserve on how to improve your credit rating.
How to Deal with a Security Breach – This link to Privacy Rights Clearinghouse website has information that we think you will find helpful in understanding what a “Data Compromise” is and what you can do to protect your identity and your accounts.
Take Charge: Fighting Back Against Identity Theft – Detailed guide from the Federal Trade Commission with steps to take for Identity Theft victims.
Recent Data Compromises
Certegy Data Compromise (Press Release – announced 7/3/07)
You may receive a letter in the mail from Certegy containing the last 4-digits of your checking account or debit/credit card number with us or another financial institution. You may not know who Certegy is, how or why they would have your information.
Although the letter may identify an ISB&T account, ISB&T did not provide the information to Certegy as we do not use their check authorization services. The information was provided by a merchant or casino using these services to validate a personal check or debit/credit card that was presented to them.
Please read the Q&A prepared by Fidelity National Information Services, parent company for Certegy. You can also visit their site for more information: www.certegy.com. You may also call a special line that has been established at Certegy regarding the situation at 1-866-498-9916.
It is important that you look closely at your account statements regularly for unauthorized activity. You should also monitor your credit report by visiting www.annualcreditreport.com or calling 877-322-8228 for a free copy.
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