Secure Accounts

Security Statement: Ann Arbor State Bank takes the security and safety of our customers’ personal and confidential information very seriously, and your trust in us is extremely important. We employ industry-proven standards and technologies to protect information in our environment:

  • We protect our systems and networks with Firewalls.
  • We employ Intrusion Detection software, and monitor for unauthorized access.
  • We maintain and selectively review activity logs, to prevent unauthorized activities from occurring within our computing environment.
  • We use encryption technology to protect any sensitive information that is transmitted to you over the Internet.
  • We control access to your information inside our company by limiting employee access to systems and data based on business requirements.
  • We build Information Security into our systems and networks by following our Information Security Policies and Procedures.
  • We have added an additional layer of verification to our login process to further secure and protect you and your transactions. Along with your unique Login ID and Password, our system captures information to create a personal access signature. If we are unable to identify you and your computer when logging in you will be presented with security questions that you selected and answered during your enrollment. Simply provide the correct answers and you will be logged into your accounts.

But we are not working alone. You also hold an important key to protecting your financial information. Here is what you can do to help.

To protect against Identity Theft:

  • Guard Your Numbers - Do not give out Social Security Numbers or bank account numbers over the phone unless you initiate the call and know the person or organization on the other end. Never give this information to a stranger, even one claiming to be from the bank. Do not write your personal identification numbers (PIN) down; memorize them. Refrain from printing your social security number or credit card numbers on your checks.
  • Report It Immediately - Call the bank to report lost or stolen checks. Do not leave new check orders in your mailbox for extended periods of time, and verify new deliveries are complete to assure that none have been stolen.
  • Store in a Safe Place - All cancelled or new checks should be stored in a safe place. Do not carry your social security card, passport, or birth certificate with you. Keep them in a secure area, such as a fire safe box or safe deposit box.
  • Notify the Bank - Do not give account information anyone calling to 'verify a statement' or 'award a prize'. The bank has your account information and does not need to ask you for it. Beware of fraudulent web sites and e-mails requesting personal information.
  • Guard Your Information - ATM personal identification numbers (PIN) and receipts are access tools for thieves. Do not write your PIN down. Keep it protected.
  • Mail Solicitations - Do not just throw pre-approved credit offers away. Shred them to prevent thieves from using them to assume your identify. Shred any other financial information before disposing.
  • Mailbox Protection - Do not leave your mail in the mailbox for pickup. Drop it in a secure, official drop box of the U.S. Postal Service. Thieves can use your mail to steal your identity.
  • Bills in the Mail - Be sure your bills are arriving on time. If not, contact the company to find out why the bill is delayed. Someone may have put a false change-of-address notice on you to divert your personal information to another address for his or her access.
  • Review Bills Carefully - If bills or statements include suspicious items, investigate them immediately to head off any possible fraud before it occurs.
  • Review Credit Reports - Periodically contact one of the major credit reporting companies to review your file and verify the information is correct. As part of the federal Fair Credit Reporting Act, you are entitled to an annual free credit report from each of the three nationwide consumer reporting agencies through www.annualcreditreport.com or by calling 1-877-322-8228. You can obtain a copy of your credit report at any time for a small fee through the three major credit bureaus:
    • Equifax® - PO Box 740250, Atlanta, GA 30374-0250, 1-800-685-1111, www.equifax.com
    • Experian® - PO Box 1017, Allen, TX 75013, 1-888-EXPERIAN (888-397-3742),  www.experian.com
    • TransUnion - PO Box 6790, Fullerton, CA 92634, 1-800-916-8800, www.transunion.com

To protect against Online Fraud:

  • Look beyond the logo. To make fraudulent emails or Web sites appear real, scammers often include actual logos and images of legitimate companies. They also convey a sense of urgency, stating that if you fail to provide, update, or verify your personal or account information, access to your accounts will be suspended. It's important that you look beyond the logo and not give out your information.
  • Use your spam filter. Many email services now have spam filters that minimize the amount of spam you receive. The filters can help you minimize the number of fraudulent emails in your inbox.
  • Type, don't click. Even if you do open a suspicious email, don't click on any links. By clicking on the links, you could unknowingly download a virus or spyware to your computer. Even if you think the email is legitimate, type Web addresses into your browser instead of clicking on links. If the email is from an institution you do business with, use a bookmark that you've already created to visit the company's Web site.
  • Protect your Online Banking password. Keep your passwords unique and known only to you. Be creative with your passwords - stay away from obvious passwords like your zip code, year of birth, or sensitive information such as your mother's maiden name or your Social Security Number. Include symbols and/ or upper and lower case letters so passwords can't be easily intercepted.
  • Update your anti-virus and anti-spam software. By keeping anti-virus and anti-spam software up to date on your computers, you make it more difficult for scammers to access your personal and account information. You can purchase anti-virus and anti-spyware software at major retail stores, as well as on the Internet.
  • Delete. Delete emails from unknown senders with nonsensical subject lines. If you receive an e-mail from an unknown address that bursts with vague promises of wealth and glory, trash it. Since it is easy to fake an e-mail address, pay more attention to the content of the message rather than to the domain it supposedly came from.

Security Reminder: At no time will Ann Arbor State Bank ask for your password or any other personal identification information via e-mail or our website

Your Identity Has Been Stolen - What Should You Do?

If you suspect you are a victim of fraud or identity theft, follow these steps:

  • Immediately contact your bank and credit card providers by calling the phone numbers listed on your statements.
  • Contact the Federal Trade Commission (FTC) by one of the following methods:
  • By Internet:  http://www.ftc.gov/bcp/edu/microsites/idtheft/
  • By Phone: Toll-free 1-877-ID-THEFT (438-4338); TDD: 202-326-2502
  • By Mail : Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Ave, NW, Washington, DC 20580
  • Contact the three major credit reporting agencies to put yourself on 'Fraud Alert' and request a copy of your credit report:
  • Equifax® - PO Box 740241, Atlanta, GA 30374-0241, 1-800-525-6285, www.equifax.com
  • Experian® - PO Box 9532, Allen, TX 75013, 1-888-EXPERIAN (888-397-3742), www.experian.com
  • TransUnion - PO Box 6790, Fullerton, CA 92634, 1-800-680-7289, www.transunion.com
  • Cancel all accounts that have fraudulent activity or are at risk.
  • Contact your local law enforcement agency.
  • If your mail has been stolen, contact the U.S. Postal Service.
  • Keep detailed records of your efforts to resolve any theft of your identity, including:
  • Log the date, time and amount of any unauthorized activity on your accounts.
  • Log the date, time, duration and cost of any phone calls.
  • Log the date and cost of any mailings.