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Privacy & Security USA > Protecting Yourself > Identity Theft > Protect Your Identity

Protect Your Identity

What to Do

  • Sign all credit cards as soon as you receive them.

  • Pay attention to billing cycles. If bills fail to arrive, contact the company to ensure the bill has not been illicitly redirected.

  • Review your financial statements and look for unauthorized transactions such as purchases and withdrawals.

  • Limit the number of credit and charge cards you own to reduce exposure.

  • Notify your creditors immediately if you have lost or had a card stolen.

  • Destroy cancelled cheques and store new cheques in a safe place.

  • Destroy pre-approved credit card applications, credit card receipts, bankbooks, bank statements with cheques and pay statements.

  • Cancel all inactive credit cards.

  • Review credit bureau files annually and immediately question any unknown credit inquiries or unauthorized accounts.

  • When using passwords, choose unique ones that are difficult for others to guess.

  • Before providing any personal information to a third party, find out how it will be used and if it will be shared.

  • Carry only the essential identification information you need with you and keep things like your Social Insurance Number/Social Security Number and passport secured at home or in a safety deposit box.

What to Avoid

  • Never record or keep a Client Card PIN, password or Social Insurance Number/Social Security Number in your wallet.

  • Only provide your Social Insurance Number/Social Security Number when absolutely necessary, i.e. for tax purposes and when opening accounts.

    Note that RBC will never request your Social Insurance Number/Social Security Number in an unsolicited email or phone call for any reason, for tax purposes or otherwise.

  • Don't leave mail lying around. Deposit outgoing mail in post office collection boxes or at your local post office, and promptly remove mail from your box after delivery.

  • Don't discard personal financial information (bills, bank statements, cancelled cheques) through your local recycling program.

  • Don't provide personal information such as birth date in response to an unsolicited email or telephone call.

  • Don't provide your credit card number unless you have initiated the call to a trusted third party.

  • Don't leave your purse or wallet unattended at work, restaurants, health clubs, in a shopping cart or at social gatherings.

  • Never lend credit or debit cards to anyone.