Report Fraud

How can we help?

Scammers use text messages, phone calls, emails, social media and other tactics to impersonate trusted organizations and gain access to personal information.

Learn how to identify common scams, recognize warning signs and stay informed about the latest fraud trends.

Our tips:

• Be cautious of urgent requests for money or personal information
• Verify unexpected communications by contacting the organization directly
• Watch for spelling errors, unusual links, or suspicious sender addresses
• Never share passwords, security codes, or account information with someone who contacts you unexpectedly

What should I do now?

If you think you’ve been the victim of a scam or fraud attempt, taking action quickly can help protect your accounts and personal information.

Explore guidance on reporting fraud, responding to suspicious activity and securing your accounts after a potential compromise,

Our tips:

• Change passwords immediately if you believe your accounts have been compromised
• Contact your financial institution as soon as possible if you notice suspicious activity
• Monitor account statements and credit reports for unauthorized transactions
• Keep records of fraudulent communications and reports you submit

How can I protect myself?

The best defense against fraud is awareness. Learn practical steps you can take to help reduce your risk of identity theft, account takeover, phishing scams and other forms of financial fraud.

Our tips:

• Use strong, unique passwords for each account
• Enable multi-factor authentication whenever available
• Avoid clicking links or opening attachments from unknown senders
• Keep your contact information updated so you can receive important security alerts
• Regularly review your accounts for unusual activity

How does NBT Bank help protect me?

Keeping your information safe is one of our top priorities. Learn about the tools, technology and monitoring systems we use to help safeguard customer accounts and detect suspicious activity.

Our tips:

• Set up account alerts to stay informed about transactions and account activity.
• Review security notifications promptly and report anything unexpected
• Remember that legitimate organizations will never ask for passwords, PINs, or security codes by phone, text, or email
• Contact the bank directly if you ever have concerns about a communication claiming to be from NBT Bank

What can I do if I experience fraud?

Fraudsters are constantly changing their tactics. However, understanding common scams and knowing how to respond can help protect your finances and personal information

Visit our Fraud Alert Center regularly for the latest information about fraud trends, scam warnings and security updates.

If you think you've been targeted by a scam or identity theft attempt, acting quickly can help reduce potential damage.

Our tips:

• Change compromised passwords immediately
• Contact your financial institution if you notice suspicious activity
• Report lost or stolen cards as soon as possible
• Monitor your accounts and credit reports for unauthorized activity
• If you suspect identity theft, place a fraud alert with Equifax®, Experian®, or TransUnion® and review your credit report for unfamiliar accounts, inquiries, or activity
• Keep records of suspicious communications and any reports you submit

Be on the lookout—view current fraud alerts.