• Mobile Banking: includes text banking to retrieve balances & activity
• Enroll in Online Banking: bankofcadiz.com
• Telephone Banking: 270.522.0399

Mobile Banking FAQs

083901207

• Mobile Banking: choose to receive email or text alerts
• Online Banking: choose to receive email or text alerts

(Ex. I want to know my account balance or if my balance drops below $ amount)

• Download the SHAZAM Bolt$ app
• Contact us if you are traveling to put an alert on your account
• If your debit card is lost or stolen contact us immediately and after regular business hours, please call  800.383.8000.

• Contact us immediately during regular business hours
• Instant issue debit card replacement is available at all locations

• Contact us about enrolling in e-statements
• Enroll in Online Banking to view an Internet banking statement

• Order Checks or click on Reorder Checks
• Change your address
• Reset passwords for Online or Mobile Banking

• Contact one of our lenders to discuss overdraft protection
• Setup a link to your savings account

We have safe deposit box options at all our locations.

To setup direct deposit to your account at Bank of Cadiz & Trust Co., you can complete the Direct Deposit Form  and give to your human resources or payroll department.

Incoming and outgoing wire transfers can be done through your Bank of Cadiz & Trust Co. account or another financial institution for a fee. The following information will be required in order to set these up:

Incoming Wires:

• Corresponding Bank Routing #: Bankers Bank, Frankfort, KY – 083901896
• For further credit: Use Bank of Cadiz & Trust Co. Routing Number – 083901207 
• Need your account number information for final credit

Outgoing Wires:

• Your account information with Bank of Cadiz & Trust Co.
• Account & Routing number from the financial institution you wish to wire the funds to

Yes, you can transfer funds between eligible personal Bank of Cadiz accounts and your eligible accounts at another financial institution from the Transfers page in Online Banking. Select Transfers and then select Add External Transfer Account. Fees may apply. This feature is not available for international accounts and business accounts.

• Personal & Business Loans
• Trust & Estate Planning
• Investment Services
• Cash Management Products

Keeping yourself safe from phishing threats

When internet fraudsters impersonate a business to trick you into giving out personal information, it’s called phishing. Don’t reply to email, text, or pop-up messages that asks you for your personal information. Don’t click on links within them either – even it the message seems to be from an organization you trust. Legitimate businesses don’t ask you to send sensitive information through insecure channels.

Click here to get more information regarding phishing examples, how to deal with phishing scams or how to avoid.

Computer Securit

Scammers, hackers and identity thieves are looking to steal your personal information – and your money. But there are steps you can take to protect yourself, like keeping your computer software up-to-date and giving out your personal information only when you have a good reason.

•  Use security software that updates automatically
• Treat your personal information like cash
• Check out companies to find out who you’re really dealing with
• Give personal information over Encrypted websites only
• Protect your passwords
• Back up your files

For detailed information, click here to learn more.

Debit Card Fraud

Debit card fraud involves the unauthorized use of another person’s card information to make purchases from their account or access their funds.

Card fraud occurs through a variety of channels, including online scams, data breaches and card or mail theft. You need to know how to defend yourself, and rest assured Bank of Cadiz & Trust Co. is continually monitoring for threats and suspicious activity.

Download the SHAZAM Bolt$ app for an early warning about potential fraudulent purchases.

Lost or Stolen Debit Cards

If your debit card is lost or stolen, please contact us immediately and after regular business hours, please call 800.383.8000

Travel Tips Using Your Debit Card

• Download the SHAZAM Bolt$ app
• If you are headed out of town, give us a quick call to let us know
• Clean out your wallet of debit or credit cards you will not need
• Always be mindful of your personal security when accessing an ATM
• Put your receipts in your pocket – not the bag
• Monitor your account frequently
• Report a lost or stolen card immediately

Credit Card Fraud

Credit card fraud involves the unauthorized use of another person’s card information to make purchases from their account or access their funds.  Card fraud occurs through a variety of channels, including online scams, data breaches and card or mail theft.

