Depending on the type of check you deposit, your funds may not be available until the second (2nd) business day after your deposit.  In certain instances, your funds may not be available until the seventh (7th) business day after your deposit.

(Change due to change in Federal Reg CC)

Identity Theft Prevention Tips

According to the National Crime Prevention Council, 43% of all identity thefts are committed by someone the victim knows. All a thief needs is your Social Security number. Identity theft is relatively easy to commit, but investigating & prosecuting it is complex & time-consuming.

Identity theft is committed in several ways:

  • Stealing credit card payments & other outgoing mail from mailboxes.
  • Digging through garbage cans/dumpsters for find cancelled checks, bank statements, credit card statements, etc.
  • Hacking into personal computers & stealing personal data.
  • Filing a change of address form in the victim’s name to divert mail to gather personal & financial data.

Ways to protect yourself:

  • Treat your Social Security number as confidential information.
  • Purchase a personal shredder & use it at home rather than simply throwing away copies of checks, bank statements, credit card statements, etc.
  • NEVER write down passwords & change them frequently. Also, avoid using “common” passwords & establishing a “pattern” of password(s).
  • When using an ATM, make sure no one is hovering over you to see you enter your PIN.
  • Offers/Giveaways that are “too good to be true” may very well be the case –be careful & attentive when giving personal information out.