As Central State Bank customers, your financial security is our highest priority. As most of you know Equifax (one of the 3 primary credit reporting agencies in the U.S.) discovered a data breach in late July that has an estimated impact on more than 140,000,000 Americans. It is CSB's mission to provide our customers with information and direction that will help them to understand this event and take action to protect themselves.

Please read the information below. Explore the links and familiarize yourself with what has happened and what you can do to protect yourself. If you have further questions please feel free to call one of our branches and we will do our utmost to serve your needs.

Frequently Asked Questions

I’ve been hearing about the Equifax breach in the news. What happened?

Equifax, one of the three major credit bureaus,experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?

If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

How can I protect myself?

Enroll in Equifax’s services.

Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at

Monitor your credit reports.

In addition, you can order a free copyof your credit report from all three of the credit reporting agencies You are entitled to one free report from each of thecredit bureaus once per year.

Monitor your bank accounts.

We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts. 

Watch out for scams related to the breach.

Do not trust e-mails that appear to comefrom Equifax regarding the breach. Attackers are likely to take advantage ofthe situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?

Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

How do I contact the three major credit bureaus to place a freeze on my files?

Equifax: Call 800-349-9960 or visit its website.

Experian: Call 888-397-3742 or visitits website.

TransUnion: Call 888-909-8872 or visit its website.

Where can I get more information about the Equifax breach?

You can learn more directly from Equifax at can also learn more by visiting the Federal Trade Commission’s web page onthe breach at To learn more about how to protect yourself after a breach, visit