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Online Security & Identity Theft

With today’s technological conveniences, new ways have surfaced through which criminals can steal your funds, or worse, your identity. In addition to employing sophisticated security methods in our online banking channels and data handling practices, High Point Bank offers the following information to help keep you safe.


Stay Safe—Here's How

Keep your online banking secure

When it comes to protecting your online banking activities, the weak link is usually not the bank’s systems but the home computer. So, having an additional layer of security beyond standard anti-virus protection programs is important. High Point Bank offers and recommends Trusteer Rapport from IBM. Download this software today to protect your online financial transactions, whether with our bank or another.

Learn more and download Trusteer Rapport

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Monitor Your Credit Report

One of the easiest ways to determine if your identity has been breached is to monitor your personal credit report. There are many organizations out there that provide consumers with access to their credit reports—some more reputable than others. High Point Bank recommends, the site authorized by the three primary credit bureaus.

Request your free annual credit report

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Identity Theft: How to Prevent it; How to React

There are some tangible things that you can do to minimize the likelihood of having your identity stolen. Monitoring your finances and your credit report carefully, protecting your data, and even placing a freeze on your credit are all important steps you can take. The NC Department of Justice provides some great tips at the link below.

How to Protect Yourself From ID Theft 

If you fear that your identity may have already been stolen, it’s important to take quick action to minimize the impact to you. Stay positive, but act quickly. The FTC offers information to help you in filing an initial report, along with steps regarding what to do next.

What to do if your identity has been stolen

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Be on your guard

Cybertheft. Identity theft. Phone scams. Email links. Be on your guard and be aware. If something seems fishy or too good to be true, then it probably is. The NC Department of Justice provides good information on the topic, especially for seniors. Examples include sweetheart scams, work-at-home scams, phony lottery scams, overseas money transfer scams and pleas from phone charities. High Point Bank's privacy policy.

Information to help you stay alert to scam artists

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Protect Your Mobile Device, Too

Many of us have protective software for our computers, including Trusteer Rapport. But as more and more online interaction is taking place with mobile devices, it’s important to make sure that phones and tablets are also protected. The American Bankers Association offers a number of valuable tips about how to make sure you’re using your mobile device securely.

Keep your mobile device secure

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Safety Abroad with your Credit and Debit Cards

High Point Bank debit cards are blocked for overseas use unless you notify us ahead of time of your intent to travel on specific dates. So be sure to call us at 336.881.3400 so we can unblock your card. Please read other helpful information before you travel so that you can enjoy your trip without any unwanted hassles.

Helpful Information about using credit and debit cards abroad

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New HPB FraudWatch Program

On June 8, 2016, High Point Bank introduced HPB FraudWatch. This new program sets into motion when unauthorized activity is suspected on your debit card. HPB FraudWatch will seek to get in contact with you three separate ways if we believe there might be fraud taking place:

1) If potential fraud is detected on your account, you will receive an automated email from the address In this email, you'll be shown one or more recent transaction items on your debit card, and you'll have the option to reply "fraud or no fraud".

2) If it is between 7am and 9pm, you will additionally receive a text alert from number 32874 that also contains the "fraud or no fraud" response option. This text is sent one minute after our email to you.

3) Finally, if no response is received to either the email or text, a phone call will be placed to you from 800.417.4592 to confirm whether recent transactions on your account are legitimate. Adding this number to your contacts and labeling it "HPB FraudWatch" would allow the call to display as such when received.

Should you reply that there appears to be fraud on your account, a fraud representative will contact you.

Of course, this system will only benefit you if you have a current email address and correct phone numbers (mobile, work, home) on file at High Point Bank. To update your information, please visit a branch, call 336.881.3400, or submit a secure message after logging in to Online Banking.

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