Identity theft occurs when someone illegally obtains your personal identification information, such as your Social Security Number, Credit Card Number, Bank Account Number, or other identification, without your permission, and uses it to open accounts or initiate transactions in your name.
Identity Theft Tips
- Report lost or stolen debit / credit cards immediately.
- Sign all new debit / credit cards immediately.
- Keep a list of your debit / credit cards, expiration dates, and customer service phone numbers in a secure place in case you need to report lost or stolen cards.
- Watch debit / credit card expiration dates.
- Contact the issuer if you don’t receive a replacement card prior to the date.
- Do not carry your social security card or birth certificate and keep them in a safe place.
- Take debit / credit card receipts with you and don’t leave them behind.
- Secure your computer by ensuring that you have anti-virus and anti-spyware software and a personal firewall installed on your computer.
- Destroy private records, documents, and statements that contain personal information when you are done with them.
- Never give out your mother’s maiden name or bank account, credit card, and social security numbers over the telephone (unless dealing with a trusted business).
- Expect your monthly financial statements. Notify your financial institution if you do not receive them.
- Review your Bank and financial statements to verify all transactions were legitimate.
- Do not use your social security number, mother’s maiden name, date of birth, or any part of your name when creating passwords or PINS.
- Do not reply to, or click on, a link in an e-mail that warns you (with little notice or prior legitimate expectation) that an account of yours will be shut down unless you confirm billing or other account information. Contact the company referenced in the e-mail by using a telephone number or other form of communication that you are sure is legitimate.
- Beware of mail, e-mail, or telephone calls informing you of prizes or awards, especially if they ask for personal or financial account information.
- Make photocopies of information in your wallet and / or purse, including both sides of your drivers’ license and any debit / credit, ATM, or merchant cards you carry with you.
- Review your Consumer Credit Reports regularly. By law you can receive a free credit report each year. Look through the report carefully to see if there is any suspicious activity. If so, contact your debit / credit card company immediately.
Fraud is on the rise – but there’s something you can do about it. Stay two steps ahead with Kasasa Protect – affordable, comprehensive protection for your personal and financial information. *
Add this service to your checking account and enjoy more peace of mind – get 24/7 credit monitoring, identity theft protection, and more. This one-stop defensive strategy is like armor for your personal data. Activate Kasasa Protect today by calling us at 217-347-7173 or visiting any of our 3 convenient locations.
- Comprehensive identity protection and restoration solution*
- Employs around-the-clock monitoring for fraudulent activity
- Immediately alerts you to any suspicious activity
- Quick, hands-on process of restoring your information should fraud occur
- Full suite of offerings, including:
- 24/7 credit monitoring
- Annual credit reports
- Monthly credit score and tracker
- Dark Web monitoring
- Lost wallet protection
- Identity restoration
- Coverage from every angle provide peace of mind
- Funds directly deducted from your checking every month – no credit card needed!
- Exclusive pricing for all Kasasa Cash® Checking account holders – $7.99 per month
- All other checking account holders – $14.99 per month
- Not locked into a contract; no time commitment necessary
Activate Kasasa Protect in minutes
Upon enrollment, Kasasa Protect starts working immediately. However, be sure to log in and verify your identity so that you can get the most value out of this service. Just check your email for your activation link or visit secure.kasasaprotect.com.
*Optional Add On Service:
Washington Savings Bank offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to your Kasasa Cash®, Cash Back®, Tunes® or any other Washington Savings Bank checking account. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (“opt-in”), (b) charges a separate monthly fee and (c) can be cancelled at any time.
Kasasa Protect: Identify Fraud Protection And Restoration Services
“Kasasa Protect: Identify Fraud Protection And Restoration Services” collectively includes the following comprehensive services (collectively “Services”):
(1) Credit Services: (a) Reports: an annual credit report from Experian; (b) Scores: a monthly credit score from Experian; and (c) Plotter: a visual twelve (12)-month history of the consumer’s monthly credit scores from Experian.
(2) Monitoring Services: (a) Public Records: Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information including social security numbers; phone numbers; email addresses; bank account and routing numbers; credit and debit cards; and medical identification numbers; (c) Credit Bureau: monitors for and will provide an email or text alert if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer’s Experian credit file; Credit monitoring offerings monitor only the credit file associated with the purchasing consumer, and do not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus.
3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services: Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.
Terms & Conditions
Kasasa Protect services are provided by CSID, a part of Experian Information Solutions, Inc. (“Experian”). There are two (2) Kasasa Protect terms and conditions, one governing the program’s Services and the other governing the program’s online portal, which you must agree to:
(1) Services: Terms & conditions can be retrieved at a Washington Savings Bank location
(2) Portal: Terms & conditions can be retrieved online by using the following link: https://secure.kasasaprotect.com. (“Portal”)
Kasasa Protect services are provided for a monthly fee of $14.99 per month per person, or $7.99 per month per person if you are a Kasasa accountholder which will automatically be debited from your account on the third (3rd) of each month. Fees begin on the third (3rd) of the month following your enrollment date and will end one (1) day after Washington Savings Bank has processed your cancellation request.
Changes & Modifications
Kasasa Protect’s Services, fees, and providers are variable and may change with proper notification from Washington Savings Bank. Changes in terms, conditions, services, fees and / or providers, if any, will be posted on the Kasasa Protect site located at
https://secure.kasasaprotect.com. We encourage you to refer to this site on a regular basis for Services information.
