Identity Theft Part 1: Know Your Bank
Ask around. Friends and family are great resources to find the good and bad. If a bank is prone to problems, people will tell you. They'll also tell you about the banks where they have the best experiences. This can be the perfect place to start looking and get an idea of what banks to do further research about.
Know the fees and policies. This is something you should know before you trust any bank with your information and money. If you'll be depending on them, you need to know they can be depended on. What are their policies in the event of identity theft? If someone gains access to your account, what are their investigation protocols? How long do they take to investigate? Some banks can take as many as 45 days to investigate and recover you money. These are things you need to know before there are problems.
Develop a relationship with the personnel of your bank. Getting to know someone in you bank branch can make all the difference if you have a problem. Who's the bank manager? Is there a certain teller that's always pleasant and easy to deal with? It never hurts to know who will be the most helpful in resolving problems. You may bank electronically, but the human touch can make things run more smoothly.
Have a separate account for online transactions. Online security can be great, but that doesn't make it bullet proof. Would you want to take a chance on someone gaining access to the account you pay your mortgage with? Why take the chance? It takes nothing to set up a separate account for all your online dealings. So if there is a problem, you'll recognize it quickly and be able to stop it quickly.
Now you have a savings or checking account set up at the bank of your choice. You feel confident in trusting them with your money. You know their policies and who to turn to in times of trouble. So what do you do if there is trouble? We'll tackle that in part 2.
Published by Jen Hawks
I work full time online. I enjoy a lot of craft and artistic hobbies, caring for my pet birds and discussing current news stories. View profile
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