Ways Your Bank Account Number Can Be Stolen

There are many people that have their bank account number stolen.  While just your bank account information by itself may not pose much danger to you, a smart fraudster can easily put together additional pieces of the puzzle to help himself to your funds, or worse yet, steal your identity. In order to prevent your checking account numbers from being stolen, you can follow a few simple rules:

Checks Should Not Be Used As Scratch Paper

Since a lot of individuals carry their checkbook with them at all times, it is common for these individuals to use checks or deposit slips as scratch paper and unassumingly leave them lying around, or give to an unknown person.  Your complete checking account numbers as well as the bank’s routing number is noted on all checks and deposit slips, so be careful while discarding even cancelled checks or deposit slips.  A good practice is to shred all documents or tear it up into small pieces if you do not have a shredding machine close by.

Shred Your Statements & Financial Documents

Make it a habit to shred your bank’s financial statements before you throw them into the trash. Identity thieves are infamous for rifling through trash and retrieving your financial details.  Your home address and account numbers can be gathered at dumpsters. 

Never Disclose Bank Account Information Over the Phone or Email

Banks will never ask for bank account information over the phone or email.  They have this information already. For verification purposes, they will ask you for personal details.  If you receive phone calls or emails asking for bank account details, do not provide this information, under any circumstances.  A good customer representative will not press you for your account information, social security number, or any other critical data.

Computer & Phone Theft

Many people have a tendency to store financial information such as international bank account numbers in their home, office computers and cell phones. In the case of theft, anyone can easily access this data in a matter of seconds. Always password-protect such information if you decide to store it this way.  Keep your passwords and codes away from public computers or work environments. 

Online Theft

Someone who has access to your login and password credentials to your online bank account will be able to get complete details of your bank account number. This is a dangerous breach, since they can control your bank account to the fullest extent. Never disclose your login and password to your online banking system to anyone. If you feel this information has been compromised, change your password immediately.

Your Children

Ensure that you teach your children to never respond to requests for any personal information including bank accounts. Teach them to always politely decline to give out information and ask the person to call back when an elder is available to speak with them.


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