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Tips to monitor and prevent identity theft and financial fraud

Turn your debit card off when not in use

Our online and mobile banking feature, Debit On/Off, allows you to switch your Visa® debit card on or off to help protect your account. To take extra precaution, we recommend leaving your card off while not in use. You can simply turn your card back on using your mobile device whenever needed. Debit On/Off is available on all qualifying checking accounts.

Watch a video tutorial on our Debit On/Off feature >

Set up online banking alerts

Online banking Alerts allow you to set up notifications for a variety of account activities including transfers, deposits, withdrawals and more. It's a great tool to monitor and detect any suspicious activity with your Heritage accounts.

Click here for additional information on online and mobile banking >

Create strong online passwords

Creating a strong password is one of the most important things you can do to keep your online accounts safe and secure. Here are a few tips on how to create a strong password, according to Google.

  • Use a unique password for each of your important accounts
  • Use a mix of letters, numbers and symbols in your password
  • Don't use personal information or common words as a password

For additional password tips, click here >

What to do if you're a victim of financial fraud

Consider a credit freeze

Putting a security freeze on your credit report can prevent identity thieves from opening accounts in your name; however, it will also prevent lenders and others from accessing your credit report, which will prevent them from extending credit. 

View this credit freeze FAQ that will help answer any questions you may have >

Report fraud to the authorities

Contact government agencies, like the Federal Trade Commission (FTC), as well as your lending partner and/or financial institutions to report any fraudulent activity you've come across.

Don't forget to follow up with the companies and agencies you contacted to review the results of their investigations. is a great resource to help report and recover from identity theft and financial fraud >

Continue to review your credit report

For ongoing protection, periodically review your credit report.

You can view your credit reports for free once each year >

°NBC News, Identity Fraud Hits Record Number of Americans in 2016

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