Identity Theft and Consumer Fraud

Protect Yourself

Our Commitment to You

Identity Theft occurs when someone uses your name, Social Security number, credit card number or other personal information without your permission to commit fraud. At The Jacksonville Bank we want to help ensure that your private information remains secure – at the bank and in all your transactions.  News about data breaches is almost an everyday occurrence but if your private information has been compromised, it doesn’t feel commonplace to you.

The sooner you find out, and begin damage control, the better off you’ll be. IdentityTheft.gov offers step-by-step checklists of what to do right away, and what to do next, depending on the information that’s been stolen or exposed. It lists warning signs indicating your identity was stolen, and gives websites and phone numbers for organizations you’ll need to reach. And, it has sample letters for disputing fraudulent charges, correcting information in your credit reports, and getting business records relating to the theft.
Check out
IdentityTheft.gov, bookmark it, and print out the checklists, as your first line of defense against identity theft.”

Substantial measures are in place at The Jacksonville Bank to protect your identity and your accounts against theft and personal fraud. Stringent bank privacy policies protect your personal and financial information. Password protection for online transactions helps ensure online security. Encryption of online transactions helps protect you against hackers.
Additionally, The Jacksonville Bank has joined with the Federal Trade Commission to help raise awareness with consumers like you and to help you reduce your risk of becoming a victim. We invite you to utilize the resources found on this website. If you have any questions regarding the safety of your information, you may contact us at 904-421-3040.

Here are some simple precautions you can take to help keep your personal information safe:


  • Review your credit reports frequently. For a free copy of your credit report go to www.annualcreditreport.com or call toll free 1-877-322-8228.
  • Do not place outgoing mail in your residential mailbox.
  • Implement a clean desk policy at home.
  • Never give personal information over the telephone or internet.
  • Beware of mail, e-mail and telephone solicitations.
  • Invest in a shredder that makes tiny pieces of confetti.
  • Never leave receipts at ATMs, bank workstations, trash receptacles, or unattended gas pumps.
  • Sign all credit cards upon receipt.
  • Use a blue or black gel ink pen when signing checks and credit cards.
  • Review your credit card statement as soon as it arrives.
  • Check all your personal and business accounts frequently.
  • Always shield your pin numbers when using an ATM.
  • Only use essential information on your checks -- not birth dates or social security numbers.
  • Lock your blank check stock in a safe place.
  • If an investment proposition seems "too good to be true" it probably is.
  • Educate yourself about ID theft. Know your consumer rights.

Deter - Detect - Defend

A 10-minute educational video that provides an overview of identity theft and outlines the steps consumers can take

Federal Trade Commission ID Theft Reference Guide

Other Identity Theft Resources

  • Equifax (www.equifax.com) 1-888-766-0008
  • Experian  (www.experian.com) 1-888-397-3742
  • TransUnion  (www.transunion.com) 1-800-680-7289
  • On Guard Online:

Consumer Alerts

  • FDIC Consumer Alerts
  • Phishing
    "Phishing" is an e-mail scam involving fraudsters who pretend to be a legitimate business such as a financial institution, credit card company, online service provider, or retailer. Hiding behind the anonymity of the internet, they send out "official-looking" e-mails or set up bogus websites to trick you into divulging your account numbers, passwords, Social Security numbers, and other sensitive data.
    • How to Report Phishing:
      We suggest reporting phishing e-mails or spoofed websites to the following groups:
    • Forward the e-mail to reportphishing@antiphishing.org
    • Forward the e-mail to the Federal Trade Commission at spam@uce.gov
    • Forward the e-mail to the "abuse" e-mail address at the company that is being spoofed. (e.g., spoof@ebay.com)
    • Notify the Internet Crime Complaint Center of the FBI by filing a complaint on their website: www.ic3.gov

