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Identity Theft & Fraud

Protecting Your Confidential Information

Alliance Bank Central Texas takes the security of your personal and financial information seriously. We work with industry leading security firms to safeguard your financial information, as well as, protect your identity. However, there are ways beyond our control that can compromise your information.

We urge you to learn more about these problems and take measures to protect yourself.

Financial Regulatory sites such as the Federal Reserve and FDIC have information available about protecting your account. Read detailed information about fraudulent scams and what you can do to help prevent it on the Federal Trade Commission’s Identity Theft website.

Phishing Scams

The term “phishing” – as in fishing for confidential information – is a scam that encompasses fraudulently obtaining and using an individual’s personal or financial information.

In one example, the consumer receives an e-mail requesting personal or financial information; the e-mail appears to originate from a financial institution, government agency or other entity. The email will contain a link that appears to be the Web site of the financial institution, government agency or other entity; however, in “phishing” scams, the link is not to an official Web site, but rather to a phony Web site used to collect your information.

Once inside that Web site, the consumer may be asked to provide personal information – such as Social Security numbers, account numbers, passwords or other information used to identify the consumer. When the consumer provides the information, those initiating the fraud can begin to access consumer accounts or assume the person’s identity to obtain fraudulent loans or open credit accounts.

As a reminder, Alliance Bank Central Texas will never request any personal information via an email or phone call.

I’m a Victim of Identity Theft – What Should I Do?

If you suspect that your personal or financial information has been compromised, contact Alliance Bank Central Texas customer service department immediately. We can assist you in the following steps:

  1. Close any accounts that may have been tampered with or opened fraudulently.

  2. Place a fraud alert on your credit report with one of the three major credit bureaus. Also request to review your credit report for suspicious activity. A copy of your credit report is available free each year from www.annualcreditreport.com.

Equifax®: 1-888-766-0008

Experian®: 1-888-397-3742

TransUnion®: 1-800-680-7289

  1. File a complaint with the Federal Trade Commission at www.ftc.gov.

  2. File a report with local police.