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Equifax Security Breach

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Equifax Security Breach - What You Need To Know

Equifax, one of three major credit reporting companies, reported that its systems had been hacked and personal information concerning 143 million people had been obtained by the hackers. According to Equifax, “The information accessed primarily includes names, social security numbers, birth dates, addresses and, in some instances, driver’s license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed.”

Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559.

To be clear, this was NOT a compromise of Southern Michigan Bank and Trust (SMB&T) systems.  We wanted to share this information about Equifax to ensure you are aware of the issue and take the proper precautions to reduce the chances of fraud and identify theft. 

SMB&T strongly encourages our customers to take the following steps to protect yourself:

  1. Check if you are affected via a special website Equifax set up in order to provide updated information to consumers:
  2. Monitor your SMB&T account for fraudulent activity
    1. Online and Mobile Banking
    2. Account Alerts
    3. eStatements
  3. Consider placing a "fraud alert" on your credit report
  4. Consider placing a "credit freeze" on your credit report
  5. Monitor your credit report
    1. You may obtain a free copy of your credit report from each company listed below once every 12 months or by requesting your report online at
PO Box 740241
Atlanta, GA 30374
PO Box 9554
Allen, TX 75013
PO Box 2000
Chester, PA 19016
If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC) at or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at

Take advantage of SMB&T's account monitoring products!

Online and Mobile Banking
Your money is a simple click away.  With SMB&T Online and Mobile Banking, you can manage your accounts from anywhere, anytime. Click Here for details.
Account Alerts
With a few simple steps, you can stay informed about important activity in your deposit account(s) with alerts. Click Here for more details.
Guardian Alerts 
Guardian Alerts is an anti-fraud text alert service for ATM/debit card transactions. After enrolling, cardholders will receive text alerts for multiple debit card transaction types. Click Here for more details.