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Identity Theft Tools & Tips

Defend your personal data and avoid falling victim.

Protect your identity, credit, and finances around the clock with the help of Allegiance.

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Fight Back Against Identity Theft

Tools for Digital Banking Users 

Fraud can happen fast, but with the right tools and tips, so can your response. Allegiance Credit Union is proud to help our members safeguard themselves from the unexpected. Identity theft protection isn't just enrolling in eStatements and Bill Pay to avoid mail fraud. Explore more tools and tricks to stay ahead of the fraudsters.

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2/4 7 CREDIT MONITORING

Monitor your credit report daily inside Online Banking and Mobile Banking.

MOBILE WALLET ACCESS

Leave your wallet at home! Add your debit and credit cards to your mobile wallet.

DEBIT CARD CONTROLS

Lock and unlock your debit card if your card is lost or stolen inside Mobile Banking.

ACCOUNT ALERTS

Set up real-time account alerts for large purchases, low balances, and more!
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Fraud Doesn’t Discriminate

From Students to Seniors, Identity Theft Hits Hard

Fraud can strike anyone, no matter their age, lifestyle, or income. Young adults are targeted for their clean credit, while seniors are targeted for their life savings. Even children can be victims before they’ve opened a bank account. Reporting fraud quickly can help you recover faster and get your finances back on track.

Timing Matters

How To Report Fraud (3 Steps)

 

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Contact Creditors & Financial Institutions

If accounts have been used or opened illegally, contact your creditors immediately. Ask for fraudulent transaction documentation. For checking account fraud, contact your financial institution to place stop payments on any outstanding checks that you did not write.
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Report The Crime

Report the crime and file a report with either your local police department or the police where the identity theft took place. Request a copy of the report. Create an Identity Theft Report with the Federal Trade Commission (FTC), which is the combination of the Identity Theft Affidavit, also filed with the FTC, and the police report.
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Obtain A Credit Report

Monitor your and your spouse's credit report for fraudulent information. Contact one of the bureau’s fraud departments and request that an extended fraud alert be entered on your file for seven years. Write a victim’s report and sent it to the bureaus. After that, check your credit report every three months.
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Stay One Step Ahead

Tips to Avoid Identity Theft

Protecting your personal information starts with smart habits and a little vigilance. These tips will help you safeguard sensitive data, and reduce your risk of becoming a target.

1: Don't Leave Your Laptop, Wallet, or Smartphone Unattended or Unlocked

2: Use Password Protection

3: Think Twice About Public Wifi Connections

4: Shred Sensitive Documents

5: Only Carry What You Need In Your Wallet

6: Lookout for Email and Website Scams

Mobile Banking Tools

Whether you're at home in Oklahoma or traveling across the globe, the Allegiance Mobile Banking App puts powerful tools at your fingertips. Get real-time alerts, monitor your credit, turn off your debit card, and more with convenient access to your accounts anywhere, anytime. 

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