Important Consumer Information

  1. Online Security
  2. Data Breaches: Protect Your Information and Money
  3. Five Tips To Establish Good Saving Habits
  4. Family Financial Eduation Resources
  5. Helpful Links

Online Security back to the top

We recognize the importance our customers place on the privacy and security of their personal information. Our goal is to protect your personal information in every way that we interact with you, whether it's on the telephone, in our lobby, at one of our ATMs, or on the Internet.  Lake Community Bank and our service providers have developed strict policies and procedures that require confidential treatment of your information. We restrict employee access to your personal information on a "need to know" basis and educate our employees about the importance of customer privacy and to help ensure compliance with our policy requirements.

Click here for a link to our privacy policy

What should I do to protect myself from online fraud?  

  • Change your passwords often.
  • Don’t use the same ID and PIN/Password for every online account you have.
  • Never disclose your login credentials to other people or companies.
  • Do not store your ID and Password information where others could gain access to it. It is best not to write the information down at all.
  • If accessing information via a wireless network, ensure that the network is secure. Accessing sensitive information (or any website) over a non-secure network simply leaves the door open for criminals. Even if you aren’t visiting a site where you enter an ID and password, you are still leaving your computer exposed to possible threats.

While nothing is foolproof, and new viruses and scams are being developed every day, following these guidelines as well as having a general awareness of the threats that are out there enables you to bank online with more peace of mind and less risk of being a victim of fraud.

 Other Helpful Tips to Stay Secure  

  • Install a consumer firewall/router to protect your home network and never connect your computer directly to your cable modem. There are many qualified vendors who provide choices so check with your computer specialist for one that’s right for you.
  • Do not use the default password or default settings for your firewall. If unsure how to configure and secure the firewall correctly, use the services of a professional.
  • Make sure you have an anti-virus solution installed on each computer. Ideally, use a software package that includes anti-virus, software-based firewall, anti-spyware, anti-malware and anti-phishing.
  • Always keep your desktop security services software up to date including the latest releases of the software itself as well as updated virus definition files.
  • Be wary when opening email from people that you do not know.
  • Do not click on random pop-ups when browsing the Internet.
  • Change your passwords on a regular basis and do not use the same user id and password for every account.
  • Choose “strong” passwords that include mixed-case letters, numbers, and valid symbols (e.g. underscore or dash).
  • Run update processes on a regular basis to keep up with the latest security fixes and patches.

Be wary of any offer that seems too good to be true or one that asks you to provide any personal information. Most companies will not ask for personal information (e.g. credit card numbers, Social Security numbers, account numbers, etc.) through email.

Click here to learn more about Malware   |    Click here to learn more about securing your home network

Data Breaches: Protect Your Information and Money  back to the top

Banks are national leaders in preserving the security of customer data. The industry dedicates hundreds of millions of dollars annually to data security, and adheres to strict regulatory and network requirements. The banking industry’s first priority is to protect consumers and make them whole.

In the event of a data breach:

  • Report any suspected fraud to your bank immediately.
  • Use online banking to protect yourself. Monitor your financial accounts regularly for fraudulent transactions. Sign up for text or email alerts from your bank for certain types of transactions, such as online purchases or transactions of more than $500. Ask us to learn how!
  • Beware of phishing scams. Never give out personal financial information in an email or over the phone unless you have initiated the contact.
  • Monitor your credit report. Order a free copy of your credit report every four months from one of the three credit reporting agencies at

If you suspect you might be a victim of identity theft, contact the three major credit bureaus listed below to learn about placing a Fraud Alert on your credit file:

Equifax: P.O. Box 740250 Atlanta, GA 30374- 0241 Report fraud: Call (888) 766-0008 and write to address above. TDD: (800) 255-0056 Web:

Experian: PO Box 9532 Allen TX, 75013 Report fraud: Call (888) 397-3742 and write to address above. TDD: Use relay to fraud number above. Web:

TransUnion: P.O. Box 6790 Fullerton, CA 92834-6790 Report fraud: (800) 680-7289 and write to address above. TDD: (877) 553-7803 Email (fraud victims only): Web:

Five Tips to Establish Good Savings Habits  back to the top

Download our Family Savings Goal Worksheet in English or Spanish.

  • Pay yourself first. If you wait to see what's left over, you are less likely to save. Determine in advance how much money you plan to keep on deposit each month. If you receive a raise, increase the amount of money deposited into your savings account.
  • Take advantage of bank technology. Consider automatic payroll deductions or automatic transfer from checking to savings. Arrange to have a specific amount transferred to your savings account every pay period. Ask us how!
  • Pay your bills on time-and pay more than the minimum amount. Although 97 percent of Americans pay their bills on time, some consumers find themselves paying late fees. Alleviate the hassle by scheduling time once a month to pay bills, and put them in the mail with enough time to get to the creditor. Ask us about our Bill Payment product!
  • Determine needs versus wants. Do you need to eat out every day for lunch? Do you need that gourmet cup of coffee in the morning? By bringing your lunch to work a couple days a week, you can save hundreds of dollars a year.
  • Talk to us. Ask which package of bank products and services would best suit your needs. Your banker is the best source of information about accounts and services available at your bank.

Family Financial Education Recources  back to the top

Helpful Links  back to the top

Annual Credit Report

Consumer Protection Basics

ID Theft and Online Security

The Internet Crime Complaint Center

National White Collar Crime Center

Privacy Rights Clearinghouse