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Woman holding credit card above laptop keyboard.

Identity Theft

Protect Yourself Against Identity Theft

Knowledge is your best defence against Identity Theft. Avoid online fraud by protecting your personal information and learn tips to understand and avoid ID theft. Should your identity be compromised, Veritex Community Bank offers a list of steps that help you deal with ID theft if you become a victim.

Protecting Your Social Security Number

  • Never provide your personal information in response to an unsolicited request
  • Do not have your driver's license number, telephone number, or Social Security number printed on your Veritex checks.
  • If someone asks for your Social Security number, ask why it's needed and how it will be used.
  • Never carry your Social Security card with you.
  • Remove your Social Security number from your driver's license. (If permitted by state law.)

You are only as strong as your Password

You are your own best defense against identity theft. One of the easiest steps to protecting your self is using a strong online password. To help you from becoming a victim of this crime, we recommend the following Password Tips:

  • Make passwords as non-personal as possible. Don't use birthdays, addresses or phone numbers.
  • Never use your name as your password.
  • Create a strong password that includes numbers and special characters or symbols.
  • Make sure your User ID and password are different.
  • Never write your password down to share it with anyone.
  • Change your password immediately if you think anyone knows it.
  • Change or rotate your passwords regularly.
  • Do not use the same password for every system you access.

Practice common-sense security

  • When you go out, take only the personal identification and credit cards you believe you will need. This is most important when you travel.
  • Keep photocopies of all important information (driver's license, passport, credit cards, etc.) and store them in a secure place such as a safe deposit box.
  • When shopping don't put receipts in the same bag as your purchases. Be very careful not to leave your receipts behind on counters or at gas pumps.
  • Keep track of when your credit cards expire and notify the issuers promptly if they have not arrived.
  • Be careful where you leave personal information in your home, especially if you have outside help or are having work done on your home.
  • Store your canceled checks and new checks in a secure place.
  • Report any lost or stolen checks, debit, or credit cards IMMEDIATELY.
  • Review your credit report at least once a year to check for inaccuracies.

Avoid Mail-Related Risks

  • Enroll in E-Statements and no longer receive paper statements in the mail. This helps to reduce the threat of having your statements stolen out of your mailbox. If you see a suspicious item, call the billing company immediately for further investigation.
  • If you do not receive bills on time, call the companies to find out why. You want to be sure that no one has filed a false change of address notification on your behalf.
  • Don't leave outgoing mail in your home mailbox. Drop it into a secure, official Postal Service collection box.
  • Stop mail delivery while you are on vacation or ask a neighbor to pick it up for you daily.
  • Always shred important documents such as bank statements and items received in the mail before throwing them away. Most fraud and identity theft happens as a result of mail and garbage theft.
  • Consider opting out of unsolicited credit offers. Call 888-5-OPTOUT (888-567-8688)

Reporting Identity Theft

Identity Theft is a serious matter to Veritex Community Bank. Identity Theft occurs when someone uses your personal identifying information, like your name, Social Security number, credit card number, or other personal information, without your permission, to commit fraud. If you believe you are a victim of identity theft:

  • Immediately contact your Veritex Community Bank branch.
  • Change all of your online banking passwords. Use strong passwords that include numbers and special characters such as @ and $. For added protection, change your passwords frequently.
  • Notify the major credit reporting agencies (credit bureaus). Call the fraud departments of all three credit bureaus. Ask them to put a "fraud alert" on your file. This tells creditors to call you before they open any accounts in your name:
  • Notify your local law enforcement agency to file an Identity Theft Report. Mail copies of the report to all of your creditors and financial institutions. You may be required to file an additional report in the location where the crime occurred.

If your identity is stolen, your financial records and credit rating are at risk. Immediately contact Veritex, your other financial institution and all creditors. Close any accounts that have been tampered with or opened. Recap the contact in writing, including the names of the representatives you've spoken with, and send the letters and any photocopies of supporting documents via certified mail to the companies you've contacted. Keep careful, written records of everything. File copies of all documents such as emails, messages, letters, and records of phone calls in a safe place.