When it comes to protecting your identity and personal information you can never be too careful. NBT Bank provides the following safety tips to help you protect yourself against today's personal securty threats.
Identity theft occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. It can cost you time and money, destroy your credit and ruin your good name.
To help minimize your exposure to fraud and the impact it may have on your account, we have instituted new fraud detection measures for ATM and debit cards. NBT Bank now monitors your debit card and ATM transactions for unusual activity.
Help us protect your account. Speak with your local NBT Banker about updating your contact information including your:
And, be sure to let us know about upcoming trips to locations not in your normal travel pattern.
If we suspect fraudulent debit card or ATM use, fraud detection specialists calling on our behalf will contact you to validate the legitimacy of your transactions (this may be from a person or an automated-calling system). Your timely response to this call is critical in preventing potential risks and avoiding restrictions we may place on the use of your card.
If unusual activity is detected, our fraud detection specialists will first ask if you are the cardholder. They will verify they have the correct card by referencing the last four digits of your debit card or ATM number. You will also be asked to verify:
If you confirm that recent transactions are not authorized, your card will be deactivated and a new card issued.
If you are not at home when the call takes place you will be provided with a case number for reference and asked to contact our fraud detection specialists.
Please be diligent in monitoring transaction activity on your accounts and contact us immediately if you identify any fraudulent transactions. To learn more, contact your local NBT Banker or call 1.800.NBT.BANK.
Avoid giving out personal information. Remember that your personal identification number of PIN is private, so never give that out.
Unless required for a legitimate business purpose, avoid providing your:
Be cautious in stores and at ATMs. When using your card in a store or at an ATM, make sure you:
If you have any questions about your ATM or debit card, please contact your local NBT Bank office or our Call Center at 1-800-NBT-BANK (1-800-628-2265).
*The Federal Trade Commission is the source for this information. To learn more about identity theft visit ftc.gov/idtheft. Or request copies of identity theft resources by writing to: Consumer Response Center Federal Trade Commission 600 Pennsylvania Ave., NW, H-130 Washington, DC 20580.
On July 21, 2010, President Barack Obama signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law, which, in part, permanently raises the current standard maximum deposit insurance amount (SMDIA) to $250,000. The FDIC insurance coverage limit applies per depositor and per insured depository institution for each account ownership category.
To help consumers understand how the new law affects deposit insurance coverage and to help consumers verify whether their deposit accounts are fully protected, the FDIC provides the following resources.
FDIC Insurance Brochures
Updated brochures on deposit insurance coverage (including the basic guide, Deposit Insurance Summary, and the more comprehensive guide, Your Insured Deposits) are available.
Electronic Deposit Insurance Estimator
Use the FDIC’s Electronic Deposit Insurance Estimator (EDIE), an interactive service that allows consumers to quickly and easily check whether their accounts are fully protected.
Toll-free consumer assistance line
Help and information about deposit insurance and other matters of interest to bank customers are available at 1-877-ASK-FDIC (1-877-275-3342) Monday through Friday from 8:00 a.m. to 8:00 p.m., Eastern time. For the hearing-impaired, the number is 1-800-925-4618
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