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Identity Theft
ABA Routing Number
Report Lost or Stolen Cards
Financial Information and Resources 

 What is Identity Theft?

Identity theft occurs when someone acquires your personal information and uses it without your knowledge to commit fraud or theft. It is a serious crime and cases are growing. An all-too-common example is when an identity thief uses your personal information to open a credit card account in your name.

No matter how cautious you are, there is no way to completely prevent identity theft from occurring. But there are ways you can help minimize your risk. This page contains valuable information on how you can protect yourself by managing your personal information wisely, the warning signs of identity theft, and what to do if you do become a victim.

Helpful Tips

  • Don't give out personal information on the phone, through the mail or over the Internet unless you've initiated the contact or are sure you know whom you're dealing with.
  • Don't carry your Social Security card with you; leave it in a secure place. Carry only the identification and credit and debit cards that you need.
  • Don't put your address, phone number, or driver’s license number on credit card sales receipts.
  • Social Security numbers or phone numbers should not be put on your checks.
  • Shred your charge receipts, copies of credit applications, insurance forms, physician statements, checks and bank statements, expired charge cards that you're discarding, and credit offers you get in the mail.
  • Secure your credit card, bank, and phone accounts with passwords. Avoid using easily available information like birth date, the last four digits of your SSN, or your phone number. When opening new accounts, you may find that many businesses still have a line on their applications for your mother's maiden name. Use a password instead.
  • Secure personal information in your home, particularly if you have roommates or hire outside help.
  • Promptly remove mail from your mailbox. If you're planning to be away from home and can't pick up your mail, call the U.S. Postal Service at 1-800-275-8777 to request a vacation hold.
  • Ask about information security procedures in your workplace. Find out who has access to your personal information and verify that records are kept in a secure location. Ask about the disposal procedures for those records as well.
  • Before revealing any personally identifying information (for example, on an application), find out how it will be used and secured, and whether it will be shared with others. Ask if you have a choice about the use of your information. Can you choose to have it kept confidential?

Check your credit report

Order a copy of your credit report from each of the three major credit-reporting agencies every year. Make sure it is accurate and includes only those activities you have authorized. By checking your report on a regular basis you can catch mistakes and fraud before they wreak havoc on your personal finances. Don't underestimate the importance of this step. Click here to check your credit with one of the agencies.

About Phishing

Phishing is a form of identity theft and usually comes in the form of fraudulent emails that appear to come from legitimate sources. These emails ask customers to verify personal information or link to counterfeit Web sites that appear real. Watch for emails that:

  • Urge you to act quickly because your account may be suspended or closed, or to update your personal information
  • Don't address you by name, but use a more generic one like "Dear valued customer"
  • Ask for account numbers, passwords, Access IDs, or other personal information

Inland Bank and Trust will NEVER ask for sensitive information, such as account numbers, Access IDs or passwords, via e-mail.

The American Bankers Association offers the following tips for protecting yourself against phishing:

  • Don’t give your Social Security number or other personal credit information about yourself to anyone who calls you
  • Tear up receipts, bank statements and unused credit card offers before throwing them away
  • Keep an eye out for any missing mail
  • Don’t mail bills from your own mailbox with the flag up
  • Review your monthly accounts regularly for any unauthorized charges
  • Order copies of your credit report once a year to ensure accuracy
  • Do business with companies you know are reputable, particularly online
  • Don’t open email from unknown sources and use virus detection software
  • Protect your PINs (don't carry them in your wallet!) and passwords; use a combination of letters and numbers for your passwords and change them periodically
  • Report any suspected fraud to your bank and the fraud units of the three credit reporting agencies immediately

If you become a victim, contact:

  • The fraud departments of the three major credit bureaus (contacts below)
  • The creditors of any accounts that have been misused
  • Your local police to file a report
  • Inland Bank and Trust and any other banks with whom you have accounts, to cancel existing accounts held in your name and re-open new accounts with new passwords. Inland Bank and Trust is committed to safeguarding our customers’ financial information. Maintaining our customers’ trust and confidence is a top priority. To learn more about how we protect your information, please view our Privacy Policy by clicking on the link at the bottom of our website.

Credit Bureau Contacts:

Equifax -

To order your report, call: 1-800-685-1111
To report fraud, call: 1-800-525-6285

Experian -

To order your credit report or report fraud, call: 1-888-EXPERIAN (397-3742)
(800) 301-7195

TransUnion -

To order your report, call: 800-916-8800
To report fraud, call: 1-800-680-7289

Federal Trade Commission

For comprehensive information on general consumer interests, policies, issues and consumer protection, visit the website of the Federal Trade Commission at

Free Credit Report link

If you are interested in obtaining a copy of your credit report, please click the link below.

 ABA Routing Number

Inland Bank and Trust's ABA Routing Number is 071925596

 Switch Kit

It’s Easy to Switch Your Automatic Transactions to Inland Bank.

Click on the convenient PDF forms below to close your accounts and change your Direct Deposit and Automatic Withdrawals. If you need help completing any of them, stop by the Inland Bank in your area or give us a call.

To download either Change Direct Deposits, Change Automatic Withdrawals, or Close Account forms, click one of the links below.

This checklist will help identify who you need to contact:

Direct Deposit

  • Your employer's human resources department
  • The company handling your retirement or pension payments
  • Social Security Administration - If you receive deposits other than payroll direct deposit, such as retirement or Social Security payments, contact the depositor for instructions on changing these deposits to your new Inland Bank account.

Anyone who makes automatic withdrawals from your account:

  • Utility companies
  • Telephone company
  • Cable company
  • Other

 Report a Lost or Stolen Card

To report a lost or stolen VISA® Debit Card or ATM Card:

During normal business hours, please call one of our branch offices. 
After normal business hours, please call 800-554-8969

Financial Information and Resources

Click below for information on the FDIC Electronic Deposit Insurance Estimator or EDIE:

Click below for FDIC Consumer News: