Security Center

At NBT, we want to protect your identity and most importantly, your bank account.

We also want to help educate you regarding the dangers of scams and fraudsters that are happening both in the United States and abroad. To do this, this section of our website is dedicated to arming you with information which can help prevent your money, personal information or even your identity from being stolen. Whether it is through email, telephone, or even your local ATM, the risk is everywhere. Below are different examples of common scams along with helpful tips to prevent you from becoming a victim.

Scam Alerts
Charity Scam
Phone Fraud
Scam Emails

Ways scammers and fraudsters obtain personal information

Identity thieves use a variety of both low-tech and high-tech methods to gain access to personal data including:

• Steal wallets and purses containing personal identification and credit cards.

• Steal the mail, including bank and credit card statements, pre-approved credit offers, telephone calling cards, and tax information.

• "Dumpster-Drive,” or rummage through the trash to obtain personal information.

• Change the address on credit card accounts, diverting the monthly statement to a fraudulent address. This allows the identity thief to run up large bills before the consumer is aware of the theft.

• "Skimming",or using a computer to read and store the information encoded on the magnetic strip of an ATM or credit card. Once stored, this information is re-encoded on the back of any other card with a magnetic strip, creating an identical, machine readable duplicate of the original card.

• Purchase personal information from "inside sources", e.g. pay an employee of a company to supply personal information gleaned from credit or other service application taken by the company.

• Open a credit card account in consumer's name. With name, date of birth and Social Security Number, they establish credit in the name of the consumer, "run up" the account, don't pay the bills, and the unwitting customer is reported as delinquent on their personal information.

Security Tips

• If you feel you have been a victim to fraud, please call us to review your account

• Make sure you monitor your accounts regularly for any suspicious activity

• Monitor your credit report and keep an eye on your score

• Set strong, unique pass phrases for your passwords