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If you need assistance, please contact Personal Client Services at 855-SNB-7500 (855-762-7500)
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If you need assistance, please contact Client Services at [email protected] or 855-274-2800.
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Safeguarding your online banking sessions is our top priority. For information about how you can help protect your online banking sessions, or if you need additional assistance with your e-Treasury log-in, please contact TM Service at [email protected] or 212-575-8020.


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Business Online Banking

Visit the Business Online Banking Education Center for information about logging in and using Business Online Banking.
If you need assistance, please contact Client Services at [email protected] or 855-274-2800

Security

Identity Theft Information Center

Don’t become a victim! Learn how to safeguard your personal identifiable information (PII) from internet thieves and various scams.

What Is Identity Theft?
Learn more about what Identity theft is, and the steps you can take to minimize your risk of becoming a victim.
How To Reduce The Risk
Keep these tips in mind to protect yourself from identity theft.
What to do in the Case of Fraud or Identity Theft
If you suspect that you have been the victim of Identity Theft, Sterling National Bank is here to help.
Warning Signs of Identity Theft
Identity thieves use a variety of methods to gain access to your personal information.
Protecting your “Digital Footprint”
Take proactive measures in safeguarding our personal information.
Various Fraud Scams
Learn more about the different types of scams, and how you can protect against them.

What Is Identity Theft?

Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes.

Identity theft can happen to anyone, but there are steps you can take to minimize your risk of becoming a victim.

How To Reduce The Risk

Keep these tips in mind to protect yourself from identity theft:

  • Secure your Social Security number (SSN). Don’t carry your Social Security card in your wallet. Only give out your SSN when necessary.
  • Don’t just share personal information (birthdate, Social Security number, or bank account number) because someone asks for it, especially in email. Fraudulent (“phishing”) emails may ask you to click a link to verify or change your account in some way. Avoid clicking on such links and sharing any of your information.
  • Collect mail every day. Place a hold on your mail when you are away from home for several days.
  • Pay attention to your billing cycles. If bills or financial statements are late, contact the sender.
  • Use the security features on your mobile phone.
  • Update sharing and firewall settings when you’re on a public wi-fi network. Use a virtual private network (VPN), if you use public wi-fi.
  • Review your credit card and bank account statements. Compare receipts with account statements. Watch for unauthorized transactions.
  • Shred receipts, credit offers, account statements, and expired credit cards. This can prevent “dumpster divers” from getting your personal information.
  • Store personal information in a safe place.
  • Install firewalls and virus-detection software on your home computer.
  • Create complex passwords that identity thieves cannot guess. Change your passwords if a company that you do business with has a breach of its databases
  • Review your credit reports once a year. Be certain that they don’t include accounts that you have not opened. You can order it for free from Annualcreditreport.com.
  • Freeze your credit files with Equifax, Experian, Innovis, TransUnion, and the National Consumer Telecommunications and Utilities Exchange for free. Credit freezes prevent someone from applying for and getting approval for a credit account or utility services in your name.

woman sitting at desk looking at laptop.

What to do in the Case of Fraud or Identity Theft

If you suspect that you have been the victim of Identity Theft, Sterling National Bank is here to help. Download this printable step-by-step instruction guide on what to do.

Download PDF

Warning Signs of Identity Theft

Identity thieves use a variety of methods to gain access to your personal information, including:

  • You see withdrawals from your bank account that you can’t explain
  • You don’t get your bills or other mail.
  • Merchants refuse your checks.
  • Debt collectors call you about debts that aren’t yours.
  • You find unfamiliar accounts or charges on your credit report.
  • Medical providers bill you for services you didn’t use.
  • Your health plan rejects your legitimate medical claim because the records show you’ve reached your benefits limit.
  • A health plan won’t cover you because your medical records show a condition you don’t have.
  • The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for.
  • You get notice that your information was compromised by a data breach at a company where you do business or have an account.

Protecting your “Digital Footprint”

With the increased dependency on and use of the internet, we are more susceptible to becoming a victim of fraud. Since occurrences of identity theft have been a growing trend, it is essential to take proactive measures in safeguarding our personal information.

Many people may not be aware how online activity builds a “digital footprint” that fraudsters can use to impersonate someone (usually for financial gain). If a fraudster is able to collect enough information about you from different sources, they may pose as you to deceptively acquire services in your name (such as bank loans or intercepting tax checks).

Personal information such as your bank account number, date of birth, social security number, address, mother’s maiden name, and email address are common banking security questions and can be acquired easily if used online. Once gathered, this information is known to be traded amongst criminals to perpetrate identity theft.

What You Can Do to Prevent This

When using social networking sites, be sure to enable the privacy settings and practice limiting the amount of personal information you disclose for public access. Be mindful about what you share, like, and comment on your social network page – your digital footprint is an extension of who you are.

How Can We Protect Ourselves From Identity Theft?

  1. Ensure the systems you use to safeguard your information online are secure
    • Your computer and personal devices should have up-to-date software and anti-virus services
  1. Be vigilant in protecting the personal information you share on the internet
    • Use secure networks and encrypted connections
    • Have strong and effective passwords that are changed regularly
    • Be cautious where you submit data online

woman using tablet in office

How to Protect Your Business from Costly Email Scams

Cyber criminals try to trick employees into revealing proprietary and confidential data or taking an action that will benefit the criminals—and harm your business. They often use a tactic called spoofing—impersonating a legitimate business or person—in an attempt to fool employees into clicking a link, opening an attachment, changing account information or conducting a financial transaction.