Protecting Yourself From E-mail and Other Types of Online Fraud


What You Can Do To Mitigate Risk Using Online Systems

  • Run a combination of both Anti-Virus and Anti-Malware/Spyware programs.  Allow these programs to keep themselves up to date and schedule full daily scans.  A good combination of security software is the strongest automated defense against a computer being infected with malicious code.
  • Be aware that phishing emails frequently have attachments and/or links to web pages that host malicious code and software. Do not open attachments or follow web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.
  • Never share your username, password, PIN or other similar information with anyone, including The Jacksonville Bank.  We will never ask for this information.
  • Access your online banking systems from a dedicated ‘online banking’ computer.  Avoid logging into online banking systems from public computers or your personal computers that you and your family also use for casual internet surfing.
  • Use the current version of your favorite web browser. Many older versions of popular web browsers (i.e. Internet Explorer version 6 and lower) are no longer supported by their developers and may contain unidentified security vulnerabilities.
  • Create strong passwords that are not easy for a human or a computer program to guess.  When creating passwords never use your first or last name or any other personal information, plain dictionary words in any language, or sequential/repeating characters.
  • Contact the actual business that supposedly sent the e-mail to verify if it is genuine. Visit a website or call a telephone number that you know to be legitimate.
  • Protect your passwords and security question answers - do not write them down, share them with anyone or use the same password across multiple systems.
  • Use secure websites for transactions and shopping: look for “secure transaction” symbols like a lock symbol in the lower right-hand corner of your web browser window, or “https://…” in the address bar of the website.

What You Can Do To Mitigate Risk While Using Your ATM Card?

  • Try to avoid PIN transactions at the pump. If you must use your debit card at a gas station, select “credit” instead of debit. Gas stations are particularly susceptible to skimming devices. Using your debit card without a PIN offers you greater protection against fraud.
  • To reduce your risk at ATM’s, use machines located inside banks rather than convenience stores or isolated locations. Non-bank ATM’s usually are not as securely protected as bank ATM’s. Isolated machines are more commonly used to attach skimming devices because the thief has to attach a skimming device to read your card information. This is more likely to occur in an area with less traffic and without surveillance cameras.
  • If you notice a difference on the display screen of an ATM, do not use your card. If the card reader looks suspicious (i.e. flimsy, gap in the device, etc) use your card at a different location.  At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.
  • Never write your PIN or share it with anyone. No one from a bank or a merchant location should ever ask you for your PIN number. Store all passwords and card information securely.
  • Check your account on a regular basis. Use services such as online banking to monitor your account activity prior to receiving your regular statement. Laws may limit your liability as a consumer if you report unauthorized transactions within two business days after learning of the loss or theft of your card.

If Identity Theft or Fraud Happens To You

Contact The Jacksonville Bank immediately!  Our customer service team will help you through the process. Contact your credit card issuers immediately. Close your account(s), cancel your credit/debit cards and create new passwords for any new accounts.


Corporate Headquarters
100 North Laura Street
10th Floor
Jacksonville, FL  32202

Phone Number: 904-421-3040 or 1-877-7MY-JAXB
Fax Number: 904-421-3078
Email: customerservice@jaxbank.com


Automated Phone Banking: 904-421-3040 or 1-877-7MY-JAXB
Report Lost/Stolen Card: 1-800-236-2442
Business eBanking Helpline: 1-855-294-9885


  • File a police report with your local police department and obtain a copy. You will need it to verify your claim with the credit reporting agencies.
  • Check your online accounts like eBay, PayPal, your e-mail ISP, online bank accounts or other e-commerce accounts and everything else for which you use passwords.
  • Contact the three major credit bureaus to request a "fraud alert" or security freeze be placed on your credit report. Request a free copy of your credit report to check for any suspicious activity.
  • Check with the post office for any unauthorized change of address requests.
  • Follow-up telephone contacts with letters and keep copies of all correspondence.
  • File a complaint with the Federal Trade Commission (FTC).
  • Identity Theft Hotline 1-877-IDTHEFT (438-4338)
  • Federal Trade Commission ID Theft Reference Guide


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