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Last Update:
February 20, 2010
5:22am PT

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A Word About Security

ID Theft   |   Victims   |   Agencies That Help   |   More Resources

The Problem of Identity Theft

Some 500,000 to 700,000 10,000,000 Americans a year are at risk of having their identities stolen, according to goverrnment and private sector estimates (updated 2007). Identity theft occurs when someone steals your personal infomation and uses it to establish credit, borrow money, charge items or even commit crimes in your name.

While the incidence of Internet identity theft is growing, fraud experts agree that you still are more likely to become a victim of this federal crime by more traditional means, such as improperly discarding credit card or other financial data. Here are some tips on how to avoid becoming an ID theft victim and what to do should you be stung by one of these thieves.

Protect Your Identity

  • Never respond to unsolicited requests for your social security number (SSN) or financial data
     
  • Before discarding, shred credit card, ATM receipts and any pre-approved credit offers you have received but do not plan to use.
     
  • Check all credit card and bank statements for accuracy.
     
  • Avoid easy to figure out access and personal identification numbers (PINs).
     
  • Obtain a copy of your credit report yearly and check it for accuracy.
     
  • Use only secure Web sites when making online purchases. Addresses of secure pages begin with "https" instead of the standard "http" and should display a locked padlock icon somewhere on your browser.
     
  • Pay for online purchases with a credit card to assure you get what you paid for and to limit your liability.
     
  • Safeguard your social security number (SSN), and check Earnings and Benefit Statements annually for fraudulent use.
     

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit:
http://www.fdic.gov/deposit/deposits/unlimited/expiration.html


Lost or stolen Visa® Check Card, call
(209) 956-7000 Monday-Friday 9am-5pm or
1-800-754-4128 after hours.

For other important telephone numbers, click here.


Community Bank of San Joaquin


Main Office
22 West Yokuts Avenue
Stockton, CA 95207-5715 [
map]
209-956-7000
 


Waterloo Office
4426 East Waterloo Road
Stockton, CA 95215-2306 [
map]
209-373-4300

Services Available:
Administration, Branch, Loans,
Full-Service Drive-Up, ATM* and
Night Depository*
 

Services Available:
Branch, Loans, ATM* and
Night Depository*
 

Lobby Hours:
Monday-Friday 9am-5pm
Saturday 9am-12noon
and By Appointment
 

Lobby Hours:
Monday-Friday 9am-5pm
 and By Appointment

Drive-Up Hours:
Monday-Thursday 9am-5pm
Friday 9am-6pm
Saturday 9am-12noon
 

 

*This service available 24 hours a day.

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12.5.2013