Security Center

YOUR SAFETY IS

Our
Priority

At Capital Bank, we are committed to helping you protect yourself and your accounts.

Knowledge is your best defense against fraud and identity theft, and we’ve gathered a variety of resources and best practices to help you stay informed and secure.

From preventative steps to what to do if you’re a victim of fraud, our Security Center is designed with your safety in mind.

Identity Theft Protection

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Large-scale data breaches are becoming more common, making identity theft protection more important than ever. Here’s how you can safeguard your personal information:

Monitor Your Credit Reports.

Check your credit report regularly at AnnualCreditReport.com or call 1-877-322-8228.
Federal law entitles you to one free credit report per year from Experian, Equifax, and TransUnion.
Review your report for suspicious accounts or activity you don’t recognize.

Report Identity Theft Immediately.

If you believe you’ve been targeted, visit ftc.gov/idtheft for step-by-step guidance.
Contact the credit bureaus to freeze your credit, preventing unauthorized accounts from being opened in your name.
Monitor your existing bank and credit card accounts for fraudulent charges, even if you have a credit freeze in place.

Watch Out for Phising Scams.

Never share personal information (credit card numbers, Social Security numbers, passwords) via email or text.
Legitimate companies will never ask for sensitive data through email or text messages.
If you receive a suspicious message, delete it immediately and do not click on any links.

Identity Theft Prevention

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Identity theft happens when someone uses your personal information—such as your name, address, Social Security number, credit card details, or passwords—without your consent to commit fraud.

Here’s how to reduce your risk:

Common Identity Theft Tactics & How to Avoid Them
Email Fraud (Phishing): Fraudsters send emails that appear to be from banks, credit card companies, or trusted organizations, asking you to “verify” personal details. Never respond or click on links in unsolicited emails.
Phone Scams (Vishing): Scammers call pretending to be from your bank, asking for personal or financial information. If you didn’t initiate the call, hang up and contact your bank directly.
Payment Fraud: Criminals may steal your credit card, debit card, or check details to make unauthorized purchases. Monitor your transactions and report suspicious activity immediately.
Mail Fraud: Personal documents containing financial details (such as bank statements and credit card bills) can be stolen from your mailbox or trash. Shred sensitive documents before disposal and opt for electronic statements when possible.

If you suspect identity theft, take action immediately to limit potential damage.

Protect Your Mobile Device from Fraudsters

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(Excerpt from the American Bankers Association, aba.com)

The increased popularity of Mobile Banking has caught the attention of fraudsters. According to a survey by the ABA, two in five Americans (39%) use a mobile device to manage their bank account at least once per month. ABA suggests following these 12 steps to protect your mobile device:

Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
Log out completely when you finish a Mobile Banking session.
Watch out for public Wi-Fi. Public connections aren’t very secure, so don’t perform banking transactions on a public network.
Use caution when downloading apps. Apps can contain malicious software and viruses. Beware of apps that ask for unnecessary “permissions.”
Download the updates for your phone and mobile apps.
Avoid storing sensitive information like passwords or a social security number.
Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
Wipe your mobile device before you donate, sell or trade it.
Tell your financial institution immediately if you change your phone number or lose your mobile device.
Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings.
Protect your phone from viruses and malware just like you do for your computer by installing mobile security software.
Report any suspected fraud to your bank immediately.

Additional Resources Your Mobile Device from Fraudsters

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