Online Security

Identity Theft

How to Protect Yourself

Guard your PIN!
Remember, Lake City Bank will never ask you for your debit card PIN number over the phone. If someone calls you and asks for your PIN, hang up and call our One Call Center at (888) 522-2265.


The best protection you provide for yourself is to never give out personal information over the Internet. Lake City Bank will never ask you for your Internet password. In fact, to safeguard your Internet banking access, Lake City Bank employees are unable to access any password information. It is not recorded on our system anywhere our employees can access. If you ever had to call in and get your password reset, our One Call Center would issue you a new temporary password that you would need to change as soon as you used it to log in. If you ever had a need to call our One Call Center your identification and account authorization would be confirmed before any information would be given out. Personal identity privacy is a major concern that Lake City Bank takes very seriously.

What to do if you suspect you have been a victim of ID Theft

The Lake City Bank One Call Center can assist you with monitoring your accounts for suspicious activity. If you feel that your identification may have been used without your authorization, contact the One Call Center at (888) 522-2265. You will also need to contact all three major Credit Bureaus to report the unauthorized access. The contact information for the three major credit bureaus is provided below.

Experian – (888) 397-3742
Equifax – (888) 766-0008
Transunion – (800) 916-8800

It is a good idea to check your own credit report at least once a year, not just before obtaining a loan. Old accounts you may have forgotten about may be left open and used by fraudulent individuals. It is also possible to correct errors you uncover on your credit history.

E-mail Fraud and “Phishing”

“Phishing” is a growing form of Identity Theft where the victim is sent an e-mail requesting personal information. This message often appears to be coming from an authentic source (a credit card company, a bank, even eBay) and asks the victim to reply to the message with personal account data (i.e. Social Security numbers, login and password information, account numbers) in order to “update their files.” NEVER respond to these kinds of messages. Always contact the purported company via alternative means like a phone call to verify the authenticity of the message. Lake City Bank will never ask you for your personal information over the Internet. Please report any phishing attempts you receive that appear to come from Lake City Bank to your nearest branch location or call our One Call Center at (888) 522-2265.

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