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Identity Theft

By understanding exactly what identity theft is, how it happens, and how it affects you, you will be better able to prevent and, if necessary, resolve identity theft.

In general, identity theft is more extensive than fraud, which is usually limited to an isolated attempt to steal money from an existing account. Fraud and identity theft can be easily confused so we recommend that you review not only this page, but also Fake Emails and Web Sites and Fraudulent Pop-up Windows, so you can confirm that you are addressing the appropriate issue.

What is identity theft?

Identity theft occurs when someone illegally obtains your personal information – such as your Social Security number, bank account number, or other identification – and uses it repeatedly to open new accounts or initiate transactions in your name. For example, someone might do a combination of the following: open new credit cards, open new bank accounts, forge checks, and even apply for loans using your name and personal information. This can cause financial loss and damage your credit, which can lead to a lengthy resolution process.

How can I help protect myself?

  • Do not open or respond to online solicitations for personal information. Cumberland Federal Bank will never send email containing attachments, or require customers to send personal information via email or pop-up windows.
  • Carry only necessary identification. In particular, do not carry your Social Security card.
  • When a Social Security number is requested to sign up for a service, confirm that it is actually needed rather than some other identifier.
  • Make photocopies of all the information you carry daily and store it in a secure location like a safety deposit box.
  • Shred financial or personal documents before discarding. Most fraud and identity theft incidences happen as a result of mail and garbage theft.
  • Always put outgoing mail in a U.S. Postal Service mailbox, which is more secure than your home mailbox.
  • Collect your mail promptly each day.
  • Use passwords on all accounts and your PC that are difficult to guess – and don’t use the same password for everything. Don’t use passwords that relate to family names, birthdates, your SSN, addresses, or your job.
  • Do not keep passwords on you, and don’t write such information on debit or ATM cards.
  • Don’t give private information to anyone unless you are positive who the person is and they have a legitimate need to know.
  • Never lend your password to anyone – you will probably be responsible for everything that results.
  • Do not give out personal data over the phone, through the mail, or on the Internet unless you have initiated the contact.
  • Periodically check your credit report to see if there are loans or credit cards outstanding that you don’t know about.
  • Do not allow your credit card out of your sight when paying for products or services.

Sources for Assistance

The Federal Trade Commission (FTC) is the Federal government’s primary agency for dealing with identity theft matters. They operate a hotline devoted only to identity theft. The toll-free number is 1-877-IDTHEFT (438-4338). FTC Website is http://www.ftc.gov.

 

 CFB Mobile Banking

Cumberland Federal Bank's Mobile App is here!  Just access your online banking for additional details.  Cumberland Federal Bank’s App is safe and secure, allowing you to manage your accounts on the go. Now you can view account history, make balance inquiries, transfer funds, on your phone, on your tablet, on your schedule!

Our Mobile Banking App has two unique features that you won't find on our traditional online banking platform: Mobile Deposit Capture and Popmoney transfers. These two new features make banking with Cumberland Federal Bank even easier wherever you may be!

Mobile Deposit Capture gives you with a fast, convenient, secure, and easy way to deposit checks without the need of visiting our office. It’s as easy as taking a picture with your phone or tablet. Just tap, snap, and deposit!

With Popmoney, you now can send money to anyone, anywhere, anytime, simply by sending a text or email. This new service allows you to avoid exchanging sensitive account information in order to send funds to friends, family, or acquaintances, which can be especially troubling given the level of fraud occurring today. Instead, the recipient receives a link that will take them to a secure environment to enter their own information and receive the funds. All transactions are safe and secure! This means your information and the recipient’s information will remain confidential.

 

** ATTENTION **

Bill Payment Customers

On June 4th, Cumberland Federal Bank

will be launching a new and enhanced version

of our consumer bill payment service.  The new

service will offer many new benefits and features

including better cash flow control and the ability to

accept electronic bills.  The history of your payments

& payees will not be converted to the updated

system.  Please go to your current payment history

listing and print off any history you think you may

need before June 1st.  Follow this Bill Payment History

link for additional information.