Consider this your Fraud Info HQ – you can learn about fraud, ID theft and phishing scams that are happening around the country.
Visit FDIC Consumer Alerts Page for the most up-to-date notifications in our industry.
MidWestOne Bank has partnered with SHAZAM to help protect you from unauthorized use of your Debit Card. The SHAZAM R.A.D.A.R service will help guard your card against fraudulent activity. If a suspicious transaction is detected, you will be contacted by someone at MidWestOne Bank, or a SHAZAM fraud specialist calling on our behalf, to verify the transaction. For more information, please visit the Shazam website.
Falcon™ Fraud Manager helps identify and reduce fraud risk by detecting potentially fraudulent Debit Card transactions. It reviews activity based on transaction data and cardholder profile factors, which could be affected while traveling. Suspect activity may result in a temporary block until cardholder activity can be verified.
Mastercard Secure code provides additional security when making online transactions. This can help stop fraudulent purchases before they occur. This is a great program for consumers and retailers alike. For more information, visit the Mastercard Securecode website.
The Fair and Accurate Credit Transaction (FACT) Act allows you to receive one free copy of your credit report every 12 months from each of the three nationwide credit reporting agencies – that’s three free reports each year!
The national credit reporting agencies – Equifax, Experian and Trans Union – must provide a single point of contact so you can get reports from all three national credit reporting agencies with a single Internet request, telephone call or mail form. Free annual credit reports are available to all consumers through the Federal Trade Commission (FTC).
You have the option to order all three free credit reports at the same time, which allows you to compare the information in each report, or you can choose to order your free reports at different times throughout a 12-month period.
To get your free annual credit report, go through the FTC’s website at www.AnnualCreditReport.com call (877) 322-8228 or write: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA, 30348-5281. Keep in mind that www.AnnualCreditReport.com is the only authorized source to get your free annual credit report under federal law.
The National Do Not Call Registry gives you a choice about whether to receive telemarketing calls at home. Most telemarketers should not call your number once it has been on the registry for 31 days. If they do, you can file a complaint with the registry. You can register your home or mobile phone for free.