Fraud and Identity Theft Protection

Capital City Bank is committed to ensuring that your personal information is secure and in helping you fight fraud and identity theft. We currently have substantial measures in place to protect you from identity theft and we continue to improve our technology systems in order to keep ahead of new scams and fraud.

In the coming months, Capital City Bank will be making changes to our Online Banking site. These changes will include new security procedures when you sign-in to use Online Banking to verify your identity. Currently you use a “user name and password” to access Online Banking. Capital City Bank will be instituting Multi-factor Authentication which is considered to be a more reliable and stronger fraud deterrent. This type of authentication uses several “factors” to confirm that it is you, and not someone who has stolen your identity, who is accessing your accounts online. Multi-factor authentication consists of verifying and validating the authenticity of an identity using more than one validation mechanism.

Generally this is accomplished by verifying:

• Something you are, in the form of identifying information.
• Something you have, for example a driver’s license, or a security token.
• Something you know, such as a password or pin number.

The first line of defense in protecting yourself from identity theft and fraud is awareness. In order to reduce the risk of identity theft:

• Use passwords on everything possible – Make sure it is difficult to decipher
• Secure personal information at home and work.  Use a shredder if possible
• Ask about security procedures at work, doctors and banks.
• Who has access
• How is it disposed of
• How it is secured
• Do not give out information unless you initiate the call or email
• Check for secure websites – https, padlock on browser
• Type in a company’s URL. Do not cut and paste
• Use a secure mailbox for outgoing mail.
• Shred everything, especially pre-approved credit offers, before throwing away
• Don’t carry your Social Security Card – keep secure.
• Do not have personal information such as your Social Security number or driver’s license number printed on your checks
• Do not leave your purse, wallet, checkbook, or any other forms of identification in your car
• Carry only cards and ID needed
• Never open email you do not recognize
• Use a current virus protection program on your computer
• Read website privacy policies

Understanding the types of online fraud scams is also important in protecting yourself.

Phishing and spoofing
“Phishing” (pronounced fishing) is a type of fraud where an e-mail asks you, often with a sense of urgency, to click a link to update or confirm your sensitive personal information, such as your account numbers, card numbers, Social Security/tax identification numbers, passwords, or PINs. The link goes to a fake or “spoof” website designed to look like a legitimate company.

Capital City Bank will never initiate a request for your personal account information in an e-mail or through a phone solicitation. If you call the bank we will ask you for information in order to verify your identity, but we will not call or e-mail you asking for verification of sensitive personal information.

Avoid spoofed websites
To protect yourself from going to a spoofed website, always type “www.capcitybank.com” into your browser when you login to Capital City Bank Online Banking, instead of clicking a link in an e-mail.

Malware

Malware is malicious software, including spam e-mails and viruses. They can take control of your computer, often without you even knowing it, and forward personal information, such as IDs, passwords, and account numbers to criminals.

You can make your computer safer by installing and updating regularly your

• Anti-virus software
• Anti-malware programs
• Firewalls on your computer
• Operating system patches and updates

For additional information regarding fraud and identity theft protection, or if you feel you may be a victim, there are resources available to assist you. The following link will take you to the FDIC web site, http://www.fdic.gov/consumers/consumer/guard/index.html. Or you may call Capital City Bank at 785-274-5600 or 800-431-7522 for further assistance.