Identity Theft

Identity Theft Protection at Every Stage

Just as we rely on technology to make our lives easier, thieves and criminals rely on the same technology to steal personal information and commit crimes. They steal mail, skim credit cards, hack into ATMs, and rummage through garbage in the search for their next victim. In the blink of an eye, criminals misuse bits and pieces of your personal information to obtain fraudulent credit and make unauthorized purchases. 

No matter what stage you are in life, your identity will always be a prime target for thieves—you may not be aware of it, but the different stages of life put you at risk for different types of fraud and identity theft.

  • For Those Under 18 – children often have just the right combination for identity thieves: a Social Security number and clean, or nonexistent credit.
  • In Your 20s – new jobs, new apartments, maybe even a new spouse. It’s easy to lose sight of your identity amid the flurry of fun.
  • In Your 30s and 40s – kids, mortgages, car payments. There’s never been so much at stake.
  • In Your 50s – Empty nesting, a taste of freedom…and college tuition. Just when things seem to be settling down, new responsibilities—and risks—kick in.
  • In Your 60s and Up – whether it’s time for early retirement or running after the grandkids, these can be special years.
If you suspect you may have been a victim of identity theft, it is important to take action quickly.
  • Turn off your debit card by using the debit card on/off feature in the mobile app
  • Call us at 308-537-7181 to report your card missing
  • We'll put you in touch with a fraud specialist who can help you determine your best course of action, cut through the red tape and do most of the heavy lifting - so you don't have to struggle on your own. There is no added cost to you for this service, no matter how often you talk to a fraud specialist.
Identity Protection Services are available to Flatwater Bank personal account holders, as well as their spouse and/or immediate family members under 26 years old who live in the household. If security is a concern, continue reading to learn the ways we help keep you protected:  
Since 2003, Cyberscout (now Sontiq) has partnered with Flatwater Bank to protect customers against hackers, thieves and human error. They deliver unrivaled cybersecurity education, identity protection and fraud resolution services, as well as swift cyber incident response services. Among the ways they can help or offer guidance:

  • Responding Quickly and Effectively to Data Breach Alerts
  • Spotting if a Child's Identity Has Been Stolen
  • Replacing Important Documents After a Disaster
  • Placing Active-duty Fraud Alerts for Military Service
  • Resolving Medical Fraud
  • Limiting Damages from Stolen or Compromised Data 
  • Preventing Criminals from Using Your Name for Employment
  • Fighting Tax Fraud to Clear Your Name and Secure Your Refund
  • Resolving Unauthorized Account Activity or Account Takeover
  • Power of Attorney or Legal Guardianship Questions for Elderly Family Members
Note: Identity protection services are available to personal accountholders as well as your spouse and/or immediate family members under 26 years old who live in the household.
Card Sentry is a proactive risk management service that helps
mitigate fraud losses on debit cards. The key features of this service include:
  • Monitoring Debit Card Transactions 24/7
  • Utilizing Neural Networks, Geolocation Data and Pattern Recognition to Detect Fraud
  • Screening Transactions with an Intelligent Risk-scoring System
  • Establishing Real-time Denials and Automatic Blocking
  • Monitoring Visa® and/or PIN Transactions

Of all the things you want to keep safe, your financial information is surely near the top of the list. We know protecting your financial information is serious business and that is why we use a combination of cutting edge technology and industry best practices to protect your personal and financial information. 

  • Anti-virus and Anti-malware Protection
  • Firewalls
  • Secure Socket Layer (SSL) Encryption
  • Cookies
  • Multi-factor Authentication Measures
  • Credential Confidentiality
  • Automatic Logout
  • Biometric Authentication
  • Limited Liability
  • Account Monitoring
Taking steps to protect your accounts is a vital part of managing your personal finances. Here are steps you can take to protect your accounts: 
  • Utilize Online Statements
  • Choose Strong and Unique Passwords
  • Enable Multi-factor Authentication 
  • Steer Clear of Public Wi-Fi
  • Set Up Customized Activity Alerts for Your Accounts
  • Be Wary of Phishing Scams
  • Avoid Sending Financial or Sensitive Information via Email
For news on the latest identity scams and access to a wealth of resources and proactive tips to help you avoid becoming a victim, visit
Visit our Insider Tips page for information on recent scams and tips from our employees.