Verified by Visa
Verified by Visa adds another layer of security to your Visa Debit Card for online purchases by prompting you to submit a password at checkout that is known only to you. This added benefit is available to our clients at no cost.
Even if you do not shop online, protect your Visa debit card with Verified by Visa to prevent fraudulent use by others.
Enroll in Verified by Visa today!
EnFactSM Fraud Analysis and Card Tracking
Oregon Pacific Bank utilizes EnFactSM services to protect card holders from fraud and identity theft. EnFactSM will trigger an alert if an unusual purchase is made and will freeze your debit card if suspicious activity is detected.
If your debit card is mistakenly frozen for a purchase you made, call one of our Client Service Specialists for help at 800.997.7121.
- Do use your Personal Identification Number (PIN) whenever possible
- Don't write your PIN on your card or have it written on something in your wallet
- Don't give your PIN to someone else
- Do keep your card secure in your wallet or purse, not laying about
- Do notify Oregon Pacific Bank before you go on vacation or travel out of state so that unusual charges can be justified
Your Safety is Important to Us
We encourage you to learn as much as you can about identity theft and fraud so that you can protect yourself to the best of your abilities. We'll keep you up to date on the latest security issues, and give you some tips to help you avoid becoming a victim.
Identity Theft occurs when someone uses your personal information (such as name, address, bank account, or social security number) without your knowledge to commit fraud or other crimes. Identity Theft can be harmful and costly to the victim, and can hurt your credit and reputation.
Ways to Protect Yourself from Identity Theft
Signs that Your Personal Information Could be Compromised
- Don't give out any personal information over the telephone, internet or mail unless you know who you're talking to and what your information will be used for
- Never give out personal information to an individual or company that you did not contact yourself
- Shred documents and paperwork containing personal information
- Don't carry your social security number with you and give it out only to trusted sources
- Check your credit report at least once a year to make sure it is accurate
- Don't use obvious passwords like your birthday or corresponding letters/numbers on the keyboard
- Never click on an e-mail from a source you don't recognize
- Protect your computer with firewalls, anti-spyware, and anti-virus software
- Limit online shopping to secure sites that you trust
- Pick up your mail quickly after it is delivered
- Pick up checks from the source or have sensitive materials delivered to the post office
Victim of Identity Theft?
- Credit is denied for no apparent reason
- Bills or other mail do not arrive as expected
- Calls or letters received regarding purchases you did not make
- Credit card statements or account statements arrive that are not familiar or expected
- Contact your financial institution
- Close the accounts that you know or believe have been compromised or opened fraudulently
- File a police report
- Contact all creditors in writing to be sure they are aware of your situation. Keep copies of all documents
- Keep record of all actions you take, people you contact, dates, time of day, resulting action, etc
- Keep track of all documents that verify any financial loss as a result of the crime
- Contact the fraud departments of each of the three major credit bureaus:
Equifax - 800.525.6285
Experian - 888.397.3742
TransUnion - 800.680.7289