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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.
Here at NBT Bank, we prioritize the safety of our customers by constantly enhancing our security measures and educating customers on how to #BeCyberSmart and remain #CyberAware. There are several steps you can take to make sure your information and your devices are always protected against cybercrime. We’re sharing three simple steps to help you Own IT. Secure IT. Protect IT. These tips encompass all necessary actions to protect your most valuable information. The focus to #BeCyberSmart is to be intentional with your online activity.
Own IT: Keep track of the information you’re sharing online and what rights those platforms have to it. Regularly maintain privacy settings and manage your information.
Secure IT: Establish unique passwords and keep them private. Set up multi-factor authentication when available and never write down your login credentials. Ensure that you’re the sole person that can login to your accounts.
Protect IT: Be cautious when you see an email that looks suspicious. Never click on links or attachments if an email seems unusual or you don’t know who it’s from. If you receive a suspicious email that claims to be from NBT Bank, notify us by emailing ReportFraud@nbtbank.com.
The effort to raise cybersecurity awareness doesn’t stop. We encourage you to explore the Fraud Information Center to learn more about how to prevent, protect, and report all suspicious banking activity. This information is updated on a regular basis.
If you think you might have been the victim of a scam or other form of cybercrime, contact our team right away by calling 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.
With increased uses of social media platforms and dating apps, consumers are more susceptible to fraudsters posing as someone they aren’t. What may appear to be your soulmate, could very well be a scammer. Fraudsters will often lure people in by posing as a trustworthy individual. Once they’ve done so, the conversation will often turn to money and how they can help you financially. In order to set up transfers, they will often ask for personal or financial information including login credentials, account numbers or debit card numbers.
Follow these simple tips to ensure that you don’t fall for a Lonely Heart Scam.
After you help fraudsters once, they’ll continue to find reasons for you to send them money. They might even go as far as creating a new profile under a different name after you’ve stopped communicating with them. Be mindful of how you’re spending your money and who you’re having financial conversations with.
If you believe you’ve been the victim of this scam, contact your local branch or call 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.
NBT Bank continues to receive reports of phishing emails targeting customers and non-customers containing suspicious links. Phishing is a fraud attempt where an individual is asked to click on links or attachments in an email or other type of message to gather personal information or cause damage to a computer or network.
In the latest phishing attempt, fraudsters are sending emails impersonating NBT Bank to advise you about a low balance on your account, updating your account information or there is unusual activity on the account. 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 username and password so it’s not accessible.
Pictured is a sample of the fraudulent emails. 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.
Capital One recently experienced a large data breach that occurred back in March 2019 and exposed personal information of nearly 106 million Capital One customers and credit card applicants. The compromised credit cards were applied for from 2005 to early 2019 and affected business customers and consumers. Names, addresses, dates of birth, credit scores, transaction data, social security numbers and linked bank account numbers were all potentially affected.
Capital One has stated that no credit card numbers or login credentials were revealed in the hack.
Capital One will be reaching out directly to customers and credit card applicants whose data was exposed in the breach via mailed letters. There is not a website currently that can be used to check for yourself.
Be on guard for emails and phone calls from scammers posing as Capital One or government officials asking for personal confidential information such as account numbers and social security numbers.
Make sure to check your credit report at least once a year. This can be done for free at annualcreditreport.com.
Due to the large data breach experienced in 2017 Equifax is now offering to compensate victims for a cash settlement or free credit reporting. In order to submit a claim, you must first check that your information was exposed and then choose credit monitoring or a cash settlement. If you choose the cash settlement you must be able to prove that you already have credit monitoring.
To apply for the settlement and/or check if your information was exposed in the breach please make sure to visit the legitimate Federal Trade Commission (FTC) site at: https://www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement and https://eligibility.equifaxbreachsettlement.com/en/eligibility. Fake sites have been popping up that could further compromise your confidential information. You will need to provide your last name and last 6 digits of your social security number to check eligibility.
For any additional questions please reach out to the FTC directly at 833-759-2982.
A remote access scam typically begins with a phone call from someone who claims to have detected an issue or virus on your computer. They supposedly work for a large technology or computer software company that can fix the problem. To do so, they need access to the device and payment via gift cards, money transfer apps, or wire transfers. Here’s the problem: there are no issues with your computer and they don’t need remote access. Read the red flags below to help spot this kind of scam.
Tech support companies will never reach out to individuals via phone, text, or email claiming they have identified a problem. They rely on incoming calls to help their customers. If you are having an issue, call a number that you know and trust.
Once fraudsters have access to your device, they might also try and login to your online banking account. While they’re logged in, they transfer your own money between accounts and claim to have provided a refund in error. They ask you to send this money on to remedy the situation in the form of gift cards or money transfers. Remember to never give someone access to your online banking account by giving out your credentials or access to your device.
If you believe you have been a victim of a remote access scam, contact NBT Bank immediately 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.
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.