If you have been a victim of identity theft, there are things you can do to reduce the damage
If you suspect that you have been the victim of any type of scam, fraud, skimming or identity theft, please contact us immediately. The sooner you let us know what’s happened, the greater the chance you’ll have of preventing major losses.
If you have inadvertently given out personal information—including your credit or debit card number, TeleBanker PIN, Social Security number or Federal Tax ID, personal or business Online Banking login information (username or password), please see the resources below.
Fraudulent account activity
If you suspect fraudulent activity on your Wayne Savings checking or savings account, call your local Wayne Savings Office immediately or our Customer Service Department at 330.287.2830. After normal business hours, call 800.414.1103 and leave us a message and we will return your call promptly the following business day.
Fraudulent activity on personal and business Online Banking accounts
Please contact us during business hours at 330.264.5767 or toll free at 1.800.414.1103. After business hours, you may email us or leave a message at 330.287.2830 and we will return your call during normal business hours.
Lost or stolen ATM Card or Mastercard® Debit Card
Please call 800.414.1103 (toll-free) during normal business hours (Monday - Friday, 8:00a.m. - 5:00p.m.).
Outside of our normal business hours, please contact Cardmember Service at 800.754.4128.
Lost or stolen Visa credit card and fraudulent activity on Visa credit cards
Contact Elan Cardmember Service at 1.800.558.3424. You may also visit the Cardmember Service website at myaccountaccess.com.
Suspicious emails (Phishing emails)
If you believe you have received a suspicious email that uses Wayne Savings Community Bank’s name, please forward the email to us immediately firstname.lastname@example.org.
If you’ve been a victim of identity theft
- Follow steps on the Federal Trade Commission's website checklist (including filing a complaint with the FTC) and file a complaint with your local police department.
- Contact your bank and credit card companies immediately. If necessary, they can issue new account numbers or cards.
- Know your payment rights (under federal law, you are not responsible for more than $50 if someone uses your credit card without authorization).
- Place a fraud alert with the credit reporting companies.
- If you haven’t been checking your credit report on a regular basis, find out how you can obtain a free copy. Keep checking your credit report regularly to identify additional changes. Follow the instructions by the credit agencies to dispute any accounts you didn't open, charges you didn't make, or other information that isn't accurate.
- Respond quickly to debt collectors, and do so in writing; keep a copy of your letters you send.
- Be cautious about offers for credit monitoring services.
USA.gov: Tips for preventing and reporting identity theft, as well as information regarding seniors and identity theft
Federal Trade Commission: How to protect your information and how to respond if it’s stolen
Consumer.gov – Scams and Identity Theft resources
Lost/stolen wallet inventory & emergency checklist
Fill out this personal guide & keep it in a safe place. If your wallet/purse is lost or stolen you'll know who to call and what to say.
Scams and fraud
Better Business Bureau – Scam stopper
Consumer.gov – Scams and identity theft resources
Federal Bureau of Investigation – Common fraud schemes
Federal Trade Commission – Scam alert
Anti-Phishing Working Group (APWG)
Computer security and online safety
Microsoft® Safety & Security Center: Computer security, digital privacy, and online safety tips
PLEASE NOTE: All information on our security resources pages is provided as a convenience to customers and non-customers alike. Our Online Privacy & Terms apply to all information posted. In case you are the victim of a financial or other crime involving any of the security issues discussed here, contact law enforcement and other pertinent authorities and organizations IMMEDIATELY. Never send out your personal information by unencrypted email.