Bank of Ripley / Bank of Tipton takes care to protect the privacy and security of your information, accounts and transactions. Security is always stronger when all parties are careful and the best line of defense begins with you. We suggest all customers take the following steps to protect yourself against identity theft and account fraud.

Internet Fraud
There is a rapidly growing practice of Internet fraud called "phishing". Phishing is the practice of sending fraudulent email messages to addresses requesting them to supply confidential information. Typically, the information requested includes account numbers, passwords, PINs, Social Security numbers or other personal identifying information.

Please note: Bank of Ripley / Bank of Tipton will NOT solicit confidential or sensitive customer information via email. Should this happen to you, please contact your local branch immediately.

Lost/Stolen Bank Cards
In the event you cannot contact us, listed below are numbers to report only lost or stolen Bank of Ripley / Bank of Tipton cards:

Bank of Ripley / Bank of Tipton (Visa or MasterCard) Consumer Credit Cards: 1-800-558-3424
Bank of Ripley / Bank of Tipton (Visa) Business Credit Cards: 1-800-552-8855

Bank of Ripley / Bank of Tipton (Visa) Debit Cards: 1-800-528-2273

For Bank of Ripley / Bank of Tipton ATM cards, please contact your local branch immediately.

Preventing Theft

• Protect your Social Security number. Limit its use as identification. Never preprint your drivers' license or Social Security number on your checks.
• Shred unnecessary financial documents including invoices and unwanted pre-approved credit offers
• If regular bills or statements stop coming, call the company's customer service number. Someone may have filed a false change-of-address notice to divert your mail.
• Don't ignore suspicious charges. Call the company immediately to the resolve the discrepancy.

If you think your identity has been stolen, this site could be helpful: http://www.consumer.gov/idtheft/

Preventing Account Fraud

• Protect personal and financial information. Never give account numbers, social security numbers, or other sensitive information to strangers.
• Question suspicious phone inquiries. Don't give out financial information on the phone unless you initiated the call and know the other party.
• Protect your ATM, telephone and online banking information. Avoid using easily guessed passwords and PINs.
• Report lost or stolen checks immediately.
• Periodically check your credit rating. Contact the major credit bureaus to ensure accuracy and indentify potential fraudulent activity. Contact information is below.

Equifax - www.equifax.com
To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241

To report fraud, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the
Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

Experian - www.experian.com
To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013

To report fraud, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322

Trans Union - www.transunion.com
To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022

To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803