Identify Theft

Safeguarding your identity. Not to mention your money.

It's no secret that identity theft is the fastest-growing crime in the U.S. Below, we have outlined tips to help you recognize and prevent threats to your information security, as well as what to do if identity theft unfortunately occurs.

If you suspect fraudulent activity related to your accounts, please contact us immediately at or call 800.555.5455.

     Tips to Prevent Identity Theft


  • Errors, unexplained activity, or transactions you did not initiate appearing on:
    • Bank, credit card or other account statements
    • Online or Mobile Banking
    • Explanation of benefits documents provided by your health insurance
  • Regular bill and account statements don't arrive on time - or at all
  • Businesses turn down your checks
  • You are turned down unexpectedly for a loan or job
  • You receive unexplained or unwarranted communications, including:
    • Bills or collection notices for products or services you did not order
    • Calls from debt collectors about debts that don't belong to you
    • A notice from the IRS that someone used your Social Security Number
    • Mail, email or calls about accounts or jobs in your minor child's name that you did not authorize
    • Unwarranted collection notices on your credit report


  • Use Online or Mobile Banking to frequently monitor your account activity. Report anything unusual immediately.
  • Read your bank, credit card and account statements and explanations of medical benefits you receive from your health plan. If a statement has mistakes or doesn't come on time, contact the business.
  • Review your credit report regularly. You have a right to one free credit report every 12 months from each of the three national credit reporting companies. Order all three reports at once, or space them out by ordering one every four months. To order your credit report, go to or call 1-877-322-8228.
  • Shred any documents that show personal, financial and medical information.
  • Do not open or respond to email, text and phone messages asking for personal information. Legitimate companies will never ask you for sensitive information, such as passwords, in these channels. Delete the messages and report them to the company they appeared to be from.
  • Create passwords that mix letters, numbers and special characters. Don't use the same password for more than one account. See our "Strong Passwords" page for more information.
  • If you shop or bank online, be sure to only use websites that protect your financial information with encryption. You can tell a site is encrypted when it has "https" at the beginning of the web address. "S" is for secure.
  • Don't send information to any website that isn't fully encrypted, especially when using a public Wifi network.
  • Use anti-virus and anti-spyware software and a firewall on your computer.


Contact Your Bank

Contact your bank or credit card company as soon as possible to put a hold on your accounts or temporarilty block your cards. Remember that you are also able to temporarily block your FNB Visa Debit Card using CardGuard™ mobile debit card controls if you misplace your card or at any time you believe your card information may have been compromised.

Flag Your Credit Reports

Call one of the nationwide credit reporting companies, and ask for a fraud alert on your credit report. The company you call must contact the other two so they can put fraud alerts on your files. An initial fraud alert is good for 90 days.

Order Your Credit Reports

Each company’s credit report about you is slightly different, so order a report from each company. When you order, you must answer some questions to prove your identity. Read your reports carefully to
see if the information is correct. If you see mistakes or signs of fraud, contact the credit reporting company.

Create an Identity Theft Report

An Identity Theft Report can help you get fraudulent information removed from your credit report, stop a company from collecting debts caused by identity theft, and get information about accounts a thief opened in your name. 

To create an Identity Theft Report, complete the following steps:

  • File a complaint with the FTC at or 1-877-438-4338; TTY: 1-866-653-4261. Your completed complaint is known as an FTC Affidavit
  • Take your FTC Affidavit to your local police department, or to the police department where the theft occurred. File a police report and secure a copy for your records.
  • The two documents comprise an Identity Theft Report.