Identity Theft

Monroe Bank & Trust does not contact customers via email, phone, or text message to request or verify personal or company information, including account numbers, passwords, personal identification numbers (PINs), Social Security numbers, or Tax ID numbers for security or any other purposes.

For your protection and privacy, Monroe Bank & Trust will ask for certain information to verify your identity when you contact us.

If you believe your accounts or identity have been compromised in any way, contact us immediately to report the fraud.


Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft (ID theft) occurs when someone assumes another person’s personal identifying information without their knowledge to commit fraud or other crimes. Identity theft is the fastest growing crime in the United States. Identity Theft Education is the best line of defense against Fraud detection and prevention.

Your identity can be stolen in a variety of ways:

  • Loss or theft of your wallet, purse, mobile device, or credit card
  •  Mail theft
  •  Skimming information from the magnetic strip on credit or debit cards
  •  “Dumpster diving” through the trash
  •  “Shoulder surfing” — looking over your shoulder when you are entering a PIN or password
  •  Eavesdropping
  •  Scam phone calls where a stranger asks for personal or financial information
  •  Phishing
  •  Computer hacking


  • Review account statements to monitor activity. Watch for unauthorized charges, unauthorized transfers or withdrawals.
  • Monitor your credit report regularly. You can get a free copy of your credit report at every twelve months. Look for accounts appearing on your credit report that you did not open.
  • Log into online or mobile banking to review and confirm recent transactions.
  • Protect your mail. Watch for regular monthly bills that aren’t delivered. Stolen mail is one way to obtain sensitive information. Do not leave mail for pickup at an unlocked mailbox. Use online bill payment when possible.


  • Login Safely – Create different login information for each online account, use strong passwords. Memorize your login information. Never store it on or beside the computer. Do not share your password with anyone.
  • Install computer security programs, including firewall, anti-spy, anti-virus, spam filter, and pop-up blocker software. Keep all programs up to date.
  • Know and watch the signs of common scams. Delete emails from suspicious sources immediately.
  • Be cautious requests for personal information, online, by phone, or through a mobile device. When it is necessary to share information, ensure that the website is secure. Never send sensitive information via email or text message.
  • Think before you click. Never click on the link provided in an e-mail you think is fraudulent. In addition to stealing your personal information, the link may contain a virus that can contaminate your computer.
  • Pay attention to statements and billing schedules. If a check or other payment does not clear when expected, consider placing a stop payment. If an account statement or bill seems late, check to see if there’s any reason to believe it could have been stolen from your mail.
  • Shred all paperwork with private information before recycling or disposing of it.

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