Centra Bank

How We Protect Your Information

At Centra Bank, we understand how important it is to protect your personal and financial information. That’s why we have in place physical, electronic and procedural safeguards that meet federal standards.

Within Centra Bank, we educate our employees about the importance of confidentiality and privacy, and we continually train them in related policies and procedures.

Due to the unique nature of Internet transactions, Centra Bank has additional safeguards and procedures in place to protect your personal and financial information on the Internet. Our institution uses many lines of defense, such as encryption, automatic sign-off and firewalls to protect your account information. Even with these special safeguards, occurrences of identity theft, Phishing schemes, and other types of fraud are increasingly reported.

Steps You Should Take to Protect Yourself
We want to make sure you are aware of the dangers of identity theft. Identity theft occurs when criminals find a way to steal your personal or other identifying information to access your accounts, open new accounts, apply for credit in your name, make purchases, and commit other fraud-related crimes.

The best defense against identity theft is knowledge. The following tips and information will help you prevent identity theft:

Instead of signing debit and credit cards, write “Check ID” on the back immediately after they arrive.

Track credit, debit and ATM receipts and never throw them in a public trash bin.

Keep an eye on your debit or credit card until the merchant completes your transaction, and make sure you get your card back.

Do not keep passwords or ATM PINs in your wallet, purse, desk or organizer.

Report lost or stolen checks or ATM, debit and credit cards immediately. Review new checks to make sure none were stolen in transit. Be aware of the expiration date on your debit or credit card; if you do not receive a reissued card before the expiration date, notify customer service.

Monitor your transactions for unauthorized use. Centra Bank’s Online Banking makes it easy to review your transactions online daily.

Check your credit reports. Centra Bank recommends that you periodically check your credit report. You can obtain a copy of your credit report at any time from one of the three major credit bureaus:

  Equifax: (800) 685-1111
  Experian: (888) 397-3742
  TransUnion: (800) 916-8800

Pay attention to your billing and account statement cycles. If regular bills or statements stop reaching you, take action. Call our customer service number. Someone may have filed a false change-of-address notice to divert your mail.

Guard your mail from theft. Deposit outgoing mail in post office collection boxes or at your local post office rather than in an unsecured mailbox. Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at (800) 275-8777 to request a vacation hold.

Be alert for email hoaxes and suspicious phone inquiries. These may appear to come from a trusted business or friend, but actually are designed to trick you into providing sensitive information, downloading a virus or jumping to a fraudulent Web site.

Don't provide personal or financial information to anyone unless you initiated the contact. Unless you initiated the contact, Centra Bank will not request your personal information (account number, Social Security Number, or mother's maiden name) through email, U.S. mail, or by phone. Please notify us immediately if you receive odd calls or emails claiming to come from Centra Bank. Be especially wary of those requesting account information to "award a prize" or "verify a statement."

Protect your Social Security Number. Don't list it on your checks or carry your Social Security Number card unless you need it. Give your Social Security Number only when absolutely necessary. Ask to use other types of identifiers when possible.

Shred unnecessary financial documents, including old bank statements, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them.

Choose unique passwords to access your accounts online. Don't use any part of your Social Security number, birth date, middle name, names of spouses, children or pets, consecutive numbers or anything else that a thief could easily discover. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Use both letters and numbers. Do not share your IDs or passwords with anyone.

Do not send sensitive personal or financial information unless it is encrypted on a secure Web site. Encryption scrambles the information being sent over the Internet so others cannot intercept and capture your information. Look for the padlock or key icon at the bottom of your browser, and make sure the Internet address begins with "https." This signals that your information is secure during transmission.

Stay up-to-date with types of fraud schemes. Utilize resources, such as the FTC to learn more about the various types of fraud schemes. Read “How Not to Get Hooked by the ‘Phishing’ Scam,” July 2003 and FTC, ID Theft: When Bad Things Happen to Your Good Name September 2002

If you believe you have been a victim of fraud related to your Centra Bank accounts, notify us immediately, so that we can take action to help you. You should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC). You can reach the FTC at 1-877-438-4338 or at http://www.ssa.gov/pubs/idtheft.htm.

