Rev. 8/2021
Security
COVID-19 Cybercrime: Every Click is a Risk
Emergencies offer golden opportunities for cybercriminals to launch fraudulent campaigns that feed off the climate of concern we are currently living in.
In light of recent events, cybercriminals are taking full advantage of the COVID-19 pandemic, posing as your financial institution and agency representatives to perpetrate fraudulent schemes.
During these unprecedented times, consumers may receive false information regarding the security of their deposits or their ability to access cash. As an FDIC insured bank, we want to reassure you that your deposits remain safe, along with your access to funds.
Other reported scams regarding the COVID-19 outbreak are taking place in various forms, such as phishing emails, World Health Organization (WHO) and Centers for Disease Control and Prevention (CDC) impersonators, robocalls, and fake charities asking consumers for money. These scammers may ask for personal information, such as bank account numbers, Social Security numbers, dates of birth, and other details that can be used to commit fraud or sell a person's identity. Consumers should not provide this information.
Along with the FDIC, Millennium Bank does not send unsolicited correspondence asking for money or sensitive personal information and we will never contact our customers asking for personal details, such as bank account information, credit and debit card numbers, Social Security numbers, PINs or passwords.
To help protect you and your family from falling victim to cybercriminals and scammers during the COVID-19 outbreak, practice these cybersecurity tips below from the Federal Bureau of Investigation (FBI).
• Do not open attachments or click links within emails from senders you don't recognize.
• Always verify the web address of legitimate websites and manually type them into your browser.
• Check for misspellings or wrong domains within a link (for example, an address that should end in a ".gov" ends in “.com" instead).
• Do not provide your username, password, date of birth, social security number, financial data, or other personal information in response to an email or robocall.
• Be wary of websites and apps claiming to track COVID-19 cases worldwide. Criminals are using malicious websites to infect and lock devices until payment is received.
• Should you receive a robocall, hang up and do not press any numbers. These recordings may say pressing a number will let you speak to a live operator or remove you from their call list, but it might lead to more robocalls, instead.
• If you plan on donating money to a COVID-19 relief fund, research charities prior to giving.
If you believe you're the victim of an internet scam or cybercrime, or if you want to report suspicious activity, please visit the FBI’s Internet Crime Complaint Center (IC3) at www.ic3.gov.
| Reasons we can share your personal information | Does Millennium Bank share? | Can you limit this sharing? |
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus |
Yes | No |
| For our marketing purposes - to offer our products and services to you |
No | We don't share |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes - information about your transactions and experiences |
No | We don't share |
| For our affiliates' everyday business purposes - information about your creditworthiness |
No | We don't share |
| For nonaffiliates to market you | No | We don't share |
Questions?
Call 847-296-9500 or go to www.milbnk.com
Who we are
Who is providing this notice?
• Millennium Bank
What we do
How does Millennium Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Millennium Bank collect my personal information?
We collect your personal information, for example, when you:
• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates and other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
• Sharing for affiliates’ everyday business purposes—information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Millennium Bank is an affiliate of Millennium Bancorp, Inc.
Nonaffiliates
Companies not related by common ownership or control. They can be financial and non-financial companies.
Millennium Bank does not share with non-affiliates so that they can market to you.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Millennium Bank does not jointly market.
Other Important Information
Illinois law requires that you opt-in to information sharing. Therefore, before we would share your information with a third party, except where permitted by law, we will obtain your permission.
Important Notice
Identity Theft- Protect Your Personal Information
Identity theft occurs when someone without your knowledge acquires your personal information and uses it without your permission to commit fraud or theft.
Fraudulent e-mails, known as “Phishing” is the act of sending an e-mail to a user falsely claiming to be an established legitimate enterprise. The e-mail attempts to convince the user into surrendering private information that could later be used for identity theft. These Web sites are bogus and should never be opened or responded to with your personal information.
Millennium Bank will never send emails to customers requesting sensitive information.
Should you receive an email that you suspect might be from a phisher, Millennium Bank offers the following information for protecting yourself against fraudulent e-mails:
• Do not give your Social Security number or other personal credit information about yourself to anyone who calls you
• Tear up receipts, bank statements and used credit cards offers before you throw them away
• Keep an eye out for missing mail
• 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
• Do not open e-mails from unknown sources
• Install virus detection software
• Protect your PINs and passwords; use a combination of letters and numbers and change them often
• Report any suspected fraud to your and fraud units of credit reporting agencies
Credit Bureau Contacts:
Equifax – www.equifax.com
To order your report, call 1-800-685-1111
To report fraud, call 1-800-525-6285
Experian – www.experian.com
To order your report, call 1-888-397-3742
To report Fraud, call 1-888-397-3742
Trans Union – www.transunion.com
To order your report, call 1-800-916-8800
To report fraud, call 1-800-680-7289
Please remember, Millennium Bank will never ask you to update account information online. If you receive an e-mail requesting personal information you SHOULD NOT reply or click on any link – even if it looks legitimate.
