Report Fraud

Report Fraud - Business Banking

If you suspect that your business may be the victim of fraud or cybercrime, take action immediately. Fast action may help limit the extent of any damage or loss. Click on the headings below for actions you can take in various potential fraud situations.

  • Immediately cease all activity from computer systems that may be compromised.
  • Immediately contact NBT Bank's Call Center at 833.628.4249 and your relationship manager so that your online access can be disabled.
  • Change your online banking passwords and open new accounts if necessary
  • Review all account transactions and electronic authorizations to ensure no unauthorized activity, such as a change of address, has occurred.
  • Document what happened, what was lost, and the steps taken to report the incident to banks, authorities, and affected customers. Record the date, time, phone number, contact name, discussion details, and any report or case numbers.
  • File a police report and provide the facts and circumstances surrounding the loss. Obtain a police report with the date, time, department, location and name of the officer filing the report. A police report can help streamline communications with insurance companies, banks, and others affected by the fraud.
  • Report the attempt through the Internet Crime Complaint Center (IC3).

Cards

  • NBT Debit Card or ATM Card contact 1.833.NBT.4BIZ (628-4249)
  • NBT Credit Card issued by ELAN Financial Services contact 800.558.3424

Checks

NBT Bank will never ask for personal information through emails. Personal information includes Social Security numbers, account numbers, usernames, and passwords. If you receive an email requesting this information, follow the steps below:

  1. Do not click on any links or respond to the messages.
  2. Contact NBT Bank at 1.833.NBT.4BIZ (628-4249) or reportfraud@NBTbank.com
  3. Delete the email and check your computer for spyware or viruses.

Contact NBT Bank immediately if you suspect or become aware of identity theft affecting you or your business. We help protect your accounts and information when personal or financial data is compromised. This applies even if the incident does not involve NBT Bank.

Here are some signs that you or your business might be the victim of Identity Theft:

  • You get collection calls about accounts you never opened
  • Your credit report contains an account you didn't open
  • You are unexpectedly denied for a credit card, loan, or other service
  • Your credit report contains inquiries from businesses you don't recognize
  • Your credit card bills or other mail suddenly stops coming
  • Your credit card/ debit card is missing
  • You get bills for accounts you never opened
  • You receive a notice in the mail your information might have been compromised
  • You receive an email letting you know information has been updated that you didn’t update
  1. Contact NBT Bank immediately at 833.628.4249, by email at reportfraud@nbtbank.com or written request by mail:

    NBT Bank
    52 South Broad Street
    Norwich, NY 13815
    Attention: Information Security

  2. Put a fraud alert on your credit report by contacting one of the three credit bureaus.

Order a copy of your credit report and review all information. You can request a free copy once a year from annualcreditreport.com

Points of Protection

Learn about the nine points of protection for businesses.

Latest Cyber Threats

Learn about cyber threats that could impact your business.

Business Fraud Awareness, Prevention and Reporting Resources

Find out about resources available for businesses to prevent fraud, cybercrime and report incidents.