Security

Keeping your banking and financial information safe and secure is always a priority at BNC National Bank. We are constantly monitoring existing and possible threats and have procedures in place to respond with preventive measures as needed. This security section outlines a few of the ways BNC is protecting your information and has resources you can review to increase your awareness of how to ensure your account information stays secure.

Equifax Breach Frequently Asked Questions (FAQs)

I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?
If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: https://www.equifaxsecurity2017.com/. Scroll to the bottom of the page and click on "Potential Impact," enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

How can I protect myself?
? Enroll in Equifax’s services.
Equifax is offering one year of free credit monitoring and other services, whether or not your information was exposed. You can sign up at https://www.equifaxsecurity2017.com/.

? Monitor your credit reports.
 In addition, you can order a free copy of your credit report from all three of the credit reporting agencies at annualcreditreport.com. You are entitled to one free report from each of the credit bureaus once per year.

? Monitor your bank accounts.
We also encourage you to monitor your financial accounts regularly for fraudulent transactions. Use online and mobile banking to keep a close eye on your accounts.

? Watch out for scams related to the breach.
Do not trust e-mails that appear to come from Equifax regarding the breach. Attackers are likely to take advantage of the situation and craft sophisticated phishing e-mails.

Should I place a credit freeze on my files?
Before deciding to place a credit freeze on your accounts, consider your personal situation. If you might be applying for credit soon or think you might need quick credit in an emergency, it might be better to simply place a fraud alert on your files with the three major credit bureaus. A fraud alert puts a red flag on your credit report which requires businesses to take additional steps, such as contacting you by phone before opening a new account.

How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit its website.

Experian: Call 888-397-3742 or visit its website.

TransUnion: Call 888-909-8872 or visit its website.

Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at https://www.equifaxsecurity2017.com/. You can also learn more by visiting the Federal Trade Commission’s web page on the breach at https://www.consumer.ftc.gov/blog/2017/09/equifax-data-breach-what-do. To learn more about how to protect yourself after a breach, visit https://www.identitytheft.gov/Info-Lost-or-Stolen.

New Fraud Prevention Service

These brochures provide information on how the Federal Financial Institutions Examination Council (FFIEC) are helping banks strengthen their vigilance on making your accounts more secure.

FFIEC Consumer Guidance, Important Facts about your Account Authentication and Online Banking

FFIEC Business Account Guidance, Risk Assessment and layered Security for online Business Transactions


These documents and links outline the steps BNC has taken to protect our customers and a fraud advisory for businesses assembled by government agencies.

Financial Fraud UPDATE - 2017

Online Banking & The Internet of Things

Don't Get Phished

Account Hijacking and Identity Theft

Avoiding Social Engineering Attacks

Cyber-Attacks

Fraud Advisory for Businesses - Corporate Account Take Over

Guardian (Debit Card Fraud Alert Service)

Identity Theft Today

Online Banking Fraud

Online Banking, Data Security and You

Online Banking Security Tips

Texts, Pop-ups & Downloads

Tools to Prevent Identity Theft

The following links will give you tips on creating a strong PIN and enable you to check your PIN strength.

Creating Strong PINS:   http://www.microsoft.com/security/online-privacy/passwords-create.aspx

Secure PIN Checker:       https://www.bncbank.com/notice.htm?https://www.microsoft.com/security/pc-security/password-checker.aspx

Government Resources

Because identity theft is becoming more of a threat in our country, agencies of the federal government have created websites with resources you may use to learn how to protect yourself, and what measures you should take if you become a victim.

http://www.idtheft.gov/

http://www.ftc.gov/bcp/edu/microsites/idtheft/

http://www.fdic.gov/consumers/theft/index.html

 

How to Report Fraud

If you suspect fraud on your account contact a personal banker immediately (call 1-800-BNCBANK, or the nearest location) and they will guide you to the person responsible for these issues.

For more information on this or other products and services Contact Us.

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