Frequently Asked Questions (FAQs)


What is identity theft?
Identity theft occurs when someone uses your personal information without permission and in order to commit fraud. Your personal information may include Social Security number, birth date, mother’s maiden name, passport information, and additional information that is not readily available for public use. In this case, your personal information would be used to impersonate a victim with the intent to commit fraud. « Back to top
How can my identity get stolen?
Identity theft can occur from a number of sources. Your personal information may be taken from:
  • Stealing your wallet, purse, or checkbook
  • Phishing or obtaining your information through email scams or fraudulent websites
  • Illegally gaining access to a computer where personal information is stored
  • Removing mail from your mailbox or going through your trash to find receipts or statements
  • Other scams aimed to gather your personal information
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How can I find out if my identity has been stolen?
You should regularly monitor your accounts and financial statements to identify any discrepancies and check your credit report on a regular basis. You may learn that your identity has been stolen if you begin to have problems with your credit history when you apply for a loan, if collection agencies contact you for overdue debts, or if you receive notifications about a job or property you have never had. « Back to top
What should I do if my identity has been stolen?
You should immediately contact the credit reporting agencies, law enforcement, and your financial institutions to notify them of the identity theft. More information about the identity theft alert and recovering process can be found on the Federal Trade Commission website. « Back to top
What is phishing?
Phishing is the fraudulent act of emailing a consumer in attempt to gather private information by claiming to be an established business. The email will direct the recipient to a false website where they are asked to update person information like passwords, account numbers, Social Security numbers and other private information. The purpose of phishing is for identity theft and unauthorized account activity. « Back to top
I have received an email from your company asking for my personal information to verify my account. I have been asked to provide my Social Security number, account number, mother’s maiden name, or address. What do I do?
Mountain Commerce Bank will never request that you supply your personal information by email or over the Internet. We obtained all of the necessary information from you when your account was established. We have no reason to request this information from you after the account establishment. You may have been targeted as part of a phishing scheme. Do not respond to the inquiry and contact your nearest branch location. « Back to top