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Security Center

Your Safety. Your Security.
Our Priority.

At Chemung Canal, we are dedicated to helping you protect yourself and your accounts. Fraud and identity theft continue to evolve, and staying informed is your best defense. Our Security Center provides valuable resources and best practices to help you safeguard your personal and financial information.

From preventative steps to what to do if fraud occurs, we’re here to help you stay secure.

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With large-scale data breaches on the rise, it’s more important than ever to protect your identity. Here’s how you can take proactive steps to safeguard your personal information:

Monitor Your Credit Reports

  • Check your credit report regularly at AnnualCreditReport.com or call 1-877-322-8228.
  • Federal law allows you to request one free credit report per year from Experian, Equifax, and TransUnion.
  • Review your report for unauthorized accounts or suspicious activity.

Report Identity Theft Immediately

  • If you believe your identity has been compromised, visit ftc.gov/idtheft for step-by-step guidance.
  • Request a credit freeze from the credit bureaus to prevent unauthorized accounts from being opened in your name.
  • Continue monitoring your bank and credit card accounts for fraudulent charges—even if a credit freeze is in place.

Be Cautious of Phishing Scams

  • Never share personal information (credit card numbers, Social Security numbers, passwords) via email or text.
  • Legitimate companies will never request sensitive data through email or text messages.
  • If you receive a suspicious message, delete it immediately and avoid clicking on any links.
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Identity theft occurs when someone steals your personal information—such as your name, Social Security number, or financial details—to commit fraud. Here’s how to reduce your risk:

Common Identity Theft Tactics & How to Avoid Them

  • Email Fraud (Phishing)
    Scammers send fake emails posing as banks or trusted organizations to trick you into providing personal information. Do not respond to unsolicited emails or click on suspicious links.

  • Phone Scams (Vishing)
    Fraudsters call pretending to be from your bank, attempting to steal your financial details. If you didn’t initiate the call, hang up and contact your bank directly.

  • Payment Fraud
    Criminals may use stolen credit card, debit card, or check details to make unauthorized purchases. Monitor your accounts and report unusual activity immediately.

  • Mail Fraud
    Important financial documents (bank statements, credit card bills, checks) can be stolen from your mailbox or trash. Opt for eStatements and shred sensitive documents before disposal.

If you suspect identity theft, act fast to minimize potential damage.

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(Excerpt from the American Bankers Association, aba.com) 

The increased popularity of Mobile Banking has caught the attention of fraudsters. According to a survey by the ABA, two in five Americans (39%) use a mobile device to manage their bank account at least once per month. 

ABA suggests following these 12 steps to protect your mobile device:

  1. Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.

  2. Log out completely when you finish a Mobile Banking session.

  3. Watch out for public Wi-Fi. Public connections aren’t very secure, so don’t perform banking transactions on a public network.

  4. Use caution when downloading apps. Apps can contain malicious software and viruses. Beware of apps that ask for unnecessary “permissions.”

  5. Download the updates for your phone and mobile apps.

  6. Avoid storing sensitive information like passwords or a social security number.

  7. Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.

  8. Wipe your mobile device before you donate, sell or trade it.

  9. Tell your financial institution immediately if you change your phone number or lose your mobile device.

  10. Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings.

  11. Protect your phone from viruses and malware just like you do for your computer by installing mobile security software.

  12. Report any suspected fraud to your bank immediately.
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Account Authentication & Online Banking (PDF)

Risk Assessment & Layered Security for Online Business Transactions (PDF)

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ABA Routing Transit #: 021301115
Toll-free: 800-836-3711

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