In today’s digital world, identity theft has become an unfortunate part of everyday life. While it can feel overwhelming, the good news is that a few simple habits can reduce the risk.

Identity theft occurs when someone steals personal information, such as a Social Security number, bank account details, or credit card numbers, to commit fraud. The reality is fraudsters no longer rely solely on high‑tech schemes. They often take advantage of everyday moments: discarded mail, weak passwords, public Wi‑Fi networks, or oversharing on social media. Being aware of the risks puts readers in the best position to protect themselves.

Bank accounts are often the first target for identity theft, which is why strengthening daily banking habits can make a significant difference. Start by using strong, unique passwords for online banking and updating them regularly. Turning on multi‑factor authentication adds an important extra layer of protection by requiring an additional confirmation each time someone logs in. Make it a habit to monitor accounts frequently; mobile banking apps make this easy and can help people spot unusual activity early. Always be cautious with links sent through email or text, as legitimate banks will never ask for personal information through unsolicited messages. When in doubt, reach out to the financial institution directly. These small steps create strong barriers that make it more difficult for fraudsters to gain access to personal information.

Even if bank accounts appear safe, credit profiles can still be vulnerable. Credit monitoring services track changes to credit reports and alert clients to new accounts, credit inquiries, or suspicious behavior. Customers can also place a fraud alert on their credit file. This requires creditors to verify identity before opening new accounts. For even stronger protection, consider a credit freeze, which locks credit reports so that no new credit can be issued without cardholder approval.

If someone suspects their information has been compromised, they should take action immediately. Contact the bank or credit card company; most institutions can freeze accounts, assist with unauthorized charges, and guide customers through the next steps. It is also important to place a fraud alert or freeze credit with the three major credit bureaus to prevent new accounts from being opened in one’s name. Reporting the theft to the Federal Trade Commission (FTC) will give customers a personalized recovery plan and the documentation often needed for police reports. Throughout the process, keep detailed records of every call, notice, and report, as organized documentation helps streamline resolution. Recovering from identity theft can feel stressful, but most cases can be resolved with prompt action and the right support.

For more information on how to protect oneself from fraud, visit nsbonline.com/security-and-privacy.

About Newtown Savings Bank

Newtown Savings Bank is a community bank headquartered in Newtown, Connecticut with over $1.8 billion in assets. The Bank has been deeply committed to its customers and the community since 1855. It has 15 branches located in Newtown, Bethel, Bridgeport, Brookfield, Danbury, Monroe, Oxford, Shelton, Southbury, Trumbull, and Woodbury, along with the New Haven Regional Lending Center in Hamden, CT. For more information and location details visit nsbonline.com or call 800-461-0672. Member FDIC. Equal Housing Lender.