If you have a missing credit card, report it immediately to our credit card partner, Elan Financial Services – 24 hr Card member service line: 866.234.4691 or if outside the U.S. call Collect: 701.461.1772

Notify Bank of Cadiz & Trust Co. immediately at 866.554.6066, as well as any other financial institutions you use if you are a victim of Identity Theft.

Close all accounts in your name that were opened without your permission and those that have been associated with fraud. Make sure you communicate with the businesses in writing.

Take Charge – What to do if your Identity is Stolen Guide offers step by step instructions on what to do if you are victim of identity theft.

If you are an Advantage Club Checking Account member, you have the security benefit – Identity Theft 911. You can login into the Advantage Club site to find out more about this.

Customer Awareness Tips

Inform the following organizations and authorities:

Credit Bureaus
Contact the three Credit Reporting Bureaus and request a fraud alert be placed on your credit report.

• Equifax: 1.800.525.6285
• Experian: 1.800.397.3742
• Trans Union: 1.800.680.7289

Police

File a report with your local law enforcement agency; be sure to obtain a case number and copy of the report. Even if the person isn’t caught, filing the report can help in clearing up your credit records.

Follow up by notifying the Federal Trade Commission (FTC) online or by phone at 1.877.ID-Theft. They will assist you in completing an Identity Theft Affidavit.

If you identify suspicious activity in your investment accounts, alert the Securities and Exchange Commission (SEC) by calling 800.732.0330.

Minimize your risk by managing your personal information:

• Monitor bank activity.
• Create strong passwords and memorize them.
• Store your checks, checkbook and personal information in a safe place.
• Do not give out personal information (phone, mail, fax over over the internet) unless you have initiated the contact.
• Before sharing your personal information with merchants, understand how it will be used.
• Keep track of your debit and credit cards.
• Lock your card, house and valuables.
• Guard trash from theft and shred all documents containing personal information.
• Use anti-virus software on computers and do not login to unsecure networks while transmitting personal information.

Identity Theft is one of the fastest growing crimes in America. Your name, address, social security number, bank or credit card account number, or other identifying information can be used to commit this crime or other fraudulent activity without your knowledge.

Steps to Safeguard Your Identity

At Bank of Cadiz & Trust Co., we put a combination of safeguards in place to protect customers, including employee training, rigorous security standards, data encryption and fraud detection. On an individual basis, the following are other steps you can take to avoid becoming a victim.

• Do not give out personal information over the phone, through the mail or on the internet unless you’ve initiated the contact and are sure you know who you’re dealing with. If you must share personal information, confirm that you are dealing with a legitimate organization . If you receive a phone call or email asking you to verify information, end the call, do not respond, and call the bank directly. Recent fraud scams use the practice of “pretext calling” where individuals claim to be a representative from a financial institution and ask to verify your personal information. Your financial institution already has your information on file and will never ask for your verification.
• Tear up or shred (preferably with a cross-cut shredder) receipts, old bank statements, unused credit card offers and financial information when it is no longer needed before throwing them away. This includes insurance and investment information, and utility bills. Crooks could steal information from your trash (known as “dumpster diving”) and use it to get credit in your name. Don’t leave sensitive documents containing personal information where anyone can see it.
• Do not carry identity documents (credit cards, social security card, passports) if they are not needed. If your I.D. or credit cards are lost or stolen, notify the creditors immediately, and ask the credit bureaus to place a “fraud alert” in your file. Memorize your passwords and PINS and never keep them in your wallet, purse, Rolodex or electronic organizer.
• Do not use your social security number or your driver’s license number on checks.
• Review your bank and credit card statements for accuracy as soon as you receive them. Keep a list of all credit cards and bank accounts along with expiration dates and credit limits, as well as the telephone numbers of customer service and fraud departments. Store this list in a safe place.
• When going on vacation, temporarily stop mail delivery , the U.S. Postal Service will hold mail for you.
• Don’t use an automatic log-in feature on your computer.
• Protect your PINs and computer passwords ; use a combination of letters and numbers (the longer and more complex a password is, the stronger it is, and change them more often. Never have this information where others may gain access to it. Do not use any part of your social security number, birth date, middle name, spouse’s or child’s name, mother’s maiden name, address, or consecutive numbers . Instead, use something unique that only you know. Shield the keypad when using ATMs or when using debit cards at point of sale.
• Check your credit report. The Fair Credit Reporting Act requires each of the three national credit reporting companies to provide consumers with a free copy of their credit report once every 12 months (visit https://www.annualcreditreport.com) .
• Watch out for email related scams such as Phishing. Phishing occurs when a web page is copied or imitated. Users are misled into providing personal information. If you receive an email asking for personal information, do not hit the reply button or click on any website link in the email. Instead go directly to the sender’s website by typing in the sender’s website address. For more information on phishing, visit http://www.antiphishing.org/ . This link is to the Anti-Phishing Working Group, a trade association that includes law-enforcement officials. This site explains what “Phishing” is and offers advice on how to avoid becoming a victim.
• Update the virus protection software on your PC regularly ; do not open files from strangers or companies you do not know.
• Prevent the chances of spyware from being downloaded on your computer .
• Install and periodically update anti-spyware, virus protection and firewall software.
• Adjust browser settings to prompt the user whenever a website tried to install a new program or Active X control
• Carefully read all End User Licensing Agreements and avoid downloading software when licensing agreements are difficult to understand.
• Maintain current patches to operating systems and browsers.
• Do not open e-mail from untrustworthy sources

