Monitor your account closely. If you suspect fraudulent activity or if something doesn’t look right, call us immediately at 877-294-3621.

Bank-Provided Protection

Identity Verification
We will verify your identity before opening an account, changing your address, or cashing checks.

Strong Encryption
We encode information so that only you can access it.

Secure Sign-on
Your online banking account is password-protected and hosted on a secure site to limit opportunities for potential identity theft.

Account Lock
Your online banking account will lock if a password is incorrectly entered too many times.

Time-out
After a period of inactivity, you will be automatically logged off of your online banking account to keep your information safe.

System Protections
Our website has firewalls and other security features to protect your information.

Additional Business Protection

ACH Debit Block
Block your account from all ACH debit postings so you don’t have to worry about unauthorized ACH transactions.

Multifactor Authentication
For your protection, we require an additional layer of multi-factor authentication for wire and ACH transactions.

How to Protect Yourself and Family

Familiarize Yourself with Information Security Best Practices and Advice

Be Aware of Identity Theft and Related Fraud
In 2024, the FTC received more than 1.1 million reports of identity theft and another 2.6 million reports of related fraud. Total losses were reported at more than $12.7 billion. While we’d all like to think it would never happen to us, it’s important to learn how to protect yourself from cybercriminals: 

  • Do not share information over the phone, via the mail, or over the internet unless you initiated the contact or know the person you are dealing with.
  • Be suspicious if someone contacts you asking for your personal information.
  • Only open emails from people and organizations you know and trust. Be cautious if something looks questionable. Clicking on unknown or suspicious links could allow the installation of malware on your device.
  • Don’t give out personal information in response to an unsolicited request.
  • Assume any offer that seems too good to be true, is probably fraud.
  • Shred old account statements and unused credit card offers.
  • Set up an online banking account for a secure way to review and monitor your account activity by using account alerts.
  • Sign up for eStatements through your online banking account for a secure way to receive confidential account information. Review statements and the authenticity of transactions. 

Be Aware of Elder Abuse
Financial abuse of seniors is a growing area of concern.There are steps you can take to help protect the seniors in your life. 

  • Talk about money: Maintain open lines of communication with elderly family members about their financial matters and discuss creating a financial plan to manage their affairs. 
  • Stay informed: Be aware of the common signs of financial exploitation, such as sudden changes in accounts, estate planning documents, or unexplained withdrawals or spending.
  • Report suspicions: If you suspect that an elderly person is being financially exploited, it's crucial to report it. You can contact local adult protective services, law enforcement, and financial institutions where they hold accounts.

 

Here’s how seniors can protect themselves.

  • Stay connected: Keep in touch with loved ones and remain active in your community to reduce isolation and vulnerability.
  • Plan for the challenges of aging: Be prepared to manage your money and financial assets as you get older by ensuring you have all of your documents organized.
  • Protect your personal information: Don't give out your Social Security, credit card, bank account numbers, or passwords over phone or email.

How to Protect Your Business

Protect Against Employee Fraud

  • Review and understand bank-supplied required controls
  • Limit administrative control of your accounts and responsibilities
  • Meet with your insurance agent to understand what cyber coverage is in place
  • Perform risk analysis of banking functions annually
  • Test systems to ensure they are secure
  • Consider using dedicated computers for banking activities
  • Manually monitor payment activities during periods of high volume
  • Monitor and review your accounts frequently
  • Follow strong password practices
  • Consider using personal, dedicated cellular MIFI cards for internet access if banking is done from portable devices
  • Turn on system audit and retain log files

 

Protect Against Debit Card and Credit Card Fraud

  • Keep your cards safe, treat them like cash or checks
  • Do not send card numbers via email
  • Only give out card numbers via phone if you initiated the call
  • Review account statements regularly and notify the card company immediately if you notice discrepancies
  • Destroy your old card immediately when you receive a new one or cancel your current card
  • Make internet purchases only on secure sites
  • Keep receipts in a secure location and dispose of them securely

How to Report Identity Theft or Fraud

Report Identity Theft to the Federal Trade Commission and Get a Recovery Plan

 

Contact Global Innovations Bank and Related Vendors Immediately
Dispute fraudulent charges and activity on your account by calling us at 877-294-3621 or stopping into the branch. You may need to close accounts that have been tampered with.

 

Place a Fraud Alert on Your Credit Report with One of the Major Credit Bureaus

  • Equifax®: 1-888-766-0008
  • Experian®: 1-888-397-3742
  • TransUnion®: 1-800-680-7289
  • Innovis®: 1-800-540-2505

Request to review your credit report for suspicious activity. A copy of your credit report is available free each year from annualcreditreport.com.

 

File a Report with the Local Police
When you file a police report regarding identity theft, make sure to get a copy of the police report or the report number.