Identity Theft & Fraud Prevention
Protect yourself from the rising threat of identity theft and fraud with these clear, practical steps.
At National Bank of Commerce, your financial security is our priority, and this guide gives you clear advice on how to stay safe and act quickly if something doesn’t look right.
We’re here to help.
What is Identity Theft?
Identity theft happens when someone gains access to personal information and uses it to commit fraud.
With your information, they might:
- Commit other identity-related crimes
- Apply for credit cards and loans in your name
- Steal money from your accounts
- Use your accounts to funnel other stolen funds
How Identity Theft Happens
Criminals use a variety of tactics to try to access your information. Here are the most common ones to watch for.
Phishing
Cybercriminals send legitimate-looking emails or texts to get you to provide personal or account information, or gain access to your device.
Spyware
Cybercriminals install software on your device to monitor your activity, capture usernames, passwords or account details, and access other personal information.
Hacking
Cybercriminals gain access to your device via technology or tools, or by hacking into networks like public Wi-Fi.
Pretexting
Criminals will pose as a financial institution, government agency, or technology company (like Microsoft or Apple) to obtain information from you via email, phone, or text messaging.
Stealing
A criminal steals your mail, account statements, wallet, or cell phone. They also may steal payments that you have sent in the mail.
Warning Signs to Watch For
Be cautious of:
- Urgent messages asking you to act immediately
- Requests for personal information
- Unexpected account activity
- Suspicious emails, texts, or calls
NBC will never contact you to request your full Social Security number, passwords, or PIN.
How to Protect Yourself
Is Online Banking Safe?
With identity theft and online scams on the rise, it’s natural to have questions about digital banking. Learn how banks help protect your information and the simple habits that can help keep your accounts secure.
How NBC Protects You
Fraud Alerts
You might receive text messages or automated calls if unusual activity is detected on your debit card.
- Text alerts are automatic and free
- You can opt out and opt back in
- Alerts show one transaction at a time
- You have 30 days to respond
Auto-Dialer Calls
If we can’t authenticate your identity, you’ll be referred to contact the bank directly. Verification is done using your phone number and billing ZIP code.
If Your Card or Checks Go Missing
A missing debit card or checkbook can put your information at risk, so it’s important to act quickly.
Debit or ATM Card
If your card is lost or stolen, contact us right away so we can help protect your account.
You can also report a lost card through the NBC-Mobile app.
business hours
after hours and weekends
Checkbook
If your checkbook goes missing, call 715.394.5531. If it’s after hours, please leave a detailed message with your name, account number, and phone number.
What to Do If You Believe Your Identity Has Been Compromised
1. Contact Your Financial Institution
If you think your identity has been stolen and are an NBC customer, contact us directly at 715.394.5531 during business hours or 866.546.8273 after hours and on weekends. We will help evaluate the situation and take the necessary steps to keep your personal information safe. You can also report a lost card through the NBC-Mobile app.
2. Review Your Credit Reports
Check your report for accounts you didn’t open, and consider placing a free credit freeze.
Experian
TransUnion
Equifax
3. Contact Law Enforcement
Provide all information related to the ID theft. Record the police report number and request a copy. This may assist you in disputing charges with certain companies.
4. Report Identity Theft or Fraud to the Federal Trade Commission (FTC)
If your personal information was used to open accounts, make purchases, or commit fraud in your name, visit identitytheft.gov to file a report and get a customized recovery plan.
If you have experienced fraud that may not involve identity theft, such as a scam, suspicious business practice, or fraudulent transaction, visit reportfraud.ftc.gov. Your report can help the FTC track scams and share information with law enforcement.
5. Report Cybercrime if Needed
If you believe the ID theft occurred because of cybercrime like phishing or spyware, file a report with the Internet Crime Complaint Center (IC3) at ic3.gov.
6. Take Additional Preventive Measures
- Update usernames and passwords for all active accounts, even if only one account was compromised. Use unique passwords for financial accounts and consider using a password manager.
- Keep phones, computers, and browsers updated with the latest security updates.
- Use multi-factor authentication when available to add another layer of protection to your online accounts.
Quick Report Links
Staying aware and taking small preventive steps can make a big difference in keeping your information safe.