Fraud Prevention Hub
Fraud Prevention Hub
Fraud Prevention, Security & Privacy Resources
- Shred or destroy all documents containing personal information that could be used to compromise your identity. Look for a local shred-a-thon in your neighborhood.
- Store important documents such as Social Security cards, birth certificates, passports, real estate deeds and legal documents in a safe deposit box. Ocean offers a range of safe deposit box sizes for rental at a branch near you. Find a branch
- Do not give personal, bank or credit card information to someone you do not know who contacts you by phone or email
- Avoid storing your car registration and automotive insurance card in your vehicle
- If you plan to be out of town for an extended period of time, take advantage of the U.S. Postal Service free hold mail service
- Avoid mailing correspondence that includes personal information in a curbside public or unlocked mailbox
- Change your passwords frequently not only for access to your bank accounts, but also with online merchants where you shop regularly
- Keep a list of the online merchants where you have an account and if you no longer use that merchant, close the account
- Slim down your wallet and carry only the cards and documents you really need. Take photos instead of carrying paper or plastic.
- How to protect against Cyber Attacks:
Get more information on identity theft protection, as well as details on how to report suspected identity theft from federal agencies and educational organizations
Federal Trade Commission
Report fraud and identity theft
What to do if your personal information is stolen in a data breach
Consumer Financial Protection Bureau
- Regulary monitor your account activity online or carefuly review your paper statement
- Avoid mail fraud by signing up to receive eStatements:
- Sign in to Online Banking
- Select Accounts
- Select eStatements
- Be aware of email and text fraud. Ocean Bank will never send you an email or text message requesting your account number, Social Security Number or other personal information.
- Instead of mailing paper checks, send money electronically – for free1. Options include Zelle® and online transfers in Online and Mobile Banking.
- Sign up to receive eBills, and for personal accounts, enroll in Bill Discovery to automatically add bill payee information, saving time and reducing errors.
- Buy from online stores and sites you know and trust and make sure you log out when you have completed your transaction
- Load your Ocean Bank credit and debit cards to your Digital Wallet for a secure, contactless way to pay See what you can do
- Avoid using public computers to make online purchases
- Look for secure website URLs starting with “https” in the left of the browser bar at the top of the screen
- Consider getting a credit card with a low limit to use just for online purchases to minimize your potential exposure
Get a head start on protecting your bank accounts and identity by understanding cybersecurity terms:
- Encryption - Encoding of information that makes it unreadable
- Firewall – Virtual barrier on your computer that prevents the transmission of certain types of information
- Identity Theft - Someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception, typically for financial gain
- Malware - Software with the potential to harm programs installed on your computer and prevent them from operating as intended
- Phishing - Email messages intended to solicit personal information for wrongful purposes
- Smishing (SMS text phishing) - Text messages from fraudsters who want personal information for wrongful purposes
- Spam - Email from unsolicited sources, primarily marketers
- Virus – Code that prevents computer programs from operating as intended
- Vishing – Scams perpetuated using phone calls and voicemail messages
- Whaling - Spam that specifically targets corporate executives (big fish)
- Avoid carrying cards by uploading them to your Digital Wallet. Find out how >
- Let us know when you plan to travel, and we’ll monitor your Debit Mastercard® for unusual activity:
- Sign in to Online Banking
- Select Accounts
- Select Request Forms
- Avoid keeping your debit card PIN near your card – and never write the PIN number on your card
- Report a lost or stolen debit or credit card immediately
- Your loss could be limited to $50 if someone uses your Debit Mastercard® without your permission if you report it right away by calling Ocean Bank at 305-529-5118 or 1-866-719-1286
- If your Ocean Bank credit card is lost or stolen, with Zero Liability Protection from Mastercard® you won’t be liable for any unauthorized purchases. You’ll pay only for the purchases you authorize that are made in the store, over the telephone, online or via a mobile device and ATM transactions. Call 1-866-839-3485 to report a lost or stolen credit card or unauthorized use of the card. Representatives are available 24/7 to assist you, including sending you a replacement card and an emergency cash advance if you need it.
- If you have an Ocean Bank credit card and your identity or personal information is compromised, Mastercard® ID Theft ProtectionTM services provide expert help from certified identity theft resolution specialists
Additional Resources
Mastercard® benefits may change at any time and without notice. Some benefits have limitations, exclusions, require enrollment and are subject to additional requirements for coverage. For more information on any of these services, call the Mastercard Assistance Center at 1-800-Mastercard (1-800-627-8372).
1 U.S. checking or savings account required to use Zelle®. Transactions between enrolled users typically occur in minutes. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.