Fraud Prevention

Bank of Ripley / Bank of Tipton takes care to protect the privacy and security of your information, accounts, and transactions. Security is always stronger when all parties are careful, and the best line of defense begins with you. We suggest all customers take the following steps to protect yourself against identity theft and account fraud.


Frequently Asked Questions About the Equifax Breach

I’ve been hearing about the Equifax breach in the news. What happened?

Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

How can I protect myself?

Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at

In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at You are entitled to one free report from each of the credit bureaus once per year.

We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.

Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?

Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus.  A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

How do I contact the three major credit bureaus to place a freeze on my files?

Equifax: Call 800-349-9960 or visit its website.

Experian: Call 888-397-3742 or visit its website.

TransUnion: Call 888-909-8872 or visit its website.

Where can I get more information about the Equifax breach?

You can learn more directly from Equifax at You can also learn more by visiting the Federal Trade Commission’s web page on the breach at To learn more about how to protect yourself after a breach, visit


Internet Fraud

There is a rapidly growing practice of Internet fraud called "phishing". Phishing is the practice of sending fraudulent email messages to addresses requesting them to supply confidential information. Typically, the information requested includes account numbers, passwords, PINs, Social Security numbers, or other personal identifying information.

Please note: Bank of Ripley / Bank of Tipton will NOT solicit confidential or sensitive customer information via email. Should this happen to you, please contact your local branch immediately.

Lost/Stolen Bank Cards

In the event you cannot contact us, listed below are numbers to report only lost or stolen Bank of Ripley / Bank of Tipton cards:

Bank of Ripley / Bank of Tipton (Visa or MasterCard) Consumer Credit Cards: 1-800-558-3424
Bank of Ripley / Bank of Tipton (Visa or MasterCard) Business Credit Cards: 1-866-552-8855


Bank of Ripley / Bank of Tipton (Visa) Debit Cards: 1-866-546-8273

For Debit Cards you may also use TouchTone Teller (731) 635-6147 or (901) 476-2265 Option 5.


Bank of Ripley / Bank of Tipton ATM cards, please contact your local branch immediately.

Preventing Theft

If you think your identity has been stolen, this site could be helpful:

Preventing Account Fraud

Equifax -

To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241

To report fraud, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the
Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

Experian -

To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013

To report fraud, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322

Trans Union -

To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022

To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803

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