Privacy & Security Policies


Full Privacy Policy


Security Policy

At Wilmington Savings Bank, the safety and security of your account information is vitally important to us. Our security specialists continuously review all of our security safeguards so that we employ the latest technology to ensure that all financial transactions, data transmissions, and communications are completed in a secure environment. Our online security includes multi-authentication password protection, data encryption and firewalls to help prevent unauthorized access to your personal and financial information. In addition, we employ a third party provider to scan our network 24/7 for any potential vulnerability.

In order to keep your account information secure, we need your help in safeguarding information by taking various precautions to:

  • Protect your Personal information using our Security Checklist
  • Learn about Fraud and Identity Theft 
  • Reporting Suspicious Activities 

Wilmington Savings Bank will never request personal information such as social security number, password, or PIN number from customers via email, pop-up window, or third party telephone solicitation. If you ever receive a request for this information do not reply, and immediately contact the bank to notify us of the attempt to obtain your information. If the request was received by email please forward a copy of the email here

If you have any questions or problems regarding the security of your account information please contact any Wilmington Savings Bank representative or email us using the quick contact link.


SECURITY CHECKLIST

At Wilmington Savings Bank, the protection of your account information is a team approach. We have implemented state-of-the art technology to prevent intrusions but also provide suggestions that you can use to ensure your account safety.

Protecting your account information:

  • Never provide account information over the phone, via email request, or from a third party solicitor unless you know and trust the source.
  • Be suspicious of email requests for financial or personal information. Reputable firms will not ask for this information via email.
  • When shopping online, make sure the website uses a secure portal to store personal information.

Protect your Passwords:

  • Never share your passwords or PIN numbers.
  • Choose a password that you remember without having to write it down.
  • Use a mix of capital and lowercase letters, special characters, and numbers.
  • Change Passwords and PIN numbers periodically.


Protect your computer by:

  • Installing Anti-virus and Spyware software
  • Downloading software only from sites that you know and trust.
  • Using a browser with at least 128-bit encryption.
  • Keeping your operating system up to date.
  • Installing a firewall to prevent unauthorized intrusions.
  • Never opening unsolicited emails or attachments.


Protect Yourself by:

  • Regularly reviewing your account statements for accuracy or unexpected transactions.
  • Obtaining and reviewing your credit report for inaccuracies or unexplained accounts.
  • Shred unsolicited mail or credit card offerings that contain your personal information.
  • Shred receipts, credit card or bank statements before disposing of them.


FRAUD PREVENTION 

Fraudulent activities related to banking transactions have increased substantially as criminals are using email solicitations, prize and lottery scams, text messages or recorded telephone messages to obtain your personal information.

Wilmington Savings Bank will never request personal information such as social security number, password, or PIN number from customers via email, pop-up window, or third party telephone solicitation. If you ever receive a request for this information do not reply, and immediately contact the bank to notify us of the attempt to obtain your information. If the request was received by email please forward a copy of the email here


IDENTITY THEFT

Identity theft occurs when an authorized person or persons obtain your personal information in an attempt to fraudulently obtain money from your accounts, open credit cards, apply for loans, or use your identity for other criminal behaviors. Crimes involving identity theft or impersonation are one of the fastest growing activities that are reported to the Federal Trade Commission. These crimes are committed in person, through the use of the internet, by telephone, or mail. 

Wilmington Savings Bank is committed to protect customer’s information through the use of data encryption, firewalls, and multi-authentication password protection. In addition, the bank is requiring additional forms of identification for over-the-counter transactions. We encourage all of our customers to review our Security Checklist so you can help us in our efforts to secure your personal information.


REPORTING SUSPICIOUS ACTIVITIES

Paying close attention to your bank account activity online is one of the best ways to ensure the accuracy of all transactions and stop fraudulent activity quickly. If you encounter a suspicious activity or transaction involving any of your accounts, please notify the bank immediately at (937) 382-1659 or (800) 951-9958. We will make suggestions, including placing a hold on the account, to remedy the situation quickly to prevent further abuses.

If you receive a suspicious email that uses Wilmington Savings Bank’s name, please keep a copy of the email or forward it here with an explanation of the incident. 


REPORTING IDENTITY THEFT

If you believe that you have become a victim of identity theft here are the steps that you should take to report it:

  • Notify a Wilmington Savings Bank representative at 937-382-1659 or 800-951-9958.
  • Contact any other financial providers where you have accounts.
  • Contact your local police department and ask to file an Identity Theft report. Having a police report may help you expedite the cleanup of your credit records.
  • File a complaint with the Federal Trade Commission (FTC). The FTC’s Identity Theft hotline phone number is 877-438-4338. The hotline is staffed by counselors trained to help victims and take their complaints. If you have internet access, you may file a complaint online 
  • Contact one of the three major credit bureaus to report the incident and ask to have a fraud alert placed on your file. Once filed, the other two credit bureaus will be contacted to place fraud alerts on your behalf. There is no charge for this filing. You should also provide your request in writing to confirm your claim.


CREDIT BUREAUS

EQUIFAX: EQUIFAX.COM

To Obtain Information, call 800-685-1111

Report Fraud, call 800-525-6285

TDD 800-255-0056

And Write to: Equifax Consumer Relations P. O. Box 740241 Atlanta, Georgia 30374-0241


EXPERIAN: EXPERIAN.COM

To Obtain Information, call 888-397-3742

To Report Fraud, call 800-397-3742

TDD 800-972-0322

And Write to: Experian Customer Relations P. O. Box 2002, Allen, Texas 75013


TRANSUNION: TRANSUNION.COM

To Obtain Information, call 800-916-8800

To Report Fraud, call 800-680-7289

TDD 877-553-7803

FAX 714-447-6034

And Write to: Fraud Victim Assistance Department

P.O. Box 6790, Fullerton, California 92634-6790


Request your Free, Annual Credit Report

Online: https://www.annualcreditreport.com>

By Phone; 877-322-8228

By Mail: Download the order form

Mail to: Annual Credit Report Request Service, P.O. Box 105281 Atlanta, GA 30348-5281