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2013 was quite a year in the financial world. The stock market reached record highs and interest rates remained low. Unfortunately, data breaches of debit and credit cards also reached new heights. It's important to monitor your accounts frequently and call us immediately if you notice any fraudulent activity. 

You can monitor your Voyager Bank account transactions with our Personal and Business Online Banking products or by contacting your Voyager Bank account representative. In addition, our eAlert service is an efficient and free way to track your account activity and prevent fraud. 

As we start a new year, we will continue to keep you updated regarding important financial news and how we're helping reduce the risk of identity theft. 

Our best wishes for a happy and prosperous 2014!


Scott Weaver 



Update on Target Data Breach
As you may know, data was compromised from debit and credit cards used to make purchases at Target stores nationwide between November 27 and December 15, 2013. The data included customer name, card number, the card's expiration date and CVV (three-digit security code) on the back. 

If you used a credit or debit card at a Target store (not online) during the breach period: 

1) Frequently monitor your credit/debit card account for unauthorized transactions. If you are not an online banking client, contact Voyager Bank to review activity. 

2) Report any unauthorized transactions immediately.

Focus on unauthorized credit and debit card transactions, not your credit score. Credit monitoring can be a useful tool if someone steals your identify information, such as date of birth, account passwords or Social Security numbers, and sets up new accounts in your name. Plus, fraudulent use of your credit card would not trigger an alert on your credit report and debit card transactions aren't reported to the credit bureaus. 

At Voyager Bank, we will continue to monitor the situation and review transactions to identify any debit cardholders who may have been impacted by this data breach. Please go to for complete and timely details.

Go to for more information regarding the breach. 

Tax Refund Fraud a "Growing Epidemic"   
Tax refund fraud has exploded in recent years. Scammers typically use stolen names and Social Security numbers to file phony electronic tax forms for IRS refunds. "Identity theft (to steal refunds) is a growing epidemic," according to J. Russell George, Treasury Inspector General for Tax Administration (TIGTA). About 1.6 million Americans were victims of ID theft/tax refund crimes last year through June, up from 1.2 million taxpayers in all of 2012. 
What you can do: 
File your tax returns as soon as you can. Scammers tend to file early so that victims are not even aware that someone has filed for a phony tax refund until the IRS responds to the victim's filing. If you file in April and someone has already used your identity to file a false return in your name, your refund will be delayed. 
Safeguard your SSN. The rule is don't give your Social Security Number (SSN) to anyone unless it's absolutely necessary and you trust the source. 
Watch for a legitimate notice from IRS and respond immediately. Remember the IRS does not initiate contact with taxpayers by email or text to request personal or financial information. 
Monitor your credit report regularly. You can get a free credit report at