Account & Card Security for Your Business
Accounts and cards are vital to your business. If they are not properly secured, they can give cyber criminals access to your finances. Fortunately, there are some simple steps you can take to enhance security. Click the headings below for more ways to keep your NBT Bank accounts and cards safe.
Never share full account numbers over the phone unless you initiated the call and trust the person or company. Never give this information out to a stranger or anyone claiming to be from the bank.
Never write your driver's license, phone number or Social Security number on any checks.
Be suspicious of any incoming phone calls that are asking for account information or wanting to verify account information. Never give out full account information over the phone.
Be careful to create and use secure PINs and passwords. Avoid easy-to-guess passwords. Do not use birth dates, Social Security numbers, or family members' names.
Never put outgoing mail or checks in your mailbox. Always drop outgoing mail that could contain checks in a U.S. Postal Service collection box. Identity thieves may steal financial information from business park mailboxes to create counterfeit checks.
Always review your account for unusual or unauthorized activity. If you see something on your statement that doesn't look legitimate, contact our Call Center at 1.833.NBT.4BIZ (628-4249) or your local NBT Bank office immediately.
Try to incorporate segregation of duties and appropriate internal controls to help protect your business accounts. Try to avoid having the same person who writes the accounts payable checks review and reconciles the statements. This will help ensure a healthy control environment. Take advantage of Treasury Management Services, including Positive Pay and ACH debit and credit blocks, to help protect your business.
SMS Fraud Alerts send a text message when unusual debit card activity is detected on your account. Respond by text to either approve the transaction, or to indicate that the transaction is fraudulent.