Exposure to financial loss can be easily avoided by recognizing red flags and verifying any payment instructions received via email or fax.

Learn More

Various Fraud Scams

Debit Card Fraud

Important tips to help prevent becoming a victim of debit card fraud.

Convenience can sometimes come at a cost. In today’s digital era, fraudulent activity on debit cards occurs far more often than it should. For this reason, it is important to understand how debit cards can become compromised and how to be proactive in protecting our ourselves.

Crimes from mail theft and obtaining unauthorized access to sensitive data (such as a debit card number or bank PIN) are enabling scammers to steal funds from client bank accounts or make expensive purchases using their debit cards. There have been instances where cards are duplicated, or counterfeit debit cards are created, leaving the client unaware they have been victimized.

What You Need to Know

Clients will receive a call from our card member services if we believe suspicious transactions are being conducted and your prompt response is necessary in order to prevent any unauthorized transactions from posting.

Below are several tips that will help clients to avoid becoming victims of debit card fraud.

1. Check bank activity regularly
Enroll in online banking or mobile banking in order to check account balances and recent transactions. Any unfamiliar charges to your bank account should be reported to the bank immediately.

2. Safeguard debit cards via mobile banking application

  • Establish transaction controls for dollar amount limits
  • Turn them “on” and “off” when not in use
  • Add merchant categories (and geographic locations)
  • Create alerts for when the debit card is used, approved, or exceeds the transactions controls that were set.

3. Cover your pin when making transactions
Whether using an ATM, paying at a register or using a handheld card machine, it’s a wise precaution to cover your pin.

4. Guarding and storing data
Secure your wallet or purse in a safe place. If stolen, immediately call the bank to cancel your debit card. Additionally, a debit card number or PIN should not be stored on any smartphone.

5. Keep debit cards safe when shopping online
Clients should ensure that the webpage has “https” in the address bar (the “s” means secure), be vigilant of phishing scams, and avoid responding with any personal information unless you initiated the contact.


Digital Banking: Preventing Unauthorized Transaction Activity

In proactively safeguarding our exposure to unauthorized Real-Time & Peer-to-Peer payments; such as, Zelle®, it’s important for us to understand how fraud and scams are defined since the consumer protections available by the bank may differ for each scenario. A simple way to distinguish between a fraud and a scam is to classify them as authorized transactions vs. unauthorized transactions. The descriptions of each transaction are outlined below.

FRAUD SCAMS
Someone who gains access to a client’s account and makes a payment via Zelle, Bill Pay, or External Transfers without their permission is considered to be digital banking fraud.

Since the client did not authorize the payment, they may be able to get their funds returned after a timely reporting of the incident to their financial institution.

A client is deceived or persuaded into authorizing a payment for a service they were promised but not fulfilled, this would be defined as a scam.

Due to the payment being authorized, the client may not be able to get their funds returned.

 

Take the precautions below to avoid being victimized while using the Zelle network to send or receive money.

1. Only send money to those you trust
Zelle is a great way to pay friends and family, but it shouldn’t be used to pay strangers. Since Zelle does not offer a protection program for authorized payments, you should only use Zelle to pay people you know and trust.

2. Treat Real-Time & Peer-to-Peer Payments like cash
Clients should always confirm they have the recipient’s correct U.S. mobile number or email address to ensure funds are sent to the correct individual.

3. Report all unauthorized transactions immediately
If you have fallen victim to a scam or had unauthorized transactions through your online banking platform, immediately call the Contact Center at 1-855-SNB-7500 (1-855-762-7500).

Protecting Yourself Against Synthetic Identity Theft

Fraudsters have become more sophisticated at obtaining personal information from unsuspecting victims, and their methods are becoming increasingly advanced. There is a growing trend in fraud stemming from identity theft and one type in particular is Synthetic identity theft.

Synthetic identity theft is a type of fraud in which a criminal combines real and fake information to create a new identity. The real information used is usually stolen.

How it Works

The fraudsters begin by stealing legitimate Social Security numbers from people who aren’t using their credit (typically children, the recently deceased, or the homeless), and then add fake addresses, phone numbers, and social media accounts. They then open new accounts, acquire credit cards, cell phones, and other goods and services.

Fraudsters create synthetic identities through the following three ways:

  1. They build a fraudulent credit profile over time through applications and inquiries.
  2. They gain access to legitimate accounts and then, add additional users to their profile.
  3. They create false credit reporting agency updates through organized and illegitimate data furnishing processes.

Synthetic identity theft creates a sub-file to the victim’s main credit file. Since synthetic identity theft does not have an effect on their main credit file, it typically does not hit their credit report so a fraud alert or credit freeze wouldn’t be effective. It usually takes longer for individuals to discover that they are a victim, making it more difficult for them to clear their name.

Ways to Protect Yourself

RED FLAGS OF IDENTITY THEFT ACTIONS YOU CAN TAKE
An address change made soon after opening an account Minimize your exposure and never give out your Social Security number if you don’t have to
Little or no credit use for years followed by frequent use or requests for large credit limit increases Conduct regular checks on your credit
A credit file with a rapidly increasing FICO score Protect your children’s personal information as children often get their identities stolen because they have a clean, blank slate
No other information or history for the client’s name Keep a close eye on your communications and follow up right away if you receive any mail or phone calls regarding you or your children that seem like a red flag

 

As a reminder, please Report all potential suspicious account activity your local SNB Financial Center or call the Contact Center at 1-855-SNB-7500 (1-855-762-7500).

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