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Online Banking 24-Hour Access Account Login Need to enroll in online banking? Click Here Try Our DirectNet Online Banking Demo Learn How To Protect Your Identity Click Here Read Our Privacy Disclosure Click Here Reorder Your Checks Online 24-Hour CentraLine Telephone Banking 1-877-598-2012	How We Protect Your Information At Centra Bank, we understand how important it is to protect your personal and financial information. That’s why we have in place physical, electronic and procedural safeguards that meet federal standards. Within Centra Bank, we educate our employees about the importance of confidentiality and privacy, and we continually train them in related policies and procedures. Due to the unique nature of Internet transactions, Centra Bank has additional safeguards and procedures in place to protect your personal and financial information on the Internet. Our institution uses many lines of defense, such as encryption, automatic sign-off and firewalls to protect your account information. Even with these special safeguards, occurrences of identity theft, Phishing schemes, and other types of fraud are increasingly reported. Steps You Should Take to Protect Yourself We want to make sure you are aware of the dangers of identity theft. Identity theft occurs when criminals find a way to steal your personal or other identifying information to access your accounts, open new accounts, apply for credit in your name, make purchases, and commit other fraud-related crimes. The best defense against identity theft is knowledge. The following tips and information will help you prevent identity theft: Instead of signing debit and credit cards, write “Check ID” on the back immediately after they arrive. Track credit, debit and ATM receipts and never throw them in a public trash bin. Keep an eye on your debit or credit card until the merchant completes your transaction, and make sure you get your card back. Do not keep passwords or ATM PINs in your wallet, purse, desk or organizer. Report lost or stolen checks or ATM, debit and credit cards immediately. Review new checks to make sure none were stolen in transit. Be aware of the expiration date on your debit or credit card; if you do not receive a reissued card before the expiration date, notify customer service. Monitor your transactions for unauthorized use. Centra Bank’s Online Banking makes it easy to review your transactions online daily. Check your credit reports. Centra Bank recommends that you periodically check your credit report. You can obtain a copy of your credit report at any time from one of the three major credit bureaus: Equifax: (800) 685-1111 Experian: (888) 397-3742 TransUnion: (800) 916-8800 Pay attention to your billing and account statement cycles. If regular bills or statements stop reaching you, take action. Call our customer service number. Someone may have filed a false change-of-address notice to divert your mail. Guard your mail from theft. Deposit outgoing mail in post office collection boxes or at your local post office rather than in an unsecured mailbox. Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at (800) 275-8777 to request a vacation hold. Be alert for email hoaxes and suspicious phone inquiries. These may appear to come from a trusted business or friend, but actually are designed to trick you into providing sensitive information, downloading a virus or jumping to a fraudulent Web site. Don't provide personal or financial information to anyone unless you initiated the contact. Unless you initiated the contact, Centra Bank will not request your personal information (account number, Social Security Number, or mother's maiden name) through email, U.S. mail, or by phone. Please notify us immediately if you receive odd calls or emails claiming to come from Centra Bank. Be especially wary of those requesting account information to "award a prize" or "verify a statement." Protect your Social Security Number. Don't list it on your checks or carry your Social Security Number card unless you need it. Give your Social Security Number only when absolutely necessary. Ask to use other types of identifiers when possible. Shred unnecessary financial documents, including old bank statements, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. Choose unique passwords to access your accounts online. Don't use any part of your Social Security number, birth date, middle name, names of spouses, children or pets, consecutive numbers or anything else that a thief could easily discover. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Use both letters and numbers. Do not share your IDs or passwords with anyone. Do not send sensitive personal or financial information unless it is encrypted on a secure Web site. Encryption scrambles the information being sent over the Internet so others cannot intercept and capture your information. Look for the padlock or key icon at the bottom of your browser, and make sure the Internet address begins with "https." This signals that your information is secure during transmission. Stay up-to-date with types of fraud schemes. Utilize resources, such as the FTC to learn more about the various types of fraud schemes. Read “How Not to Get Hooked by the ‘Phishing’ Scam,” July 2003 and FTC, ID Theft: When Bad Things Happen to Your Good Name September 2002 If you believe you have been a victim of fraud related to your Centra Bank accounts, notify us immediately, so that we can take action to help you. You should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC). You can reach the FTC at 1-877-438-4338 or at http://www.ssa.gov/pubs/idtheft.htm.

	©2006 Centra Bank