CSB's ID Protection Service!
As many as 85 percent of identity theft victims don't find out about the crime until they are denied credit or employment, are contacted by the police, or receive a call from a collection agency.
Don't become a statistic. Protect yourself with CSB's ID protection service. Features include:
• Constant monitoring of your credit files as reported from credit agencies
• E-mail alerts of any changes to your credit files
• Online access to alerts from ID Protection Service
• Ability to request your Credit Reports with credit score
• ID Theft insurance for up to $25,000 of reimbursement
Our service offers monthly monitoring through:
One credit bureau - $4.99 All credit bureaus - $6.99
Yearly subscriptions provide all services PLUS full access to your credit report and score for a discount rate of:
One credit bureau - $49.99 All credit bureaus - $79.99
Yes, I would like protect myself with ID protection 
Your Protection - Project F. Y. P.
Recently a CSB customer reported receiving a phone call at 9:00 P.M. from a person claiming to offer a refund check from Clinton Savings Bank. The caller had requested that the customer tell them their account number.
We wanted to take this opportunity to emphasize that under no circumstances should you ever offer your account number over the phone or email. While CSB will reach out to you from time to time over the phone to enhance our relationship, we will never ask you for your account number. If you encounter a situation that seems sketchy, please do not hesitate to call or email us.
The creation of the Internet has allowed people all over the world to be intertwined and connected, as the name "World Wide Web" illustrates. This Web is similar to a boundless neighborhood, with uncountable destinations for shopping, entertainment, banking and much more. Unfortunately, much like hoodlums that are found in brick-and-mortar society, there are also bullies in the Web neighborhood who seek out naïve or vulnerable victims to take advantage of them in some way. Similar to real life, money is often the root of Web crimes as well.
To help avoid becoming a victim of cyber financial crime, consider the following examples of some of the most popular and sometimes successful scams.
Online auctions where individuals buy and sell personal merchandise can be more costly than you might imagine if you don't proceed with a little caution. For example, when it's time for you to pay for a purchase, you might consider using an escrow company as a middle man to hold your cash until you receive the merchandise. Since this is a popular safeguard, the seller may identify an escrow service for you to send your cash to in an effort to make the purchase seamless for you. However, the seller who is out to scam you is in partnership with the so-called escrow company and they are splitting the cash meant for your purchase.
If you use an escrow company, investigate its authenticity. Or, instead use a credit card that would allow you to dispute wrongdoings and give you some purchase protection.
It doesn't take much to tug at most of our heartstrings and online scammers take full advantage of this. This email usually explains a dire situation of some sort where a person of seeming royalty or other good standing is pleading for your help. The official would like to transfer funds from a foreign country (for some believable reason) into your bank account and will pay you for your effort. The email will go on to ask for your account number and a small amount of money upfront to cover the transfer fees, which you will recoup later. As you might have guessed already, your foreign pen pal will never be heard from again after you send the account number and cash.
Generally speaking, if you receive emails from outside the country and you do not know the sender, ignore them and delete them.
Think "bait and switch." Phasing is a method of identity theft carried out through the creation of a website that seems to represent a legitimate company. Visitors go to the site - trusting that it is safe and secure - and submit their personal information where requested. Criminals then use the information for their own purposes, or sell it to other criminal parties.
Phishers will go to great lengths to look and sound like your bank or another trusting financial organization. They may contact you via email from an address that sounds like it could be your bank, and the email will ask that you click through the link provided to be directed to your bank's Web site to answer a few questions or to receive some bank information. When you click through that link, you truly believe you have arrived at a Web page of your financial institution because it looks the same or very similar. In fact, the Web site has been designed by a Phisher to look like your bank's site so you will take the bait and do what is asked, including providing personal or account information when requested.
Keep in mind that most legitimate financial organizations will never ask for personal or account information online. If you ever have any doubt about an email inquiry from your bank, call a customer service advisor to double-check the validity of the request.
If it sounds too good to be true, it probably is. Email investment offers are quite popular nowadays. You may be asked to consider backing some great company and a Web address is provided for more information. Upon a visit to the site, you will be impressed with a beautiful design, convincing statistics and numerous testimonials from investors who doubled or tripled their investment in practically no time at all.
A phone number is usually provided for you to call to discuss your investment options, but rather than calling a company with stock options, you're dialing up yet another scammer who could be operating from his/her residence and just waiting for someone to trust their life savings in this "once in a lifetime opportunity." Hours after you have bought in, the site will have vanished and so has your money.
To avoid this scam, always research a company fully before investing your hard-earned cash. If the company is reputable enough, you should be able to find numerous references to the company on third-party sites with commentary about the company's stability or lack thereof.
