Lost or Stolen Cards
To report a lost or stolen NNB ATM or Debit Card, please call 570-473-3531.
To report a lost or stolen NNB Visa Credit Card, please call Cardmember Services 24 hours a day at 800-558-3424.
Protect Your Personal Information
Northumberland National Bank will sometimes request certain personal identifying information such as your account number, social security number or driver’s license when you call us or stop in to one of our offices. We do this to verify and protect your identity. We also might contact you for personal or financial information if you are opening an account or applying for a loan with us, or if we need to verify an unusual transaction on your account.
We will never independently call or e-mail you to ask you for your account numbers, your ATM or debit card PIN, or other information. Some scammers try to obtain personal information by “phishing”: using fraudulent e-mail messages that appear to come from a financial institution or other legitimate business. The messages look and sound authentic, and often state that the recipient’s immediate attention is required. They provide a link to click on to verify account information, activate debit or credit cards, or complete a survey. Do not click on any links in these e-mails, or respond with any confidential information.
If you ever question the legitimacy of a telephone or e-mail request for your personal or financial information by a person claiming to represent The Northumberland National Bank, do not give out the information. Contact us at 570-473-3531 or 888-877-6623 to verify whether the call came from a bank representative.
If you do give out your account information, contact us as soon as possible so that we can close your account and open a new one. If you have given out your credit card information, contact the card issuer and ask that the card be closed and a new one issued with a different card number.
Internet Banking Customer Awareness
To ensure security in e-banking transactions and personal information, please be advised of your responsibilities as a consumer:
- Choose a strong Password
- Do not disclose Login ID and Password
- Do not store Login ID and Password on the computer
- You will be prompted to change your password every 90 days
- Password must be a combination of letters (uppercase and/or lowercase) and numbers
- Password must be at least 8 characters in length
Keep Personal Information Private
Do not disclose information such as address, mother’s maiden name, social security number, bank account number, etc.
Are you using the Correct Website?
- Check for the correct and secure website
- Verify correct website by correct URL address
- Verify secure website by the URL beginning with https://
- Beware of pharming websites that are “look-alike” websites to deceive consumers
- Protect Your PC and Personal Information from Hackers and Viruses
Install a firewall and reputable anti-virus software
- Keep anti-virus software up to date
- Keep your operating system and web browser up to date
- Never download any file or software that you are not familiar with
- Always remember to log-off site when transactions have been completed
- Clear the cache to remove stored information entered into the site
You should periodically check your credit report to be sure the information is accurate, and to protect against potential fraud or identity theft. Once a year you may receive a free copy of your credit report from www.annualcreditreport.com, or by calling 877-322-8228. If you discover inconsistencies on your credit report, notify one of the three credit bureaus listed below, and they will share the information with the other two agencies.
To report fraud, call: 1-800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
For the hearing impaired, call 1-800-255-0056 and ask the operator to dial
For the Auto Disclosure Line, call 1-800-685-1111 to request a copy of your report.
To report fraud, call: 1-888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
To report fraud, call: 1-800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
You should also report the crime to your local law enforcement agency and to the Federal Trade Commission (FTC). You can contact the FTC at 1-877-438-4338.
Tips for Preventing Identity Theft
The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. Below are some simple steps you can take to prevent you from becoming a victim of identity theft. More information on identity theft can also be found at www.ftc.gov and www.identitytheft.gov.
- Do not disclose personal information (including your Social Security number, bank account numbers, credit card numbers, personal identification numbers (PINs) or passwords) to anyone who should not have access to your accounts.
- Do not select a PIN that uses information readily found in your wallet or purse, such as your birth date or house number.
- Do not print your driver’s license number or Social Security number on your checks.
- Do not routinely carry important documents such as your Social Security card or passport.
- Sign new bank cards or credit cards immediately.
- Report lost or stolen credit cards or bank cards immediately.
- Review monthly statements promptly, and immediately report any transactions or charges that appear suspicious. Keep all receipts until you receive your statement.
- Call the company if you stop receiving regular bills or statements, to be sure no one fraudulently changed your address.
- Shred unneeded financial documents, such as old bank statements, and destroy cards you no longer use.
- Question any e-mails or phone inquiries that seem suspicious, especially if they request account information so they can “award a prize”.
The FDIC has just announced two cyber security brochures for consumers and businesses of financial institutions to educate them about appropriate steps they can take to help avoid fraud and other cyber threats when banking online or on their mobile devices.
Please see the links below.
Consumer Frauds and Scams
Most scams take advantage of the fact that the bank often must make deposited funds available to you before the deposited check is known to be fraudulent. Keep in mind that when you deposit or cash a check, you are basically acknowledging that you believe it is a good check and that it will be paid by the person who wrote it. If the check turns out to be a counterfeit, you will be responsible to pay back the bank for the full amount.
Con artists increasingly use counterfeit cashier’s checks, money orders, and other official bank checks because consumers trust them. If you receive a questionable check, our customer service personnel can help you verify whether it is a fraud.
Be aware of scams like the ones listed below. Additional information can also be found at www.fakechecks.org. If you receive a similar offer, remember that if something sounds too good to be true, it probably is a scam.
The Lottery Scam
You receive a large check, along with a letter stating that you have won a lottery, usually located in a foreign country. The instructions tell you to deposit the check and wire a portion of it back to cover fees or taxes on your winnings. By the time the check is returned as a counterfeit, you have already wired the money from your account. You will be responsible for the total amount of the check. Keep in mind that it is against the laws of the United States to buy or sell lottery tickets across the border, so any letter claiming that you have won a foreign lottery is a scam.
The Internet Purchase Scam
You sell an item on the internet, but the buyer sends you a check for an amount greater than the purchase price. The buyer asks you to wire back the extra amount. By the time the check is returned as a counterfeit, you have already wired the money from your account. You will be responsible to pay back the full amount of the check. If you sell on the internet, only accept checks for the exact amount of the purchase. Request a cashier’s check rather than a personal check, but remember that even a cashier’s check is not a guarantee of authenticity.
The On-line Love Scam
You’ve met someone special on-line, but he or she has a problem. They live in a foreign country and have a check in US dollars that they aren’t able to cash. Or they claim to have a medical or other emergency, and need your help getting a check cashed. Or they promise to come to the US to be with you, and need you to cash a check to cover travel expenses. If you agree to cash the check, you will be responsible for the entire amount when it turns out to be counterfeit. You should never cash a check for someone, unless it is a family member or a person you have known for a long time.
The Work-at-Home Scam
You’re promised easy money for working at home. All you have to do is process payments: your employer will send you checks which you deposit into your account. You then wire them the money minus your “pay”. You’re responsible for the full amount when the checks turn out to be counterfeit. Legitimate businesses don’t work this way; they deposit payments into their own account.
The Mystery Shopper Scam
You are sent a large check to cash, so that you can return the funds in order to “test” a wire transfer service. Or, you are asked to buy a few small items at a store, and send back the remaining money. In either case, the check is counterfeit, and you will need to pay the money back.
If you’re age 60 or older, you may be a special target of people who sell bogus products and services by phone. Telemarketing fraud is a multi-billion dollar business in the US; every year consumers lose anywhere from a few dollars to their life savings to telephone con artists. You’re encouraged to be skeptical when you receive a telephone solicitation. To eliminate most telemarketing calls, you can sign up for the free National Do Not Call Registry at www.donotcall.gov. Or call 888-382-1222 from the phone number (home phone or cell phone) you want to register.