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At NBT Bank, we’re always working to keep you up to date on—and protected against—the latest scams and threats to your identity. Click the headings below to read the most recent alerts and information, so you know what to look out for when it comes to fraud.
Tax season offers a new opportunity for fraudsters to work at stealing personal information and financial resources from unsuspecting consumers. Scammers claim to be from the IRS and provide fake names and badge numbers. They might be able to recite the last four digits of a victim’s Social Security Number (SSN) and spoof the IRS toll-free number on caller ID. While this might make the call more convincing, giving out enough personal information gives them the ability to file fraudulent returns.
What you need to know:
In some cases, the taxpayer receives a recorded voicemail threatening criminal action and blacklisting of their social security number if the funds are not returned. In either case, consumers should be warned never to share their information with individuals posing as the IRS.
If you have questions about this scam or think you might be a victim, call NBT Bank customer service at 1-800-NBT-BANK. Customer service representatives are available Monday through Friday from 7:00 a.m. to 7:00 p.m. and Saturday from 9:00 a.m. to 12:00 p.m.
On a daily basis, consumers and businesses are subject to malicious attacks from cyber criminals and fraudsters who are professionals at stealing information and financial resources. NBT Bank wants to give you the tools to recognize these red flags and the proper resources to report them so you don’t become a victim. Click on the dropdowns below to read more on the different topics.
ATM attacks are becoming much more frequent in the United States. They occur when cybercriminals target ATMs by utilizing physical and technology-based means to steal funds from a financial institution and from consumer accounts. Often, these attacks occur around holidays as an attempt to prevent or delay being detected. There are four common types of attacks to be aware of: skimming, shimming, cash-out schemes, and jackpotting.
If you notice any unusual transactions on your account or believe your account information might be compromised, notify NBT Bank immediately by calling 1-800-NBT-BANK (1-800-628-2265). Customer service representatives are available Monday through Friday 7 a.m. to 7 p.m. and Saturday from 9 a.m. to 12 p.m.
NBT Bank has been made aware of an email phishing attempt that has been increasing in frequency. Phishing is an email fraud attempt where an individual is asked to click on links or attachments in an email to gather personal information or cause damage to a computer or network.
In the latest phishing attempt, fraudsters send emails that make it look like a purchase was made from your phone’s app store. In order to cancel the transaction, there is a link at the bottom that directs you to a fake website to input login credentials and personal information. The fraudsters take this information and immediately use it to take over your account and change the information so it’s not accessible.
Pictured is a sample of the fraudulent email. Please be advised that even if body of the email is different or appears to be coming from a different sender, any similar emails could be a phishing attempt.
If you believe you have received a phishing email and shared your personal information, please call NBT Bank immediately at 1-800-NBT-BANK.
Sample of fraudulent email
Recently a new customer service feature was launched to assist in our debit card fraud monitoring program by utilizing SMS and email notification for fraud alerts. If a transaction needs to be verified by our customer it can now be completed through a two-way SMS message or brought to the customer’s attention via email.
When unusual activity on the account attached to your debit card is detected, the SMS Fraud Alert feature will initiate a Text Alert to the mobile phone on record for the account. Respond by text to either approve the transaction, or to indicate that the transaction is fraudulent. You can opt-out of this service by replying STOP to an alert that you received.
Emails notifying customers of potentially fraudulent card transactions will be sent out to customers with an email address on file. Emails are solely to notify customers and cannot be responded to. Please contact customer service at 1-800-NBT-BANK to confirm transactions.
See sample email below:
NBT Bank is committed to providing you with the most advanced fraud protection solutions available in the marketplace. Although preventive measures have been taken to secure your Debit card account, please call us immediately, toll-free at:
You will be prompted to enter your Case ID:
For your protection, we want to verify that the recent transactions on your Debit card account were made with your authorization.
You can reach us 24 hours per day, 7 days per week.
Merchant Name: ABC MERCHANT
Merchant Location: ANY TOWN, ANY STATE
Your Financial Institution Fraud Prevention Center
Cardholder Name: JOHN DOE
Debit Card Ending in XXXX
**** THIS IS AN AUTOMATED EMAIL. DO NOT REPLY TO THIS EMAIL. ****
A massive data breach at one of the largest credit reporting agencies in the country could affect the personal information of up to 143 million consumers, almost half of the US population.
The breach exposes information including social security numbers, birthdays, addresses, and in some cases, driver’s license numbers. In addition, approximately 209,000 credit card numbers were exposed. Currently, it is believed the compromise lasted from mid-May through the end of July.
To Protect Yourself from Potential Fraud:
It is important to remember NBT Bank has fraud monitoring in place that watches customer accounts for unusual activity. NBT will contact you in the event that we see any suspicious activity.
NBT Bank will continue to monitor the situation and provide further information as needed. For more information on the breach or to see if your information was affected, follow the link below:
Please contact our Call Center at 1-800-NBT-BANK (1-800-628-2265) if you see any unusual activity on your account.
Online loan fraud is a common method that scammers use to manipulate customers into giving out personal information and asking them to send funds through multiple different channels. Customers submit a loan application online that they found through an ad or website. They typically guarantee the loan will be approved regardless of credit history. The scammer asks for online banking credentials to make a direct deposit into the customer's account. The scammer deposits a fraudulent check and asks the applicant to purchase gift cards, wire the funds, or purchase a Western Union before they can receive the proceeds of the loan.
For more information on how to keep your online banking account safe, refer to the Online & Mobile Security section of the Fraud Information Center.
Personal Fraud Awareness, Prevention and Reporting Resources.
Find out about agencies that provide fraud awareness, prevention tips and resources as well as fraud and identity theft reporting tools.