Report Fraud - Business Banking

• Immediately cease all activity from computer systems that may be compromised.
• Immediately contact 's Call Center at 800.628.2265 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 financial transactions and electronic authorizations on your account and ensure that no unauthorized requests have been made regarding your account (such as an address change).
• Maintain a written record of events: what happened, what was lost and what steps you took to report the incident to banks, authorities and others (such as affected customers). Be sure to record the date, time, telephone number, person spoken with, details discussed and any applicable reference numbers (such as 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. Having a police report will often facilitate dealing with insurance companies, banks and other organizations that may be affected by the fraudulent activity against you.
• Report the attempt through the Internet Crime Complaint Center (IC3).

Cards

• Debit Card or ATM Card contact 1-800-NBT-BANK
• Credit Card issued by ELAN Financial Services contact 800.558.3424

Checks

• Please contact

will never ask for personal information through emails. Personal information includes Social Security number, account numbers, user IDs or passwords) If you receive an email requesting this type of information please follow the steps below:

1. Do not click on any links or respond to the messages.
2. Contact or [email protected]
3. Delete the email and check your computer for spyware or viruses.

Please contact immediately upon receiving any information of or any attempts of identity theft against you or your business. It is important that we help to protect your accounts and information when personal and financial information is compromised even when an attempt is made that is not related to .

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 immediately , by email at [email protected] or written request by mail:
   

   
   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.

• Equifax: 800-525-6285, equifax.com
• Experian: 888-397-3742, experian.com
• Transunion: 800-680-7289, transunion.com

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