First National Bank of Michigan will post information when we hear about security alerts, common scams or other relevant security-related information.
Concerned about the Equifax breach? See our FAQ to learn more about the breach and how to protect yourself.
Frequently Asked Questions
I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
Was my information stolen?
If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out:
https://www.equifaxsecurity2017.com. Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.
How can I protect myself?
• Enroll in Equifax’s services.
Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com .
• Monitor your credit reports.
In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at annualcreditreport.com. You are entitled to one free report from each of the credit bureaus once per year.
• Monitor your bank accounts.
We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.
• Watch out for scams related to the breach.
Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.
Should I place a credit freeze on my files?
Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.
How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit the Equifax website..
Experian: Call 888-397-3742 or visit the Experian website..
TransUnion: Call 888-909-8872 or visit the TransUnion website.
Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com.
You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do.
To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen..
Basic Online Security
OnGuardOnline.gov is the federal government's website to help you be safe, secure and responsible online.
Get Safe Online is a helpful resource for practical advice on how to protect yourself, your computers and mobiles device and your business against fraud, identity theft, viruses and many other problems encountered online.
Keep your personal information secure to avoid identity theft. Visit the Federal Trade Commission's identity theft page to stay in the know.
Sending an unprotected email is like sending a post card. Anybody with the right tools can see an unprotected email message. If you don't know how to send an encrypted email, you should use alternatives for your confidential information. Alternatives include faxes, US mail or hand delivery.
Lost or Stolen ATM/Debit Cards or Credit Cards
If your ATM or debit card has been lost or stolen please call one of our branches. If it is after branch hours or a weekend or holiday, please call 866.664.9364 to report your card lost or stolen.
If you will be traveling with your debit or ATM card, please inform your banking representative. An alert will be put on your account, preventing fraud protection from blocking your card due to an atypical transaction location.
If your First National Bank of Michigan Visa card is lost or stolen, please call 24-hour Cardmember Services at 866.234.4691 or outside the U.S. at 701.461.1772 Collect.