How Does Identity Theft Happen?

Identity theft occurs when someone steals your personal information and uses it fraudulently. As digital tools evolve, the tactics criminals use continue to change. Understanding how identity theft happens and knowing how to protect yourself can help reduce risk and allow you to respond quickly if something does not look right.

Common Identity Theft Tactics

Identity theft can happen both online and offline. Common tactics include:

• Phishing emails or text messages
• Skimming card information
• Social engineering
• Data breaches
• Malware
• Unauthorized address changes designed to delay detection

What Identity Theft Can Impact

When personal information is compromised, it may be used to:

• Open or misuse credit card accounts
• Access bank accounts
• File fraudulent tax returns
• Open phone or utility accounts in your name
• Steps You Can Take to Protect Yourself

Staying Secure Moving Forward

Identity theft can feel overwhelming, but awareness and prevention tools make a difference. By combining smart habits with available security features, you can better protect your financial information and respond quickly if something does not seem right.

Here are practical steps you can take to reduce your risk and catch issues early.

• Enable multi-factor authentication in Online Banking to add an extra layer of protection beyond your username and password
• Enroll in free credit score tools in Online Banking to monitor your credit and review accounts you do not recognize
• Enroll in eStatements to easily review account activity and card transactions in one place
• Be cautious with emails and messages and avoid clicking links or sharing information unless you have verified the source
• Protect your devices with up to date security software and avoid accessing financial accounts on unsecured public Wi-Fi
• Shred documents containing personal or financial information before disposal