Lost or Stolen Card & Fraud Reporting

Notify us immediately:

Call Toll Free at (866) 557-0060 during business hours or
Send us a Secure Email from within Online Banking. 

Your local USB branches are also here to help!

If possible, supply the last known date and location of your checkbook. If known, please provide information on outstanding checks, including amount, check number and payee. Also, be sure to give us your current contact information.

• Contact your financial institution immediately and alert it to the situation. For Union State Bank customers, call toll free at (866) 557-0060 during business hours or send us a Secure Email from within Online Banking.
• Close accounts you think have been tampered with or opened fraudulently. Call the security or fraud department of each associated company or financial institution. Follow-up in writing and supply copies of supporting documents.
• It is important to notify credit card companies and financial institutions in writing. Send your letters by certified mail, return receipt requested, so you can document when and what the company received. Keep copies of your correspondence and enclosures.
• Report all suspicious contacts to the Federal Trade Commission through the Internet at http://www.ftc.gov/ or by calling 1-877-IDTHEFT (1-877-438-4338).
• Check with your state Attorney General's office to find out if state law requires the police to take reports for identity theft. Check the Blue Pages of your telephone directory for the phone number, or check www.naag.org for a list of state Attorneys General.

If possible, file a report with local police or police in the community where the identity theft took place. Obtain a copy of the police report or the report number. It can help you deal with creditors who need proof of the crime. If the police are reluctant to take your report, ask to file a "Miscellaneous Incidents" report.

If you disclose sensitive information in a phishing attack, contact one of the three major credit bureaus listed below and discuss whether to place a fraud alert on your file. A fraud alert will help prevent thieves from opening a new account in your name.

Equifax
800-525-6285
PO Box 740250
Atlanta, GA 30374
www.equifax.com

Experian
888-397-3742
PO Box 1017
Allen, TX 75013
www.experian.com

Reporting that you might be a victim of fraud or identity theft to a credit bureau may help prevent further unauthorized activity. These three major credit bureaus can place a fraud alert on your credit file: 

• Equifax - (800) 525-6285
• Experian - (888) 397-3742
• TransUnion - (800) 680-7289