Online Banking

Identity Theft Protection & Resources

The rise of the Internet has revolutionized the way we all communicate and transact business. The convenience provided by the Internet is, by now, something that we have all come to rely on and expect. These factors have increased the opportunity for criminals to steal your personal and financial information. identity theft is on the rise, but there are ways to protect your information. Some tips are listed below.


  • Use antivirus software and keep it updated.
  • Use all security features provided by your PC software, operating systems, and browsers.
  • Verify that your browser uses the strongest level of encryption available. Be aware of encryption levels when you connect to online sites and applications. 128-bit encryption, as used by Commercial Bank’s Online Banking site, provides a higher level of security that other encryption levels.
  • Only use software from trusted vendors.
  • Use firewalls to protect your Internet connection from intruders.
  • When downloading or running programs with Java or ActiveX applets, be extra careful. They may contain unsecured data that may not be recognized by antivirus software
  • Perform back-ups of data stored on your computer.
  • Download and update all security protection and operating system patches.
  • Do not share your computer with strangers. Do not view financial or personal information when using public computers.
  • Keep all browsers updated to the most recent version.


       Be cautious when opening emails from unknown sources.
  •  Do not open or launch attachments from an unknown source. If in doubt, delete the attachment.
  • Do not provide personal information, passwords, or financial information in unsolicited emails, pop-up windows on the Internet, phone calls, or faxes. Identity thieves are adept at asking you for your information in such a way that the request seems official and urgent. If you are not familiar with the person requesting information, never give out any information, no matter how official it seems.
  • Do not provide your email address to websites without reading their privacy and security policies for how your email will be used and shared.
  • If you receive an email from a company with whom you are familiar, do not use the links provided in the email to provide personal or account information. Instead, log in directly to your account on the company’s website and provide information from there.
  • Shred unnecessary financial documents such as bank statements and credit card offers.
  • If regular bills or statements stop appearing in the mail, contact those companies and verify your address information.
  • Promptly remove mail received in your mailbox and do not leave outgoing mail in your mailbox. This prevents criminals from stealing your personal information.


There are times that our employees may contact you by phone with questions regarding your account. If you are not familiar with this employee, or the call is unexpected or suspicious, please hang up and call our main office at 606-743-3195.

We will not contact you by email to ask for your personal infomation or your account number. If you receive emails asking for this information, please call our main office at 606-743-3195.


  • Use hard-to-guess passwords and change them frequently.
  • Do not share your passwords with others or save them on your computer.
  • Do not leave written notes near your computer that contain your passwords.
  • Always log out of sessions before visiting other sites and never leave your computer unattended while in use .
  • If you feel that there has been suspicious activity regarding your access to your Online Banking account, please contact us immediately at 606-743-3195.


According to the US Government’s central website for information regarding identity theft, if you suspect that your identity has been stolen, you should immediately:

  • Contact the credit bureaus.
    • Contact the fraud departments of each of the three major credit bureaus and report that your identity has been stolen.
    • Ask them to place a fraud alert on your file and to deny any new credit without first contacting you for approval.
    • Review all accounts on file at the Credit Bureau. If any accounts were fraudulently opened or accessed, contact the security departments for each of those institutions. Close those account and open new ones, placing passwords on your new accounts.
  • File a police report in the area where the identity theft took place. Get a copy of the report to provide to banks, credit card companies, etc. in the future if they need proof of the crime.
  • If your financial information has been compromised, contact your financial institutions and credit card issuers to close your accounts and open new ones. Review your statements and monitor your transactions.


Identity Theft Fraud Reporting 
Federal Trade Commission1-877-ID-THEFTSocial Security - Report Fraud1-800-269-0271
Privacy Rights Clearinghouse1-619-298-3396Federal Trade Commission/Consumer Complaints1-877-FTC-HELP
Identity Theft Resource Center1-858-693-7935  
Fraudulent Use of Checks


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