Important Service Disruption:
When it comes to protecting your identity and personal information, you can never be too careful. Today’s technology makes many daily tasks much easier for us to manage, but unfortunately, it has also made it easier for people to access our personal information creating increased opportunity for identify theft and fraud.
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.
Don’t hit the panic button. Banks and other financial institutions work around the clock to protect you and your account. While we work to protect you, it’s important that you also take a proactive role in safe guarding your personal information.
Whether online, at home or out and about there are very easy ways to better protect you from personal security threats.
To help NBT Bank protect your account, it is important to keep us aware of any necessary updates to your contact information, such as your:
Heading on spring break or are you starting an internship out of town? Be sure to let us know about upcoming trips to locations not in your normal regional area. To help minimize your exposure to fraud and the impact it may have on your account, NBT Bank monitors your debit card and ATM transactions for unusual activity. Such trips or activity may be one of the triggers we catch.
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.
It’s also important to keep your security top of mind when using your ATM or iStrive Debit at the ATM or at a local or online business. Here are some great tips to keep in mind when you need to access your money or make a purchase:
To learn more, contact your local NBT Banker or call 1.800.NBT.BANK
*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.