To enroll in Kasasa Protect you must meet all of these conditions: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, (3) register and maintain your unique email address (joint accountholders must each provide unique email addresses for this service) via the Kasasa Protect online portal.
To receive Kasasa Protect’s Services, you must (1) agree to the Kasasa Protect Services’ Terms & Conditions and (2) establish the Services’ monthly billing and (3) provide an accurate email address. Upon completing these three activities you will be enrolled in the program. The date upon which these activities are completed will be your enrollment date.
Within one (1) business day after Enrollment, Kasasa Protect will provide you with an email that includes a link to https://secure.kasasaprotect.com and your subscriber number. After entering your subscriber number, you must verify your personal information. You agree to provide accurate, current and complete information about yourself. You agree to not misrepresent your identity. You also agree to maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated. (“Verification”).
Portal Alerts & Notifications
Upon verifying your personal information and agreeing to the terms and conditions associated with the Kasasa Protect portal, you will be able to receive alerts and notifications through the portal. Email notifications will be sent to the email address you maintain at https://secure.kasasaprotect.com. You understand, acknowledge, and agree that in order to receive the full complement of Services, including receiving Services’ alerts and notifications via the Kasasa Protect portal, you must first verify your identity and register and maintain your email address at: https://secure.kasasaprotect.com.
Availability of Services
All items under these three (3) comprehensive services are available to you as identified below.
(1) Credit Services: After verification, you will be able to view all items listed under Credit Services, including credit information and alert details via the portal.
(2) Monitoring Services: All items listed under Monitoring Services will begin upon Enrollment. Viewing of Monitoring Services alerts is available upon Verification.
(3) Restoration Services: All items under Resolution Services are available upon Enrollment.
You may cancel your Services at any time by notifying us of your decision to cancel. Written notices should be sent to Washington Savings Bank, 200 S. Banker St. Effingham, IL 62401. Verbal requests should be directed to 217-347-7173. Cancellations may take one (1) or more business days to process. The Services’ monthly fee will not be charged for the following month after a cancellation request has been processed by us. Your current month’s fee will not be reimbursed or prorated.
Closure of Checking Account
Should your checking account be closed by you or Washington Savings Bank, any add-on products / services associated with that account, including Kasasa Protect will also be terminated at the same time. Your then current month’s account and/or Kasasa Protect fees will not be reimbursed or prorated. The monthly fee(s) will not be charged for the month following termination.
(1) Federal Notice. Even without our plan, you have the right to a free credit report from each of the three major credit bureaus through annualcreditreport.com or 877-322-8228, the only authorized source under federal law. (2) Washington Savings Bank. Washington Savings Bank shall not have any liability for the accuracy of the information contained in the credit reports provided through these Services including any liability for damages, direct or indirect, consequential or incidental. Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, and Kasasa Protect are trademarks of Kasasa, Ltd., registered trademarks of Experian Information Solutions, Inc.
Email & Website Fraud (Phishing)
Phishing is a method of e-mail fraud in which the perpetrator sends out legitimate-looking e-mails in an attempt to gather personal and financial information from recipients or to direct recipients to a fraudulent website. These e-mails can look very convincing.
Common Features Among Phishing E-mails
- Urgent appeal – the message may threaten some consequence if you do not respond.
- Request for Information – there may be a request to update or validate certain personal information.
- Typos and errors – often the message is poorly written or has spelling errors within the message.
Tips to Prevent Being Phished
- Do not reply to an e-mail or pop-up message that asks you for personal financial information.
- Do not click on links in an e-mail or pop-up message that asks you for personal financial information.
- Do not cut and paste a link from an e-mail or pop-up message that asks you for personal information into your web browser; Links can look like they go one place, but they can actually send you to a different site.
- Some scam e-mails appear to be from a legitimate business and ask you to call a phone number to update your account or access a “refund.” Call the number on your financial statement, company website, phone book, or on the back of your debit / credit card if you need to reach an organization you do business with.
- Use anti-virus and anti-spyware software, as well as a firewall, and update them all regularly.
- Do not e-mail personal or financial information.
- Review your bank account and credit card statements immediately for unauthorized charges.
- Be cautious about opening any attachment or downloading any files from e-mails you receive regardless of who sent them. These files can contain viruses or other software that can weaken your computer’s security.
Reporting Scams or Identity Theft
If you think you’ve been a victim of identity theft, Washington Savings Bank customers should contact us immediately at 800-836-7173. We will secure your Washington Savings Bank accounts and help with an identity theft toolkit for other financial relationships.
To report fraud to the Credit Bureau, call:
For more information on Identify Theft and other account fraud, visit the following websites:
Washington Savings Bank Notice
Washington Savings Bank uses a third party Fraud Detection Service to help safeguard your account. You may receive a call from this service asking you to confirm certain transactions on your account that appear to be out of your normal activity. They will never request any confidential information such as account number, social security number or PIN number. If you have any questions about this service please call our office at 217-347-7173.
Never give out and any personal information unless you have originated a voice or in-person conversation and we are requesting this information for identification reasons. Never give out your PIN number or password to anyone, including Washington Savings Bank staff. Emails from legitimate sources such as a bank or the FDIC can be faked!
When entering our website only enter directly through your browser at www.washingtonsavings.net. Never allow another website such as a search engine or other website or bookmark to transfer you to our website. Websites can be faked if not entered directly!