Mid-Minnesota Federal Credit Union will host free Community Shred Day from 3-4 p.m. Monday, June 1, at the Pequot Lakes office.
Shredding documents that have personal information is great protection from identity theft by keeping the wrong person from finding your Social Security number, financial account numbers, credit card numbers and any other valuable identifying data.
Through a partnership with Paper Storm Document Shredding, MMFCU is offering free shredding at all locations. Those who come should limit their documents to three boxes, wear a mask and remain in their vehicle when dropping off items. MMFCU staff will be on hand to assist. Shred Day will take place rain or shine.
MMFCU also recommends these additional ways to protect your identity:
- Consider a “junk” email address for signing up for mailings or ordering products online. It reduces the odds of friends getting spam or malicious emails should your email get breached.
- Review statements regularly for unusual activity.
- Monitor credit scores for free through MMFCU's online and mobile banking and review credit reports (at a minimum) once a year at www.annualcreditreport.com.
- Review health care insurance benefit statements to assure the charges are for valid procedures.
- Buy a cross-cut type shredder for at home use and shred all financial information such as: bank statements, credit card receipts, preapproved credit applications, etc.
- Be careful of “Dumpster diving." This is still one of the major ways criminals get your information.
- Never provide financial or credit card account numbers to anyone unless you have initiated the purchase or the phone call. Financial institutions will never ask for account numbers if they called.
- Be watchful when using a PIN number at ATMs or merchant keypads.
- Have checks directly deposited into bank accounts (ie. Social Security).
- Empty wallet of extras. Remove Social Security cards and credit cards that are not used often. Carry your birth certificate and passport only when necessary.
- Keep an emergency list of all financial account numbers and credit card accounts in a safe location, such as a safety deposit box.
If you suspect that you are victim of identity theft or any type of fraud, contact your bank and the local authorities right away.