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Keeping You Protected

Protecting Your Identity
Lost or Stolen Debit Card
ATM Safety
Protecting Your Debit Card/Pin Number
If You Become A Victim
Privacy Policy
Online Banking Security

Protecting Your Identity

Whether you bank online, in person or over the phone, Foundation Bank is constantly working to protect you from criminal activity.  We are committed to protecting your personal information.  We maintain a comprehensive customer information security program utilizing administrative, technical and physical safeguards.  Your other greatest ally?  Awareness.  Learn more about fraud and identity theft, how to prevent it, and what to do in case you become a victim.  

Identity Theft

Identity theft occurs when someone illegally obtains your personal information—such as your Social Security number, bank account number, or other identification—and uses it repeatedly to open new accounts or initiate transactions in your name. Essentially, they try to become you. For example, someone might do a combination of the following: open new credit cards, open new bank accounts, forge checks and even apply for loans using your name and personal information. This can cause financial loss and damage your credit, which can lead to a lengthy resolution process.

Keep in mind however, that even if you think your security has been compromised, it does not automatically mean that you are a victim of identity theft. It might be an incorrect entry or an isolated incident of theft from your Foundation Bank account that is quickly resolved by calling Foundation Bank at 425-691-5000 or toll free at 1-800-603-3417.

How Identity Theft Happens

  • Theft/Robbery
    • Dumpster diving for documents containing personal or financial information
    • Stealing a purse or wallet
    • Taking incoming or outgoing mail from your home mailbox
    • Breaking into your home and taking documents or a computer with personal or financial information stored on it
    • Shoulder surfing at ATM machines and phone booths in order to capture PIN numbers
  • Address change
    • Identity thieves change the address on account statements or bills and have them sent to their address or, more likely, a PO Box
  • From businesses
    • Stealing information where they work
    • Bribing an employee
    • Conning an employee (see pretext calling)
    • Hacking into a company's computer system
  • Skimming
    • Stealing credit/debit card information by using a data storage device when processing (swiping) a card
  • Internet
  • Phishing - fishing for confidential information
    • The consumer receives an email that appears to be valid and originate from a financial institution, government agency or other reputable entity
    • The message states an urgent reason why you must "verify" or "re-submit" personal or confidential information by clicking on a link embedded in the message - the link appears to be the website of the legitimate company but really belongs to the "phisher"
  • Spyware
    • Software that can track online usage and personal information, even record every keystroke
    • Often unknowingly installed by consumers because it is packaged with other software
  • Trojan Horse virus
    • On email virus usually released by opening an email attachment
    • The virus scours the hard drive for personal information then sends this information to the thief's email address
  • Pretext Calling
    • The identity thief calls a financial institution posing as a customer, an official at another bank, a government regulator or a law enforcement officer trying to get information on customer's account
    • May use intimidation (threatening to close account), helplessness or claim an emergency situation

What to Look For

  • Bills that don't arrive when expected
  • New or replacement credit cards that don't arrive in a timely manner
  • Credit card bills or account statements for accounts you didn't open
  • Calls or letters from collection agencies about accounts you didn't open
  • Unexpected denials of credit
  • Emails asking for personal information that don't address you by name, threaten action if you don't respond, or contain spelling errors

For more information on Identity Theft visit http://www.ftc.gov/bcp/edu/microsites/idtheft.


How to Prevent Identify Theft

  • Don't give out personal or financial information such as social security number, checking or credit card numbers, or pin numbers unless you personally know the person or organization. Always keep this information in a safe place.
  • Never email any of the above information even to your banker. Email is not a secure transmission. It is the equivalent of a postcard and you wouldn't put your social security number on a postcard for the post office to read, would you.
  • Shred any financial offers you receive such as those for credit card offers and any bank statements before throwing them away. Consider getting your bank statements online, it will not only help protect your identity but it will help the environment.
  • Protect your ATM PIN number and ATM receipts. Keep your ATM card and PIN number separate and shred them if you should need to dispose them. Never write your PIN number on your card, memorize it instead.
  • Report lost or stolen checks, debit cards or credit cards immediately to the appropriate party.
  • If you see something questionable on a bill, don't hesitate to question it as this may help prevent possible fraud.
  • Annually check your credit report for accuracy and report any errors immediately.

