ID Theft Protection
We want to help you guard against unauthorized use of your account and identity theft.
Preventing Identity Theft
Ohio Valley Financial Group does not contact customers via email, phone or mail to request or verify security information about passwords or personal identification numbers (PINs). Our employees may only access your information for legitimate business purposes and are trained to respect your privacy and safeguard your personal information. We continue to modify privacy procedures, both physical and electronic, to protect your nonpublic personal information.
Tips for Preventing Identity Theft:
- Do not share your NetTeller Identification Number or PIN with anyone. If you feel that someone is compromising your online information, please contact Ohio Valley Financial Group immediately.
- Beware of fraudulent emails or websites that appear to be from Ohio Valley Financial Group or other legitimate sites. Posing as a trusted site to gain your personal information is known as "phishing.” Never click on unverified links in emails, pop-up ads or on other unknown sites. These emails and links may ask for personal information or redirect you to illegitimate sites that look like Ohio Valley Financial Group's site or appear to have the URL address in the browser address bar. Always type www.ohiovalleyfg.com directly into the browser address bar.
- Keep a list of all credit card and other account information, complete with expiration dates and telephone numbers of the institutions that issue the card or maintain the accounts. In this manner, you can notify the appropriate institutions promptly in the event you become an identity theft victim.
- Keep you security software current. This includes updating virus, firewall, browser and spyware software with the latest virus definitions, security patches or releases.
- Do not use email to transmit confidential or personal information.
- Never use the "save ID and password" option in your browser.
- Beware of incoming phone calls from "imposters" who ask you to disclose information by pretending to be fraud investigators or customer service agents calling with an urgent problem about your account.
- Carry a minimum of credit cards with you at all times. Keep credit cards that are not on your person in a safe, locked place. Do not carry your Social Security card, passport or birth certificate with you.
- Always keep the PIN associated with any card separate from the card itself. Do not select a PIN that can easily be guessed by someone who has other identifying information about you, such as birth date or Social Security number.
- Do not lend your credit, debit or ATM card to others. Do not reveal your PIN to others. If someone asks you for a loan you are willing to make, withdraw the funds yourself rather than provide the other person with your access device and PIN.
- Whenever possible, keep your credit card or debit card in sight when making a purchase rather than allow the sales clerk to take the card to another area.
- Keep copies of your credit card or debit card slips only until you have received the statement that reflects the transaction. Always tear slips into several pieces before discarding them.
- Always tear up applications and credit card offers, such as "pre-approved credit" offers that you receive before discarding them.
- Always review credit card bills and bank statements immediately on receipt. Inform the bank or credit card issuer of any unauthorized transactions.
- Notify your bank if you haven't received a bank statement or credit card bill when expected. If the bank tells you that the statement or bill has been sent to another address, inform the bank (Ohio Valley Financial Group customer service personnel at 270.831.1589) that you did not authorize the change and obtain copies of the missing statement or bills. Examine the copies for unauthorized transactions.
- Never provide your bank account, credit card, Social Security number or other personal information to unsolicited callers.
- Do not respond to emails or telephone calls that indicate you must re-enter personal information on a Web site in order to verify your information. Instead, call the purported sender of the email to confirm they really need the information. Do not call a telephone number on the email without confirming that it is the correct email of the firm you are attempting to contact.
- Do not put Social Security numbers on resumes, especially on resumes you post on Internet employment sites.
- Keep passwords to online sites with which you do business in a safe and locked place.
- Be alert when entering a PIN at an ATM or point-of-sale (POS) terminal to any person who may be trying to discover which numbers you are entering on the keypad.
- Periodically obtain a copy of your credit report from a credit reporting agency. The credit report will indicate whether any inquiries have been made about your credit. If you do not recognize the name of the person or firm making the inquiry, that may be an indication of an attempt to obtain information by a person whom you did not authorize to obtain it. If the report indicates that credit was extended by someone whose name you do not recognize, that may be an indication that someone has successfully stolen your identity. Notify the credit reporting agency of any attempt to open a credit account in your name without your authority.
- Notify your bank immediately (Ohio Valley Financial Group 270.831.1589) on learning of the loss or theft of any credit card, debit card, ATM card or any other information that could be used to provide access to one of your accounts.
- Consider registering with the major credit reporting agencies for a program they operate in connection with the Federal Trade Commission. That program permits consumers to "opt-out" of receiving offers for certain types of "pre-approved credit card" offers. The telephone number to opt out is 888.5OPT.OUT, or 888.567.8688. Consumers may exercise the opt-out right for a short or long term. Those who select the long-term option will have to send a letter confirming their choice.