June 2024 Email Contents
Protect Yourself
from Check Fraud
Do you send paper checks through the mail? Do you know how to protect yourself against check
fraud?
Mailing a paper check from your home mailbox or a postal drop box is the most unsafe way to pay your bills. Thieves often steal checks and use chemicals to remove the ink, then they change the payee’s name and amount to whatever they want. Sometimes they take it a step
further and sell your account information online.
Whether you are paying bills from your personal account or business account, take these ten steps to protect yourself from check fraud.
- Use Online Payment Services: Whenever possible use secure online payment methods to eliminate the risk of paper checks being stolen or altered.
- Monitor Your Accounts:
Use online banking and mobile banking daily to monitor your accounts. Be sure to set up text or email alerts to notify you of unusual account activity. Don’t wait for the end-of-the-month statement.
- The Pen Matters: Write your checks using a non-erasable black gel pen. Black ink is more difficult to remove
than blue and the gel ink soaks into your check, making it harder to bleach away.
- Direct Post Office Drop-Off: Place your check in a security envelope before mailing. Take it directly to the post office and hand it to an employee to ensure secure handling. If you have to place your
payment in a mailbox, drop it off at a secure postal collection box inside the post office right before collection time.
- Secure Mail Handling: Use a locked mailbox for receiving mail and don’t let delivered mail sit in your mailbox. Pick it up right away. When traveling out of town, arrange for
the post office to hold your mail for you until you return.
- Monitor Check Clearing: Review your account alerts and paid transactions regularly to verify when your checks clear and ensure the amounts match what you originally wrote.
- Check Image Verification: Review your paid check images to ensure the payee and amount haven’t
been altered (also look at the back of the check where it’s endorsed).
- Limit Personal Information: To reduce the risk of identity theft, avoid including unnecessary personal information on your checks such as your Social Security number, driver’s license, or telephone number.
- Keep
Checks Secure: Store your blank checks in a secure location
to prevent unauthorized access. Properly dispose of old or unused checks by shredding them to prevent them from falling into the wrong hands.
- Educate Yourself: Stay informed about common check fraud methods and scams to better protect yourself against potential threats.
And remember, if there is unusual or suspicious activity on your account,
notify us immediately. The sooner you report it, the better chance we have in helping you recover your funds.
What to do if you’re a victim:
- Contact us immediately at 877-226-5820
- File a report with your local police department or sheriff’s office.
- Contact the United States Postal Inspection Service at
https://www.uspis.gov/report or
call 877-876-2455
- Consider using
an identity theft protection service to help secure any compromised information.
Learn more safety tips and ways to improve your financial well-being by exploring Money iQ and our other financial literacy materials at https://www.bankbac.com/EducationCenter.
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Alyssa Barger Promoted
Alyssa Barger is one of our latest employees to advance her career at BAC. She has moved into a new position as manager of our Cal-Weber Branch in Downtown Stockton. In
her new role, she will be
able to use her inherent people skills and exuberant personality along with the commercial banking and problem-solving skills that she strengthened in past roles through the guidance of our executive team and relationship managers.
Since the beginning of 2023, BAC Community Bank has been able to
promote 16 employees to new roles
of responsibility. We are proud of our record of promoting from within. This is the foundation of our long-term employees with a deep level of banking expertise who build lasting relationships with their team members, our customers, and the community.
Alyssa can be reached in person
at the Cal-Weber Branch or by
telephone at (209) 444-3211.
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Tip Tuesday: Mobile Deposit
If you are following us on social media using @BACCommunityBank, you already know about our Tip Tuesdays. (If you are not following us, please visit www.bankbac.com/social for links to our official social media
posts.)
Each Tuesday we post either a
financial tip or a tip to help you better utilize your banking services with BAC Community Bank. See below for an example of a recent post.
Making a Mobile Deposit to your personal account is easy when using our app. Simply click
Menu > Deposits > Deposit A Check and follow the instructions.
Be sure to properly endorse the back of the check with
your signature and the phrase
"For mobile deposit only at BAC
Community Bank" before making the deposit.
For an interactive click-thru demo and helpful how-to video, please visit www.bankbac.com/pmb
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Split Summer Vacation Expenses with Zelle®
Splitting the cost of travel should always be fast and easy. Keep summer light and breezy with Zelle®, a great way
to
split
travel costs among family, friends and others you trust.1 Simply log in to your mobile banking app to start using
Zelle®.
Visit www.bankbac.com/zelle to
learn more.
1U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes.
Data
charges may apply. Check with your
mobile phone carrier for details.
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Disclosure Updates - August 1,
2024
BAC Community
Bank
periodically reviews
account disclosures
and makes updates when new or enhanced services are launched. We are currently preparing the following updated disclosures for an effective date
of
August 1, 2024:
- Deposit Account Agreement
& Disclosure
- Business Deposit Accounts Fee & Information Schedule
- Personal Deposit Accounts Fee & Information Schedule
These
items will
be
uploaded to
our website
at www.bankbac.com/disclosures and available for your review later this month.
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Earn up to
$500
this Year through Refer-A-Friend
BAC
Community
Bank
customers
have an
opportunity to earn up to $500 each calendar year by referring friends, family, neighbors, co-workers, and others they know.
Each time one of
your
referred individuals opens a new personal checking account at BAC Community Bank and completes a few simple steps, you'll get $50
as a
"thank
you" for
introducing them
to us. (Maximum 10 paid referrals per calendar year, for a total of up to $500.)
Please see https://www.bankbac.com/refer
for
full details.
If you have used our referral program in prior years, go ahead and refer more new customers in the 2024
calendar year
by
logging in
to ReferLive
using the text link located below the Registration form on our Refer-A-Friend page at https://www.bankbac.com/refer.
If this will
be
your first time using our Refer-A-Friend program, simply fill out the Registration form on our Refer-A-Friend page at https://www.bankbac.com/refer
and
follow the
on-screen instructions.
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Thank You!
Thank you for
choosing BAC Community Bank as your banking partner. We value all our relationships and
appreciate
the opportunity to serve you.
Stay Connected Follow @ BACCommunityBank on your favorite social media platforms by using our official links
at https://www.bankbac.com/social.
