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Resource
Center
Helpful Hints If You Don't Balance
How
to Report a Lost or Stolen Debit Card or ATM Card
Protecting
Yourself from Identity Theft
Be Aware of "Phishing"
Browser Requirements
How
to Balance Your Checkbook
1. Compare your monthly
bank statement against entries written in your checkbook.
2. Put a check mark next
to each transaction in your checkbook registry as reflected on your
statement.
3. Find the ending balance
on your bank statement.
4. Add any deposits not
checked off to the ending balance.
5. From this new ending
balance, subtract any recent withdrawals, checks or debits listed
in your checkbook that are not checked off.
6. The final amount should
match your checkbook ending balance. If not, repeat this procedure
until your checkbook balances.
Helpful
Hints If You Don't Balance
• Recheck your
addition, subtraction and corrections made in your checkbook
register and on your reconcilement form.
• Verify the
carryover balance from page to page in your checkbook register.
• Be sure you
have deducted any service charges from your checkbook register.
• Verify the
printed amount located on the bottom right hand corner of the
cancelled check or any deposit slip with
the amount listed in your checkbook register.
How
to Report a Lost or Stolen Debit Card or ATM Card
MasterCard Debit Card: To report your debit card lost or stolen
during regular business hours, please call our main bank (815)
844-6155. After hours, on the weekends or on holidays, please
call (800) 523-4175.
ATM Card: To report your ATM card lost or stolen, please call
our Main Bank (815) 844-6155.
Protecting Yourself from Identity Theft
Identity Theft
is a serious threat against consumers. At Bank of Pontiac, we continuously
monitor our security procedures to protect you and your accounts.
Total security is only possible with your help. Here are steps you
can take now to prevent identity theft and protect your finances.
Do not give
out personal information such as account numbers, your social security
number(s), passwords, or pin #’s on the phone or over the
Internet unless you have initiated the contact.
Monitor all your bank statements. Check to see if there are
any errors or unauthorized transactions. Call to report the transactions
that are suspect. Important: If you suspect a transaction is
fraudulent, you must contact the bank within 60 days after we
sent the first statement on which the problem appeared.
Report lost
or stolen checks, ATM card or debit cards immediately. Properly
store cancelled checks. Examine new checks and debit cards to make
sure the mailing carrier has not been tampered with. Store them
in a secure location.
Destroy
unused financial solicitations before discarding them and tear up
other financial documents such as statements or receipts before
putting them in the trash.
Be
Aware of "Phishing"
There
is a new scam occuring on the internet involving fraudulent web
pages and e-mail messages. Phishing is a term coined by Internet
hackers who use email lures to 'fish' passwords and financial data
from the sea of Internet users. E-mail messages designed to look
like they came from a merchant or financial institution are mailed
to Internet users. The e-mails direct the recipient to update or
provide information back to the company's web site by instructing
the user to click on a URL embedded within the e-mail. The embedded
URL links the user to a counterfeit web site designed to look like
the company's legitimate web site. Passwords and other personal
information are then solicited and collected by the web site and
used by the scammer to defraud the user.
Please be advised that Bank of Pontiac will not send e-mail communications
to you soliciting sensitive information (passwords, user id's, and
account numbers, etc.). If you should ever receive an e-mail message
requesting personal information and indicating the message originated
from Bank of Pontiac, please do not respond to the e-mail. Instead,
please contact the bank immediately and alert us of the suspicious
e-mail communication.
Browser Requirements What software
do I need to access Online Banking?
Bank of Pontiac Online Banking may be accessed on the World Wide
Web by going to www.bankofpontiac.com. We require only that you
have an Internet connection and a browser. We recommend that your
browser be either Netscape Navigator version 6.1 or higher or Microsoft
Internet Explorer version 6.x or higher. These versions support
128 bit encryption and Secure Sockets Layers 3(SSL3) for security.
Check
your browser settings here |
