Carbondale Downtown location - 216 East Main Street
Drive Thru hours: 7:30 am - noon. Lobby: closed

All other locations will be closed

The Bank of Carbondale

Up-To-Date Security Alerts

Nothing to report!

What Is Identity Theft?

Identity Theft occurs when someone uses your name, date of birth, Social Security number, or some other personal, financial, or medical information without your permission to commit fraud or some other crime, generally for economic gain. Identity theft is also used to fraudulently obtain government documents such as driver licenses and birth certificates. Victims of identity theft can spend many long hours trying to repair the damage that criminals have done to their credit record.

How Do Thieves Get Your Information?

Thieves get your personal information in a variety of ways so they can steal your identity and your money. These include in-person, phone, and online methods.

Examples of some of the methods used include:

Stealing mail from mailboxes
Taking bills, credit card applications, bank statements and other correspondence which may have personal information contained on them.

Dumpster Diving
Looking through the trash for discarded mail, bills, credit card applications, etc to obtain personal information.

An email that appears to be from a legitimate organization sent to a large email list with the hope of luring some users into giving out personal financial information.

Phone call that appears to be coming from a legitimate company asking you to provide personal information. The call can be from a live person or may be an automated message.

Smishing (SMS Phishing)
Text message on your cell phone asking you to provide personal information or directing you to a web site where you will be asked for personal information.

Spoof Websites
Fake Websites created to appear as official ones.

Warning Signs That Someone Has Stolen Your Information

  • Unauthorized charges on your bank statements and other billing statements you didn't authorize.
  • Missing bills in the mail.
  • Unexpected bills for purchases you did not make or medical services you did not use.
  • Receiving credit cards in the mail that you did not request
  • Calls or letters from debt collectors about purchases you have not made.
  • Being denied credit or being offered a high interest rate on a new account.
  • The IRS notifies you that more than one tax return was filed in your name.
  • Notification of a data breach at a company you have done business with.

You can report Identity Theft on the Federal Trade Commission's website

Protect Your Identity!

Helpful Tips for Protecting Your Identity:

  • Shred all documents containing personal information before throwing them away (e.g. bank statements, credit card statements, utility bills, medical information, credit card offers)
  • Use a locked, secure mailbox or US Post Office Box
  • Do not provide personal information to individuals in person, on the phone or online unless it is sources you know or have contacted first.
  • Review your monthly bank statements and other billing statements carefully for any suspicious activity or charges you didn't authorize.
  • Do not respond to any email, phone or text messages that ask for your personal or financial information. Don't click on email links in the message, or call phone numbers that are left on your answering machine.
  • Get a free copy of your credit report by visiting, the official source for free credit reports authorized by Federal law. This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer credit reporting agencies: Equifax, Experian and TransUnion.

Reporting Scams & Identity Theft

If you receive an email, phone call, or text message from The Bank of Carbondale asking you for any personal information (e.g. account number or social security) please notify us immediately. The Bank of Carbondale will never call you or email you and ask for your personal information.

Report online scams and identity theft to the Federal Trade Commission:

Helpful Links

Federal Trade Commission

Federal Deposit Insurance Corporation

Anti-Phishing Working Group (the official source for free credit reports authorized by Federal law)

Nationwide consumer credit reporting agencies:




Your Hometown Friend
216 East Main Street
P.O. Box 2287
Carbondale, IL 62902-2287
(618) 549-2181