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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.


Compromised Device 

Have you experienced fraud on a device recently? See our Device Compromise handout for guidance on the next steps to take. 

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. 

The customer is responsible for the funds deposited prior to any withdrawal transaction. This is true even if the item is returned as a counterfeit item, for fraud of any kind, or for any reason. These types of items can be returned even after the funds are available based on the bank’s Funds Availability Schedule. The bank cannot place stop payments on monetary instruments.

Transact only with people you have personally met and trust.

Remember, ultimately, the customer depositing an item is responsible for the “goodness” of the item, and once a wire is sent, it is often not retrievable.

Mortgage Wire Transfer Fraud

Mortgage wire transfer fraud can occur during the closing process when a fraudster poses as a party in the process, such as your real estate agent, and has you change where you send your closing costs so that the money goes to the scammer.

Fraudsters are sitting on email servers, watching traffic and patiently waiting for the right opportunity to intercept and redirect wire information from and to unsuspecting home buyers and title companies wiring money as it relates to home purchases. All wire destination information received via email should be verbally confirmed with a known number to an individual home sellers and buyers have personally met.

During the closing process, you can protect yourself from scams by recording names and numbers of two trusted individuals who can securely confirm payment instructions. Always beware of last-minute changes to your payment instructions.

Suspected fraud or identify theft on your accounts

Notify the Bank Immediately

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.

Report Scams to the FTC allows consumers to receive advice based on the type of fraud reported in addition to reporting scams to the FTC in order to help protect our communities.

Credit reports / bureaus

Request your free annual credit report.



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 & Trust services that provide timely transactional information.

  • Card Controls - turn your card on and off, or control by location, transaction type, merchant type and transaction type all in the mobile app.

  • SecurLOCK Equip - card controls for consumer debit cards and credit 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 electronic devices and browsing the web. See Good Security Habits and Safeguarding Your Data from US-CERT for additional details.

  • Keep your operating system, software and apps 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

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


Do not change ACH information for payees based on an email request!  ALWAYS call a number you have used previously to connect with a company and validate any changes to payment information. Fraudsters are impersonating business emails and requesting payment changes!


Business Email Compromise (BEC) information:

Beneficial Ownership Information (BOI):

  • Businesses that are subject to reporting beneficial ownership information, be on high alert! Fraudulent attempts are being made to solicit information by exploiting the beneficial ownership requirements. Be suspicious of e-mail or letter correspondence that may be fraudulent. Do not click on unfamiliar URLs or scan QR codes within them. 
  • Prepare & File a Report 

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).


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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