Identity Theft Action List

Personal
Bank
Personal Checking Personal Savings Debit Cards
Borrow
Personal Credit Cards Home Loans Auto Loans
Manage
Personal Online Banking Personal Mobile Banking Manage My Auto Loan
Explore More Services
Additional Services Overdraft Services Wealth Management
Business & Commercial
Banking Services
Digital Banking Checking Savings Solutions
Treasury Management
Payable Solutions Receivable Solutions Fraud Prevention Cash Management
Commercial Lending
Term Loans & Lines of Credit Multi-Family Lending Commercial Real Estate Owner Occupied Real Estate Equipment Financing Trade Services & Letters of Credit
Small Business Lending
Term Loans & Lines of Credit Owner Occupied Real Estate SBA Loans Meet Our Team
Business Solutions
Merchant Services Payroll Business Credit Cards PPP/CARES Act Workplace Benefit Plans
Industry Expertise
Auto Dealerships - Indirect Lending International Services Wine & Vineyards Title and Escrow Loan Payoff Demand Request Mortgage Loan Servicing
Wealth Management
Learn About Us
How We Work Our Team
Banking Services
Private Banking
Explore Solutions
Trust and Estate Services Investment Management Retirement Planning Employee Benefit Plans Specialty Asset Management
Resources
Connecting With Us
Contact Us Locations Social Media Channels
Resources & Tools
Help Center Financial Education
Privacy & Security
Know Fraud When You See It Protect Your Accounts Privacy Policy Online Privacy Policy California Privacy Notice
Agreements & Disclosures
Regulatory & Federal Resources
About Us
Who We Are
Why Bank With Us? History & Heritage Executives & Board Safety & Soundness Investor Relations News & Press
Our Community Commitment
Community Service CRA Public File Mechanics Bank Arena
Careers
Joining Mechanics Bank Current Career Opportunities Equal Employment Opportunity Notice to Recruiters

Personal
Bank

Personal Checking

Order Checks

Compare Checking Accounts

How to Apply

Personal Savings

Money Markets & CDs

Retirement

Compare Savings Accounts

How to Apply

Debit Cards

Card Controls

Borrow

Personal Credit Cards

Home Loans

Mortgage Loan Representatives

Mortgage Calculator

Mortgage Documents Checklist

Auto Loans

Manage

Personal Online Banking

Personal Mobile Banking

Manage My Auto Loan

Explore More Services

Additional Services

Overdraft Services

Wealth Management
Business & Commercial
Banking Services

Digital Banking

Business Online Banking

Business Mobile Banking

Checking

Compare Checking Accounts

Order Business Checks

Savings Solutions

Treasury Management

Payable Solutions

Receivable Solutions

Fraud Prevention

Cash Management

Commercial Lending

Term Loans & Lines of Credit

Multi-Family Lending

Commercial Real Estate

Owner Occupied Real Estate

Equipment Financing

Trade Services & Letters of Credit

Small Business Lending

Term Loans & Lines of Credit

Owner Occupied Real Estate

SBA Loans

Meet Our Team

Business Solutions

Merchant Services

Payroll

Business Credit Cards

PPP/CARES Act

Workplace Benefit Plans

Industry Expertise

Auto Dealerships - Indirect Lending

International Services

Wine & Vineyards

Title and Escrow

Loan Payoff Demand Request

Mortgage Loan Servicing
Wealth Management
Learn About Us

How We Work

Our Team

Banking Services

Private Banking

Explore Solutions

Trust and Estate Services

Investment Management

Retirement Planning

Employee Benefit Plans

Specialty Asset Management
Resources
Connecting With Us

Contact Us

Locations

Social Media Channels

Resources & Tools

Help Center

Financial Education

Privacy & Security

Know Fraud When You See It

Protect Your Accounts

Privacy Policy

Online Privacy Policy

California Privacy Notice

Agreements & Disclosures

Regulatory & Federal Resources
About Us
Who We Are

Why Bank With Us?

History & Heritage

Executives & Board

Safety & Soundness

Investor Relations

News & Press

Our Community Commitment

Community Service

CRA Public File

Mechanics Bank Arena

Careers

Joining Mechanics Bank

Current Career Opportunities

Equal Employment Opportunity

Notice to Recruiters

Help
Contact Us
Locations
Sign In

Routing Number: 121102036

Sign In
Take Me To:
Forgot or need help with: User ID | Password

What To Do If You Are A Victim Of Identity Theft

Resources > Privacy & Security > Identity Theft

Identity theft can be stressful, but following the steps below can help minimize any long-term effects it may have on your finances.

#1 Contact Us

If you suspect fraudulent activity on your accounts, have been a victim of identity theft, if you receive a suspicious email, text or call that you think is from us, please contact our Customer Care at the number below immediately. If a Mechanics Bank Account has been opened under your Social Security Number that you did not authorize, visit a local Mechanics Bank Branch to file an Identity Theft Claim. 800.797.6324
Monday – Friday: 7 am – 7 pm
Saturday: 9 am – 5 pm
#2 File An Initial Fraud Alert
File an initial fraud report with one of the three credit bureaus, Equifax, Experian or TransUnion, and tell the representative you want to place an initial fraud alert on your file. It doesn't matter which bureau you contact, because whichever one you chose by law has to contact the other two. It's free to place an alert and it will stay on your credit report for one year.
#3 Initiate A Credit Freeze
A credit freeze means that no creditors can look at your report without your permission. This can prevent a criminal from opening a new account in your name. You can lift a credit freeze at any time, or you can lift it temporarily so someone you authorize can look at your report. To request a credit freeze, you will need to contact each of the three credit bureaus.
#4 Go Through Your Credit Reports
After you have set-up an initial fraud alert and credit freeze, go through your credit report. Your initial fraud report will give you free access to your credit reports. Contact each credit agency to request a copy. You can also do this when you set up your credit freeze. Review each report carefully and note any charge that isn't yours.
#5 File An Identity Theft Report
If a Mechanics Bank Account has been opened without your knowledge or consent, visit any Mechanics Bank Branch to file a claim of Identity Theft. If an account has been opened at another financial institution file an identity theft report to let federal and local authorities of the crime. The report will help serve to remove fraudulent information from your credit report. Filing an identity theft report is a two step process. First, file a report with the Federal Trade Commission. You can print or save your report when you submit it. Next, you'll want to file a report with your local police department. Make sure to request a copy, Your FTC affidavit and your police report make your identify theft report.
#6 Report Disputes
To report disputes, you will need to contact each of the three credit reporting bureaus. It's a good idea to write down the details of each call you make. The FTC has helpful information for this part of the process, like checklists and instructions on how to dispute claims.