Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

In some cases, identification will be requested for current account holders if original documentation was not obtained with the opening of the account. We ask for your understanding as we work to support these efforts to maintain the security of your funds and our country.

How To Guard Against Identity Theft

1. Remove mail promptly from your mailbox. Never use your mailbox for outgoing mail. Identity thieves raid mailboxes for credit card offers and statements.
2. Guard your social security number. Do not give out your PIN or credit card numbers over the phone unless you initiated the transaction.
3. Be very careful with receipts. Make sure you have them when you leave the store or ATM and do not throw them into public trash cans.
4. Review your credit report from time to time. The major credit bureaus are: Equifax: 800-685-1111 (www.equifax.com), Experian: 888-397-3742 (www.experian.com), Trans Union: 800-888-4213 (www.tuc.com).
5. Destroy pre-approved credit card offers before you throw them out.
6. Account for all new checkbooks when you receive them in the mail.
7. Block your ATM transaction with your body and prevent someone from learning your PIN.
8. Commit all passwords and PIN numbers to memory so no one can see them in writing.

Help Keep Online Transactions Secure

1. Avoid sending sensitive information, such as account numbers, through UNSECURED e-mail.
2. Passwords or PIN numbers should be used when accessing an account online.
3. General security over your personal computer such as virus protection and physical access controls should be used and updated regularly.

What To Do If You Are a Victim

1. Close your accounts and create passwords for any new accounts.
2. Request both a "fraud alert" with the three major credit bureaus and that no new credit be granted without your approval.
3. Contact 1-877-FTC-HELP or visit www.ftc.gov to file a complaint or seek assistance.