Bank of Cadiz & Trust Co. encourages consumers to follow these tips to safeguard personal data and help protect privacy. For more information, visit, https://www.ftc.gov/  or contact the bank.

Has someone stolen your personal information?

If you fear that someone has stolen your personal information, here are some indications that identity they may have occurred:

• Failing to receive bills or other mail on time
• Receiving credit cards for which you did not apply
• Denial of credit for no apparent reason
• Receiving calls from debt collectors or companies about products or services you didn’t buy

ID Theft Victims: Immediate Steps

If you are a victim of identity theft, take the following 4 steps as soon as possible, and keep records of your conversations and copies of all correspondence.

• Place a “fraud alert” on your credit reports, and add a “victim’s statement” to your file requesting that creditors contact you before opening new accounts in your name.
• Close the accounts that you know, or believe, have been tampered with or opened fraudulently. Call and speak to someone in the security or fraud department. Follow up in writing sent by certified mail, return receipt requested.
• File a “Miscellaneous Incidents” report at a police station where the identity theft occurred, and get a copy of the police report. It can help you deal with creditors who need proof of the crime.
• File a complaint with the Federal Trade Commission. You can file a complaint online at https://www.ftccomplaintassistant.gov/ ; call 1-877-ID-THEFT (877-438-4338); or write to Identity Theft Clearinghouse, FTC, 600 Pennsylvania Ave., NW, Washington, DC 20580.

Getting a Copy of Your Credit Report

Three Major Credit Bureaus:

• Equifax : 800-685-1111; http://www.equifax.com/home/en_us ; P.O. Box 740241, Atlanta, GA 30374
• Experian : 800-682-7654; http://www.experian.com/ ; P.O. Box 2104, Allen, TX 75013
• TransUnion : 800-916-8800; http://transunion.com ; P.O. Box 1000, Chester, PA 19022

A recent amendment to the federal Fair Credit Reporting Act entitles all individuals living in the United States to a free credit report, at their request, once every 12 months from each of the nationwide credit bureaus: Equifax, Experian and TransUnion.

To order your free annual report from one or all of the national credit bureaus, visit https://www.annualcreditreport.com/ ; call toll free 877-322-8228; or visit https://www.ftc.gov/ to print and complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348.

NOTE : Do not contact the three nationwide credit bureaus directly; they provide free annual credit reports only through the Annual Credit Report Request Service.

Reporting Fraud to the Credit Bureaus

Fraud alerts can help prevent an identity thief from opening accounts in your name. Contact one of the credit bureaus below to place a fraud alert on your credit report. The company you call is required to forward the information to the other two; which will also place an alert on your report.

• Equifax: 800-525-6285
• Experian: 800-397-3742
• TransUnion: 800-680-7289

Or write to Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834

The Internet’s worldwide network of computers contains millions of pages of information. While many of these pages provide sources of information that can be of benefit, we must also be aware and cautioned that our endless connections also increase the risk of theft, fraud and abuse. Our “always on” connections and reliance on modern technology leaves us more vulnerable to cyber attacks such as security breaches, social media fraud and spear phishing.

