I called my credit union to ask how to secure my account after the Equifax Data Breach. News to me, they offer an additional level of security for phone call account access.

They allow customers to set up a password and security question on the account specifically as a phone call security method. So anyone calling the bank about my account will be challenged to give the password or answer the security question. Failing that challenge would require that the caller physically drive to the bank and present ids to a teller. Even if a hacker has my Identity data via the Equifax Data Breach, they can't get past this new layer of security. Note, this is totally separate from my online login to the bank which has separate password and security questions.

I am going to call a couple other banks today where I have accounts. If they do not offer this layer of security, I am moving my business to another bank that does. Period.

Of course some will say that 'bank account numbers' were NOT reported by Equifax as part of the breached data. So why worry. Well pardon me for not trusting sleazy Equifax on this. I have a copy of a credit report I received from them in the past, and the report contains 'bank account numbers'. If hackers got everything else, I think the odds are good that they could have obtained bank account numbers as well. If that is the case, the whole banking system is truly Foobar now.

BTW, you may have already set up credit freezes on your accounts as a result of the breach. I don't think that is going to stop a hacker from draining your bank deposits, because that is not an action that requires a credit check. Please correct me in the comments if I'm wrong.

PS. And isn't funny how the self-induced problem of a company that you have no relationship with, just became YOUR problem to deal with.

Good luck all. Have a great day.