Fraud and Theft Information

At National Bank of Commerce, we’re dedicated to keeping your information private and protected. We follow strict security ordinances to ensure your information is secure.

Your financial security is our top priority, and we will never initiate a request for the following personal information from you via email, phone call or text:

  • Social Security number
  • Password
  • PIN
  • Account number

We strongly suggest that you never share these personal items with anyone.

Fraud Center Messaging
As a National Bank of Commerce cardholder, you will receive a free SMS Message (text alert) asking you to confirm or deny suspected fraud. View FAQs and details. 

Stolen or Lost ATM or Debit Card

Cancel your card immediately by calling:

  • 715.394.5531 during normal business hours
  • 1.866.546.8273 after hours and on weekends
You may also use the option in our Mobile Banking system to cancel your lost or stolen ATM/Debit card. You must be a Mobile Banking user to access this feature.

Stolen or Lost Checkbook

Call 715.394.5531 immediately to halt payment on any missing checks. If calling after normal business hours, please leave a detailed message that includes your name, account number and the telephone number where you can be reached.

Other Important Security Issues

Below is information and tips for keeping you and your personal information safe. Contact us immediately at 715.394.5531 or email if you have any suspicions about financial fraud issues.

Phone & Internet Spam

Be cautious with deals and requests on your phone and the Internet.

Email Fraud (Phishing)

This type of fraud is a form of Internet piracy that involves outside parties probing for your personal financial information. They trick you into disclosing sensitive information and then take advantage of your accounts and personal information.

Common Phishing Example

In most cases, you receive an email that appears to come from a legitimate financial institution. It may look just like an email from National Bank of Commerce or a government agency and notify you of a serious problem that requires your immediate attention or your account could be shut down. The email will prompt you to click a link. Do not click or send personal or financial information. Your information has not been compromised if you’ve received such an email.

How to Report Phishing

If you are sent a suspicious email claiming to be from National Bank of Commerce, please forward the email to:

If you have responded to a phishing email and are a customer of National Bank of Commerce, contact the bank now at 715.394.5531.

If you have responded to a phishing email but are not a National Bank of Commerce customer, contact your financial institution now.

For more information on phishing, visit:

Identity Theft

Identity theft has become the fastest growing crime in the country according to the Federal Trade Commission. It happens when someone steals your personal information to initiate fraud. Identity theft can occur whether or not you use the Internet.

The most common examples of identity theft are:

  • Credit Card Fraud – Someone opens credit cards in victim’s name or they make unauthorized charges to victim’s account.
  • Bank Fraud – Someone makes unauthorized withdrawals from victim’s account or opens a new bank account in victim’s name and writes fraudulent checks.
  • Fraudulent Loans – Someone obtains personal, business, auto or real estate loans under victim’s name.
  • Unauthorized Phone or Utility Services – Someone establishes new telephone, cellular or another utility in victim’s name.

Suspect You’re an Identity Theft Victim?

If you think your identity has been stolen and are a National Bank of Commerce customer, contact us directly at 715.394.5531. We will help evaluate the situation and help you take the crucial steps to keep your personal information safe.

Find out more about identity theft and tips to protect yourself at:

If you have suffered a loss, notify police.

Fraud Protection Tips

1. If contacted with a request for personal or financial information, do not provide information unless familiar with business.

2. Be prepared for caller to pressure you. Tell them you will discuss issue at local office or just hang up.

3. Contact bank or credit card company through previously provided phone numbers, addresses and websites.

4. Always type in the correct Internet address yourself when visiting any other bank’s website. Do not visit bank or credit card account through a link in an unsolicited email.

5. Before discarding credit card offers and bank statements, make sure to cut or shred so they are illegible.

6. Protect account numbers and frequently update and secure passwords and PINs.

7. Remove yourself from mailing lists by calling 1.888.5.OPTOUT (888.567.8688).

8. Promptly balance your statements and keep an eye on your bank and credit card accounts.

9. Open an online bank account and start using eStatements to prevent mail fraud. If you are a National Bank of Commerce customer, you can set up an online account by speaking with a representative at any branch. Mail fraud occurs when a person is sent scams through mail or has mailed personal information or items stolen. Another way to prevent mail fraud is to use a secure Postal Service collection box. If you suspect you are receiving fraudulent mail or your mail is being tampered with, contact the U.S. Postal Inspection Office.

10. Annually check your credit rating at:

PO Box 105873, Atlanta GA 30348

PO Box 949, Allen TX 75013-0949

Trans Union
PO Box 390, Springfield PA 19064

Or, find them all conveniently at: