Bank Security

As our personal lives have become increasingly hectic, we understand that safety, both banking and personal, has never been a more important consideration than it is in today's society. We strive to provide a safe environment, with systems and procedures in place to safeguard both you and your assets. By working together, we can add yet another layer of protection. We've highlighted the following safety tips to help you, and remind you, that safety should always be top of mind for you, as it is for all of us at BELPRE SAVINGS BANK.

ATM Safety

Be aware of your surroundings when using an ATM. Be cautious of anyone who appears to be acting in a suspicious manner. It is always best to use an ATM during daylight hours, when other people are present. When possible, have a companion with you. Prepare for your transaction before approaching the ATM and leave immediately upon completing your transaction.

User ID’s and Passcodes

BELPRE SAVINGS BANK has multiple steps in place to confirm your identity and provide additional security when banking online. First, create User ID’s and Passwords that are easy to remember, but difficult for others to guess. It is always a good idea to use a combination of letters, numbers and symbols. Dates of birth, addresses and other information that could be found in personal papers should be avoided. Be sure to change your Passwords frequently and never carry them with you.

Privacy Policy

At BELPRE SAVINGS BANK, we understand and appreciate that your decision to choose us to be your financial services company is an expression of confidence. You trust us to keep secure any financial information we obtain from you or about you. We, in turn, endeavor to safeguard your non-public personal information. As part of that effort, we have developed this notice which explains how we handle your information and the steps we take to protect it. We maintain security procedures to protect your non-public personal information. In so doing, we employ physical, electronic, and procedural safeguards that comply with applicable state and federal laws, regulations and guidelines. Access to your non-public personal information is restricted to only those employees who need to have it for legitimate business purposes - such as providing products or services to you - or for a legal reason. We take our responsibility to protect your financial information seriously. As a result, we've developed a comprehensive Privacy Policy that addresses every aspect of the banking relationship we have with our customers. Review the entire policy given to the customer when opening an account.

Patriot Act Responsibilities

Following the terrorist attacks of September 11, 2001, Congress enacted the Patriot Act that empowers law enforcement agencies to prevent, detect and prosecute terrorists and money launderers who support terrorism. As a result, BELPRE SAVINGS BANK is required to maintain a Customer Identification Program (CIP) through which we verify the identity of our customers. These procedures are intended to protect all of us. BELPRE SAVINGS BANK takes these steps not only as required by law, but also because we feel it is our responsibility to our customers and to the safety of the United States economy. Please understand that we take extraordinary measures to insure that the procedures are not an inconvenience to our customers.

Gramm-Leach-Bliley Responsibilities

Section 501 of the Gramm-Leach-Bliley Act of 1999 established requirements to ensure security and confidentiality of customer information. BELPRE SAVINGS BANK maintains an information security program to safeguard confidential customer information. Please contact us at 1-740-423-9504 with any questions regarding the safety and security measures taken at BELPRE SAVINGS BANK.

Fraud

Sadly, there are entire industries based on obtaining funds illegally from unsuspecting people. Sometimes referred to as scams, these operations prey on those who are unaware of the risks involved with sharing personal information. Lottery scams, account hijacking and identity theft are common approaches utilized in an attempt to illegally extract information or money. The most effective precaution that you can take is to never give money or financial account information to someone other than a trusted advisor. And remember, if something sounds too good to be true, it probably is too good to be true.

Identity Theft

Compromised Cards

A compromised card is a debit card for which the card information has been illegally obtained from a vendor. As a courtesy to our customers, even though the bank is not at fault for releasing confidential account information, BELPRE SAVINGS BANK will inform our customers when we are notified that a vendor's files have been illegally acquired. The bank will typically re-issue the debit cards and discontinue old cards in order to protect the cardholder from unauthorized transactions. If you notice fraudulent activity, or if your card is lost or stolen, call 1-740-423-9504 or 1-800-849-5533 after business hours to report it immediately to BELPRE SAVINGS BANK.

Safe Banking Precautions

If you suspect your identity has been stolen, call your bank and credit card issuers immediately so they can start to work on closing accounts and clearing your name. File a police report and call the fraud units of the three credit reporting agencies immediately. Their numbers are:

Trans Union (800) 680-7289

Experion (888) 397-3742

Equifax (800) 525-6285

Consider placing a victim-statement in your credit report. Make sure to maintain a log of all the contact you make with authorities regarding the matter. Write down names, titles, and phone numbers in case you need to re-contact them or refer to them in future correspondence. For more advice, contact the Federal Trade Commission's ID Theft Consumer Response Center at 1-877-ID-THEFT or www.consumer.gov/idtheft.

Check Responsibility

Ultimately, your personal checks are your responsibility. They should be kept in a safe place and every check should be accounted for.

Computer Safety

For computer-related safety measures, contact the manufacturer of your computer or your internet and email service provider. Most likely, these sources will have valuable information on how to enhance the safety of the information being stored and shared on your personal computer. E-mail, for example is a common tool used to try and extract information from recipients, so it is always a good practice to use virus detection software and not to open emails or attachments from unknown sources. BELPRE SAVINGS BANK will never send emails requesting personal information, ask you to verify information, or ask you to click on a special site link. Do not hesitate to call us at 1-740-423-9504 to confirm any communication we may send you. You should regularly log on to your online accounts and check your account transaction history to ensure that all entries are legitimate. When conducting business online, make sure your browser's padlock or key icon is active.

Emergency Preparedness

From flooding to tornadoes, in the Midwest, we are susceptible to a wide range of emergencies, which could make your banking office inaccessible. But even in emergency situations, BELPRE SAVINGS BANK is here for you. A BELPRE SAVINGS BANK debit card provides access throughout our ATM network and may be used just like a credit card at purchase. It's a good idea to familiarize yourself with these alternative banking methods now, before an emergency happens. You'll discover how easy it is to access your funds, make payments and conduct the business normally addressed in our banking offices.

Safe Deposit Boxes

We provide a variety of sizes of safe deposit boxes in which you can store important papers and documents. A safe deposit box may be a good place to store personal information, especially if you have roommates or employ outside help.