Protecting Our Customers from Identity Theft: How CCB Keeps You Safe

At CCB, we take security seriously because your safety is our priority. We understand the growing risks in today’s digital world, where identity theft has become more prevalent than ever. With over 1.4 million identity theft cases reported to the Federal Trade Commission (FTC) in recent years, protecting your personal and financial information has never been more critical. That’s why at CCB, “Where Community Counts” isn’t just a motto—it’s a guiding principle that informs how we protect you.

What Is Identity Theft and Its Warning Signs?

Identity theft happens when someone uses your personal or financial information without your permission. This can include things like your name, address, Social Security number, or even your bank account details. Often, people don’t realize they’ve been victims of identity theft until damage is already done. At CCB, we help our customers recognize the warning signs of identity theft, which can include:

  • Receiving bills for items you didn’t purchase
  • Debt collection calls for accounts you didn’t open
  • New accounts or loans appearing on your credit report
  • Denial of credit or loans you applied for
  • Missing mail that might contain sensitive information

Steps to Recover from Identity Theft

If you’ve been a victim of identity theft, you’re not alone—and CCB is here to support you. The first step in recovering from identity theft is to act quickly to minimize the damage. Here’s how you can start:

  • Step 1: Contact the Companies Where Fraud Occurred
    • Immediately contact your bank or any company where the fraud happened. Ask them to freeze or close your accounts to prevent further unauthorized charges. Be sure to change all relevant passwords, PINs, and logins to secure your accounts.
  • Step 2: Place a Fraud Alert on Your Credit Reports
    • Adding a fraud alert ensures that any new credit applications under your name are verified with you first. This alert lasts for a year and can be renewed. You can initiate this process by contacting one of the three major credit bureaus (Experian, TransUnion, or Equifax), and they will notify the other two on your behalf. You should also request a free credit report from AnnualCreditReport.com to check for any unauthorized activity.
  • Step 3: Report Identity Theft to the FTC
    •  By reporting identity theft to the FTC, you’ll receive a personalized recovery plan. Visit IdentityTheft.gov to file your report and access resources to help you move forward.

CCB’s Role in Keeping You Safe

At CCB, our secure banking systems help protect against identity theft and fraud. Our digital platforms utilize multi-factor authentication and encryption to ensure your information is safe. Additionally, we monitor suspicious activity to help catch fraud before it escalates.

We also offer resources on our CCB website to help you remain vigilant. Here are some tips to protect yourself from identity theft:

  • Be cautious with personal information:
    •  Never reveal sensitive details like your Social Security number or credit card information via email or text.
  • Avoid suspicious links:
    • Don’t click on links in unsolicited emails or messages—they could lead to scam websites.
  • Check website security:
    • Ensure the site you’re sharing information on uses secure protocols (look for “http” in the URL).
  • Monitor your accounts regularly:
    • Keep an eye on your transactions and report any unusual activity to your bank immediately.

Community Protection Starts with Us

At CCB, we’re more than just a bank—we’re your partner in safety. By embracing our philosophy of “Where Community Counts,” we strive to build secure, trustworthy relationships with our customers. Our commitment to security ensures that while you focus on your life, we work to keep your finances safe.

If you suspect any suspicious activity or need assistance with protecting your accounts, don’t hesitate to reach out to CCB. Contact us today or stop by one of our local branches for guidance and support.

With CCB, you can count on us to help you stay safe, informed, and protected—because at CCB, community safety truly counts.