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Identity Theft Information

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April 14, 2018 - Troy Office

September 15, 2018 - Sidney Office


Protecting yourself after the Equifax breach

Recently, credit monitoring bureau Equifax announced a major data breach, with the information accessed primarily including names, Social Security numbers, birth dates, addresses and, in some cases, driver's license numbers.  

While Minster Bank was not breached and your accounts are protected with strong security and verification controls, we wanted to offer some tips for how to protect yourself in the days and months ahead.

Find out if your information was exposed: Go to Equifax’s website, click on the “Check Potential Impact” button and enter your last name and the last six digits of your Social Security number. Your Social Security number is sensitive information, so make sure you’re on a secure computer and an encrypted network connection any time you enter it. The site will tell you if you’ve been affected by this breach.

Watch your accounts: Regularly check your online and mobile banking and report any suspicious charges or activity immediately. For Minster Bank credit cards, call 800-558-3424, and for all other accounts call 1-866-MINSTER. If you need help setting up online or mobile banking on your Minster Bank accounts, give us a call or come into an office.

Watch for phishing: If you get a phone call, text message or email from Equifax or another company asking for any personal information, don't provide it. Visit the company's website or call them back directly to verify if the communication is legitimate. And, as always, remember that we will never ask for personal information by email.

Consider a credit freeze: A credit freeze lets you restrict access to your credit report, making it harder for someone to open a new account in your name. It usually involves a fee, and it won't prevent a thief from making charges to your existing accounts.

Consider a fraud alert: A fraud alert requires a business to verify your identify before issuing you credit.

Get an annual credit report: This is more important than ever, as hackers may sit on this information and wait. You're entitled to a free credit report once a year and can get yours at

How to Report a Lost or Stolen Card, Identity Theft or Fraud

If you have lost your debit or credit card, or suspect identity theft or fraud on any of your Minster Bank accounts, please contact us as soon as possible. You can:

  • Stop in to your local branch.
  • During business hours, call Minster Bank at 1-866-MINSTER (1-866-646-7837).
  • Debit Card - After hours, call 1-800-472-3272.
  • Credit Card (Personal) - After hours, call 1-800-558-3424.
  • Credit Card (Business) – After hours, call 1-800-558-3424.

What is the difference between identity theft and fraud?

Identity theft is when someone uses your personal information without your permission.

Bank or credit card fraud is when an account is opened fraudulently in your name and unauthorized charges are made.


What are other common types of fraud?

  • Unauthorized phone services - New mobile phone service is established in a victim’s name.
  • Bank fraud - A new bank account is opened in a victim’s name, fraudulent checks are written or unauthorized withdrawals are made from an account.
  • Fraudulent loans - Personal, business, auto or real estate loans are obtained in a victim’s name.
  • Government documents or benefits fraud - Access to a victim’s government documents, such as his/her driver’s license or Social Security number; tax return is filed frequently or government benefits are obtained through fraudulent means.


Do you think you’ve been a victim of identity theft?

Here are your next steps: Contact the fraud departments of each of the three major credit bureaus (listed below) and request:

  • A fraud alert be placed on your file
  • No new credit be granted without your approval


To report fraud, call: (800) 525-6285 or write: P.O. Box 740241, Atlanta, GA 30374-0241

To report fraud, call: (888) EXPERIAN (397-3742) or write: P.O. Box 9532, Allen, TX 75013

Trans Union:
To report fraud, call: (800) 680-7289 or write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834

  • Close any accounts that have been fraudulently accessed or opened. 
  • File a local police report and get a copy of the report to your bank, credit card company or others that may need proof of the crime. 

The Federal Trade Commission (FTC) is the federal clearinghouse for complaints by victims of identity theft. Although the FTC does not have the authority to bring criminal cases, it can assist victims. You can file a complaint with the FTC by visiting their website or calling toll-free (877) ID-THEFT (438-4338).



You have the right to a free credit report from or 877-322-8228, the ONLY authorized source under federal law.

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