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Thieves May “Test” Your Account: How to Stay Safe
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As consumers, we’re constantly bombarded with advice on how to protect our personal and financial information. But what can you do to safeguard your accounts from scammers? According to experts, thieves may start by making small initial transactions to test the account before attempting larger frauds.
The Benefits of eStatements
One way to stay ahead of these criminals is to receive electronic statements (eStatements) instead of paper ones. Not only do eStatements arrive faster, but they’re also less likely to be stolen than their paper counterparts. Additionally, shredding old statements and bills before recycling or disposing of them can help prevent identity theft.
Secure Your Mail
Fraud often occurs when thieves are able to gather information from your mail. To avoid this, consider safeguarding your mail by receiving eStatements and eBills. If you must receive paper statements, make sure to shred any unnecessary documents before disposing of them.
Protect Your Cheque Books
When it comes to cheque books, store new and cancelled checks in a safe and secure location, and only carry the book when necessary. Report any lost or stolen cheques immediately to prevent fraud.
Be Cautious with Credit Cards
To stay safe when using credit cards, consider the following tips:
- Carry only necessary information with you.
- Leave unused credit cards at home in a safe and secure location.
- Keep copies of important information you carry regularly and store them in a safe place.
- Report any lost or stolen credit cards immediately.
Report Lost or Stolen Cards
If your card is lost, stolen, or has unauthorized transactions, contact the Customer Support Department at (767) 255-2300. You can also send a secure message on MoBanking using the Report/Stolen Lost Card feature.
Credit and Debit Card Security
At NBD, we use various monitoring solutions and security procedures to safeguard your accounts, detect, and prevent fraud. We may suspend use of your card at certain locations if we believe they pose a security risk to you. You will not be liable for any unauthorized use of your account.
Monitor Your Account Information
The best protection against fraud is to monitor your account on a regular basis and watch for suspicious activity. If you notice any unusual transactions, please call us as soon as possible at 1-767-255-2300 or send a secure message via MoBanking.
Staying Safe Online
When using online banking, make sure to:
- Sign your cards as soon as they arrive.
- Contact us before traveling to avoid unnecessary security calls or denied transactions.
- Use NBD’s online and mobile banking services to keep track of your account.
- Save receipts to compare with your billing statements, reconcile accounts monthly, and report any questionable charges.
By following these simple tips, you can significantly reduce the risk of fraud and identity theft. Remember, staying safe online is a shared responsibility between individuals and financial institutions like NBD.
Have Questions?
If you have questions or concerns about account security, feel free to visit us, call 1-767-255-2300, or ask NBD via our website form.