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Fraud Information

Compromised, Lost or Stolen Cards

To report a compromised, lost or stolen card during normal business hours, please call the bank at 877-921-7700.

To report a compromised, lost or stolen card after normal business hours:

(These numbers are also located on the back of your card.)

Please note that National Exchange Bank & Trust does not offer special promotions via our credit card toll-free number. If you are presented an offer upon dialing the number above, please hang up and call again. You may have misdialed. If you gave out any information to take advantage of a promotion when dialing a number above, please contact us immediately.

Wire and large cash transaction fraud

Due to the proliferation of scams perpetrated through unknowing bank customers, National Exchange Bank & Trust takes great care in trying to identify potential scams. This means we may ask additional questions when you want to do a large cash transaction or wire transfer that is not common for you. Transactions that are frequently used to commit fraud receive an even greater scrutiny to protect you. Remember, ultimately, the customer depositing an item is responsible for the “goodness” of the item.

Suspected fraud or identify theft on your accounts

Contact National Exchange Bank & Trust Customer Service immediately at your local office or at 920-921-7700 if you suspect identity theft or fraud involving any of your National Exchange Bank & Trust accounts, including if you believe you may have given out any confidential information.

For existing active fraud cases, please call toll free 855-829-6770.

Credit reports / bureaus

Request your free annual credit report.

Equifax

Experian

Trans Union

Prevention Tools

While National Exchange Bank & Trust uses a variety of software and industry-related tools to combat fraud, the most important prevention tool is customer vigilance. Please consider the following suggestions for online safety and being diligent in identifying Spam and Phishing.

Do Not Disclose Your Personal Information.

  • National Exchange Bank & Trust staff members will not ask you for your account number, online banking User ID, password, PIN or text code received for authentication.

  • If someone is asking you for this information, it should be red flag that you most likely are talking to a fraudster.

Use National Exchange Bank services that provide timely transactional information.

  • SecurLOCK Equip - card controls for consumer debit cards with real-time activity notifications

  • Exchange OnLine - digital banking including text and email alerts that alert you as potentially unauthorized transactions occur.

  • eZCard - robust credit card website

  • eStatements - electronic statements eliminate the opportunity for statements to be stolen out of your mail box

Practice Digital Safety.

  • Do not follow unsolicited web links in email.

  • Use caution when opening email attachments.

  • Follow safe practices when using your PC and browsing the web. See Good Security Habits and Safeguarding Your Data from US-CERT for additional details.

  • Keep your operating system and software up-to-date with the latest patches.

  • Current anti-virus software with the most updated definitions and frequent system scans
    is required.

  • Updated anti-spyware is necessary.

  • Strong passwords, that are not shared, are a vital component to protecting your information.

  • Report phishing by sending an email to phishing-report@us-cert.gov.

Business Fraud Mitigation and Resources

Security Check: Business electronic Banking best practices.

Scams and Your Small Business: Federal Trade Commission resources for protecting your business

Email Security Red Flags: Watch for these seven red flags

NACHA

Business Email Compromise (BEC) information:

Corporate Account Takeover

  • Corporate Account Takeover Overview: the United States Secret Service, the Federal Bureau of Investigation, the Internet Crime Complaint Center (IC3), and the Financial Services Information Sharing and Analysis Center (FS-ISAC) advisory related to Corporate Account Takeover.

  • Warning Signs of Corporate Account Takeover: a summary document with information provided PAR (Payment Advisory Resource).

Cybersecurity

 

Please visit our Fraud Mitigation page for more information on tools for businesses.

Report employee suspicious activity

The successful business operation and reputation of National Exchange Bank & Trust is built upon the principles of fair dealing and ethical conduct of our employees. Our reputation for integrity and trust requires careful observation of the spirit and letter of all applicable laws and regulations as well as scrupulous regard for the highest standards of conduct and personal integrity.

If you have concerns about potential misconduct by an employee, you may confidentially report it by calling (920) 906-6944.

Examples include: giving or receiving of bribes or unlawful gifts, theft or misuse of funds, confidentiality breaches, conflicts of interest or discrimination. Calls to this number go directly to a voicemail. If the caller desires, anonymity will be maintained to the extent possible. In the event of an anonymous complaint, a certain level of specificity will be required to enable an investigation. Providing your name may significantly improve the identification and investigation.

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