In an effort to work towards a safer cyberspace, below is a list of links with information to assist in keeping you and/or your business safe from cyber crime.

OUCH! Newsletter February 2016 – “Securing Your Home Network”

Cybersecurity tips from Homeland Security

Best Practices to Protect You, Your Network, and Your Information – From US-CERT 

Bank of Cadiz & Trust Co. will never contact a customer via phone, email, fax or text to request Online Banking credentials, SSN, PIN, password, account numbers, user names, etc. If you should suspect fraudulent activity on your account, contact Bank of Cadiz & Trust Co. immediately at 270.522.6066 or 866.554.6066.

Information security is defined as, the “practice of defending information from unauthorized access, use, disclosure, disruption, modification, perusal, inspection, recording or destruction”. Bank of Cadiz & Trust Co. maintains an ongoing process by which information assets are protected which includes methods such as customer authentication. These methods are necessary to maintain trust between Bank of Cadiz & Trust Co. and its customer; to uphold compliance with the law ensuring the security and confidentiality of customer information; and to protect against unauthorized access to or use of such information or records that could result in substantial harm or inconvenience to any customer or the Bank.

Some of Bank of Cadiz & Trust Co. online security measures include: 

• Encryption of electronic customer information
• Outgoing email is encrypted when sensitive data is being sent
• Online Banking utilizes multi-factor authentication
• The Bank adheres to the guidelines set forth in the Electronic Funds Transfer Act (Reg E) which establishes the basic rights, liabilities and responsibilities of consumers who use electronic funds transfer services, as well as the Graham, Leach, Bliley Act (GLBA) standards of confidentiality.
• The Bank uses only authorized vendors who are familiar with our systems and security and with which we have agreements in place.

 Additional Risk controls that customers may consider:

•  Review your account activity and statements frequently. Promptly report any errors or unauthorized transactions.
• Notify the Bank immediately if you believe your access information has been compromised.
• Do not give out personal information over the phone, through the mail or on the internet unless you have initiated the contact and are sure you know who you’re dealing with. If you must share personal information, confirm that you are dealing with a legitimate organization. If you receive a phone call or email asking you to verify information, end the call, do not respond, and call the bank directly. Recent fraud scams use the practice of “pretext calling” where individuals claim to be a representative from a financial institution and ask to verify your personal information. Your financial institution already has your information on file and will never ask for your verification.
• Update the virus protection software on your PC regularly; and maintain current patches to operating systems and browsers.
• Protect your PINS and computer passwords; use a combination of letters and numbers (the longer and more complex a password is, the stronger it is and change them often. Never have this information where others may gain access to it. Do not use any part of your Social Security number, birth date, middle name, spouse’s or child’s name, mother’s maiden name, address, or consecutive numbers. Instead, use something unique that only you know. Shield the keypad when using ATMs or when using debit cards at point of sale. Logoff Online Banking/Mobile Banking when you are finished.
• Watch out for email related scams such as Phishing. Phishing occurs when a web page is copied or imitated. Users are misled into providing personal information. If you receive an email asking for personal information, do not hit the reply button or click on any website link in the email. Instead, go directly to the sender’s website by typing in the sender’s website address. For more information on phishing, visit http://www.antiphishing.org. This link is to the Anti-Phishing Working Group, a trade association that includes Law-enforcement officials. This site explains what “Phishing” is and offers advice on how to avoid becoming a victim.
• Do not open files from strangers or companies you don’t know.
• Prevent the chances of spyware from being downloaded on your computer. Install and periodically update anti-spyware, virus protection and firewall software.
• Carefully read all End User Licensing Agreements and avoid downloading software when licensing agreements are difficult to understand.

Bank of Cadiz & Trust Co. will never contact a customer via phone, email, fax or text to request Online Banking credentials, SSN, PIN, password, account numbers, user names, etc. Should you suspect fraudulent activity on your account, contact us immediately at 270.522.6066 or 866.554.6066.