Lost or Stolen Debit Card

To report a LOST or STOLEN debit card Contact Us

ATM Safety

Use the following suggestions to help protect yourself when making an ATM transaction or purchase.

  • Block others view of your transaction:
    • Cover screen and/or keypad when entering PIN number.
    • If you feel you may be watched leave the ATM and go to a safe location.
    • Never let anyone assist you in entering your PIN number or give anyone your PIN number, not even a store clerk. You should guard your PIN number as you would cash.
  • Be Prepared:
    • If in line at the ATM, leave your car running, windows up and doors locked.
    • Have your card ready before reaching the ATM, don't wait until you get there to start digging for your card.
    • Remember the more time you spend at an ATM, especially after hours, the easier target you are for a thief.
  • Secure Cash:
    • After a transaction, don't visibly display your cash.
    • Immediately store away your card, cash, and receipt, wait until you are safely away to sort everything out.
  • Stay Alert:
    • Notice your surroundings prior to and during transactions.
    • If you notice anything unusual or anything or anyone that makes you uncomfortable leave the ATM and try another location if needed.
  • Check the ATM:
    • Pay attention to the actual ATM machine, if it looks to be altered or has any unusual devices attached to the card slot or keypad, do not use it and notify the bank of your findings.

Protecting Your Debit Card/Pin Number

  • Protect your card:
    • Sign your card immediately upon receiving it and perform an account inquiry at an ATM to activate the new card.
    • Do not lend your card to anyone unless you are comfortable with them having access to your cash.
    • Save your receipts to compare against your statements.
    • Notify the bank immediately if you notice any unauthorized or suspicious transactions.
    • Contact us immediately if your card is lost or stolen or becomes compromised in any way. If during bank hours call 1-800-603-3417 or after hours call 1-800-754-4128.
  • Protect your PIN:
    • Memorize your PIN.
    • Do not write it on your card.
    • Do not give your PIN number to anyone over the phone or internet.
    • When making a purchase never let a store clerk enter your PIN number for you.
    • Remember no one needs to know your PIN number but you.

If You Become A Victim

If you think your identity has been stolen or you’re a victim of fraud:

  • Contact us immediately at 425-691-5000 or toll free at 1-800-603-3417 or the company involved immediately and have all accounts closed or monitored for further changes.
  • Contact all three major credit bureaus to place a fraud alert on your file, this can help prevent thieves from obtaining any new credit in your name.  For more information about the steps to take, and to get your credit reports, contact the credit bureaus listed below:
  • Contact other creditors. Contact your other creditors including credit card and phone companies, as well as banks and other lenders, to notify them of potential fraud. Always follow up any telephone conversations with a letter. Close any accounts that have been breached and reopen them with new account numbers and passwords. We strongly suggest not using your Social Security number as either a username or password.
  • File a report with the local police. Contact your local police department if you suspect that your personal information was stolen. A police report will lend weight to your case when dealing with creditors who may require proof of criminal activity.
  • Report the criminal activity to the Federal Trade Commission (FTC). Call the toll-free hotline at 1-877-ID THEFT (1-877-438-4338) to speak with a trained identity theft counselor. Or enter information about your complaint into a secure FTC online database at www.consumer.gov/idtheft.  Your information may be shared with other law enforcement agencies investigating identity theft.
  • Contact other agencies as appropriate:
    • Postal Inspection Service at www.usps.com. If you believe your mail was stolen or redirected, notify the Postal Inspector at your local post office.
    • Social Security Fraud Hotline at 1-800-269-0271. If you suspect someone is using your Social Security number for fraudulent purposes, call the hotline.
    • Department of Motor Vehicles office at www.dmv.org. If you believe someone is trying to get a driver’s license or identification card using your name and information, contact your local DMV
    • Carefully review all your credit files and accounts. Since identity theft takes time to completely resolve, you should continue to carefully review all charges and transactions appearing on account statements and online. Keep all receipts and records for proof of legitimate purchases.  Any discrepancies should be reported immediately.

Privacy Policy

Online Banking Security