Security Questions FAQs
American Heritage is dedicated to protecting its members from identity theft, fraud and other abuses. One way we do that is by educating our members about the problem, and offering smart financial practices to avoid abuse.
What is Identity Theft?
Identity Theft is the crime of obtaining the personal or financial information of another person and assuming that person's name to make transactions or purchases.
How is this done?
Identity theft is committed many different ways. Some identity thieves sift through trash bins to find bank account and credit card statements. Other more high-tech methods involve accessing company or merchant databases to steal customer information.
What is "phishing"?
"Phishing" is the practice of luring unsuspecting Internet users to a fake website to steal passwords and gain access to financial or personal information. Phishing fraud may come in the way of an email that looks authentic and may include a real company or organization's logo.
How can I protect myself?
There are several ‘best practices’ to protect against identify theft and fraud:
- Order a copy of your credit report. You are entitled to a free copy of your credit report once every 12 months at your request.
- Click here to request a Free Credit Report
- Find links in the "Security Resources" section for each of the national credit reporting agencies
- If you find suspicious activity, report it immediately using the links provided.
- Make sure you have good passwords for your credit card, credit union/bank, and phone accounts
- Avoid using easily available information like your mother's maiden name, your birth date, the last four digits of your Social Security number or your phone number, or a series of consecutive numbers
- Put any personal information you have in your home in a secure place - especially if you have roommates, employ outside help, or are having work done in your home.
- Ask about information security procedures at your workplace; in doctor's offices; at any other institutions that collect your personally identity information.
- Find out who has access to your personal information and verify that it is handled securely.
- Deposit your outgoing mail in post office collection boxes or at your local post office, rather than in an unsecured mailbox. Promptly remove mail from your mailbox.
- If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at (800) 275-8777 to request a vacation hold. The Postal Service will hold your mail at your local post office until you can pick it up or are home to receive it.
- To opt out of receiving offers of credit in the mail, call: (888) 5-OPTOUT (888-567-8688). The three nationwide consumer reporting companies use the same toll-free number to let consumers choose not to receive credit offers based on their lists.
- Don't carry your Birth Certificate or Social Security card; leave it in a secure place
- Give your Social Security number only when absolutely necessary, and ask to use other types of identifiers
- Carry only the identification information and the credit and debit cards that you'll actually need when you go out.
- Be cautious when responding to promotions. Identity thieves may create phony promotional offers to get you to give them personal information.
What can I do if I become a victim of identity Theft?
- Close accounts, like credit cards and credit union/bank accounts, immediately. When you open new accounts, place passwords on them.
To Deactivate an American Heritage Credit or ATM/Check Card
- Use your OnLine Teller under the “Member Service” tab:
- Go to “Member Services”, then select “Card Services” OR
- Call Customer Service immediately
- During regular business hours: (215) 969-0777 or (800) 342-0008
- 24/7 including after business hours: (800) 991-4965
- Call the toll-free fraud number of any of the three nationwide consumer-reporting companies (Experian, Equifax and TransUnion) and place an initial fraud alert on your credit reports.
- An alert can help stop someone from opening new credit accounts in your name.
- Contact the agency that issued your driver's license or any other government issued identification document. Follow its procedures to cancel the document and get a replacement.
- Ask the agency to flag your file so that no one else can get a license or any other identification document from them in your name.