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FREQUENTLY ASKED QUESTIONS about the EQUIFAX Breach 

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 wifi) 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 of not your information was exposed.  You can sign up at https://www.equifaxsecurity2017.com/ .  Also, monitor your credit reports by getting 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. 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.  And 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.  To contact all three major credit bureaus, call the numbers below:

Equifax: 800-349-9960

Experian: 888-397-3742

TransUnion: 888-909-8872 

CARD VALET  Introducing the FREE* CardValet app!  You can save time and gain peace of mind knowing you can control the cards in your wallet with the phone in your pocket.  If you can't find your debit card, you can instantly lock the card to prevent fraudulent charges being made.  Don't worry; you can also instantly unlock the card when it turns up.  With CardValet you can also set spending limits, get purchase alerts in real time and limit transactions to a certain area using your phone's GPS, all while having the ability to personalize your own security settings to suit your busy lifestyle.  With convenience  like that, we may see less of you in the branch, but we're still here if you need us!  * Message and Data rates may apply.

FIRST FEDERAL'S FREE MOBILE BANKING - Manage your accounts at your convenience with FREE* Mobile Banking.  Check your balances, transfer money, and much more directly from your smart phone.  Mobile Banking is FREE* and offered through Online Banking during the registration process.  If you are an established Online Banking customer, simply sign in to Online Banking, click "Options", then scroll down to Mobile Banking and click "Enroll Now".   *Message and Data rates may apply.

FIRST WITH US ONLINE BANKING - is designed to help you manage your First Federal accounts quickly and easily, all from anywhere you use your computer! Checking balances, transferring money, and managing your First Federal accounts and paying bills on-line has never been easier!

FIRST FEDERAL PERSONALIZED DEBIT CARDS - Your Card, Your Way!  Show off your style with a personalized debit card. 

FIRST FEDERAL'S FREE ONLINE 'BILLPAY' SERVICE. Receive and pay any bill online, – no checks, no stamps. Private, secure, and protected by the CheckFree 100% guarantee. A service for First Federal customers.

FIRST FEDERAL'S FREE "eStatement". Go Green...It's SAFE, SECURE, SIMPLE and FREE.  Sign up today to receive your monthly statements by e-mail instead of mail delivery. It's just like your regular statement with images...delivered securely and quickly to your e-mail address! Best of all, it's FREE!

HOME EQUITY LOANS - GET YOURS NOW - Find out current programs and apply now to get the best rates. Choose from several plans available.

ACCOUNT BALANCE BY PHONE - Now, check your account at any time on our info line: 1-888-729-6434!

Email your internet banking questions and comments to: info@firstwithus.com.

 

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