Responding to Fraud & Identity Theft



If you suspect fraud

If your personal information has been lost, stolen or compromised, First PREMIER Bank can help minimize loss by closing your accounts, changing account information or taking other appropriate measures. If you suspect fraud, please contact our Customer Care Team at (800) 501-6535 immediately. The sooner we know what happened, the sooner we can assist you. We recommend following these additional steps when responding to fraud or identity theft:

Change passwords for the accounts you feel have been compromised. Here are some best practices for password management:


Create passwords with more than eight alphanumeric characters

Mix capital, lowercase and symbols

Sign out when finished with online banking

Password-protect your computer and mobile devices

Use different passwords across devices and services

Verify that you are on a trusted site before providing your information


Share your User ID, Account Information, Password, or SSN with others

Include your password, account or sensitive information over non-secure email

Share sensitive information in response to an inquiry you did not initiate

Include guessable words, like "password”, family or pet names

Use your birthdate or phone number as your password

Keep pins and passwords in the open

If you have been a victim of identity theft or fraud online, by phone or through the mail, contact your local police and file a police report. Filing this report will help you with creditors and agencies who may want proof that a crime occurred.

Credit reporting agencies can assist you in filing the appropriate fraud alert depending on the type of fraud or identity theft that occurs. Call one of the three following agencies if you’re a victim of fraud, ID theft or don’t recognize a creditor on your credit report:

Experian:        1-888-397-3742 or
Equifax:          1-800-525-6285 or
TransUnion:    1-800-916-8800 or

You can also report fraud or identity theft crimes to the following agencies and local prevention organizations:

National Fraud Information Center:

Better Business Bureau (serving South Dakota, Nebraska and southwest Iowa):
(605) 271-2066 or

To minimize the risk of future fraud or identity theft, here are some additional actions you can take:

Add Your Number to the National Do Not Call Registry

Call 1-888-382-1222 or visit to register your phone number and eliminate telemarketing calls. Companies are prohibited from making unsolicited calls to these numbers. However, political and charitable calls may continue.

Opt Out of Credit Card Offers

Call 1-888-5-OPTOUT (1-888-567-8688) to remove your name from a list of pre-approved credit and insurance offers. Credit bureaus will be prohibited from sharing your name and credit information for these offers.

Get a Free Credit Report

Look for any indication of ID theft or fraud and make sure your credit is being accurately reported by calling 1-877-322-8228 or visiting or for a free credit report. You can request a free report from each of the three reporting agencies annual and stagger throughout the year.

Consider Credit Monitoring

If you discover your account has been compromised, or if you have been notified of a data breach, credit monitoring is advisable. In the cases where there was a corporate or government breach (e.g. Anthem, Experian or the U.S. Office of Personnel Management), some credit monitoring may be provided to you at no charge. While no solution is 100% bullet proof, a credit and/or identity monitoring service can provide an extra layer of security by monitoring your social security number and accounts for activity, actions, new account openings, police records and more. Many also offer issue resolution support.