Fraud is constantly evolving, so be on guard for anything that appears to be
suspicious. Be cautious when making decisions or sharing personal information
regarding your finances.
Protect your accounts and yourself from fraud and identity theft with these
Debit Card and Using the ATM
Online / Mobile
Writing and U.S. Mail
ATM/VISA® Debit Card
- Keep receipts and note debits in your checking register.
- Sign your ATM/Debit Card.
- Keep ATM/Debit Card secure at all times.
- If documents/receipts contain personal information and/or ATM/Debit Card
numbers, use a cross-cut shredder before disposal.
- Get extra online protection by signing up for Verified by Visa® or
- Never write your Personal Identification Number (PIN) or code on your
card, or share with anyone.
- Create a Personal Identification Number (PIN) that is not easily
USING THE ATM
- Stay alert and only use ATM facilities with adequate
lighting and that do not look altered in any way.
- Do not permit unauthorized
access to anyone attempting to enter a facility with you (i.e. ATMs located
inside of the facility). Only those individuals with access should enter.
- When using a drive-up ATM, make sure all of your car doors are locked and that
only the driver-side window is open. Be alert to anyone approaching your car.
- Don't let others see the ATM screen or keypad as you enter information.
sure you have completed your transaction and properly exit from the ATM terminal
before allowing the next person to use the ATM.
- Place all cash securely in
your wallet before exiting the ATM facility.
- Always take the ATM receipt with
you and don't leave personal notes or papers in the ATM area.
- Don't help
someone learn how to use the ATM using your card.
- Never use an ATM machine
that is damaged or appears to be tampered with.
Contact us at (800) 535-2269 if you have a lost or stolen card, or to report
unusual or unrecognized activity on your account.
INTERNET / ONLINE
- Establish "strong" passwords that contain a combination of letters,
capital letters, numbers and special characters.
- Never use your social
security number as a user ID for online accounts.
- Keep your personal
information in a secure place.
- Be aware and cautious when opening an
attachment, responding to an email, clicking on a link or pop-up message or
replying to a text message from known or unknown senders that ask you to verify
personal or account information such as: passwords, Social Security numbers,
personal identification numbers (PINs), credit or debit card numbers, or other
confidential information. If you are concerned about the authenticity of an
email or text message that appears to be from a financial institution, call the
number on the back of your ATM/Debit Card or account statement.
- Don't respond
if you get a message - by email, text, pop-up message or phone - that asks you
to call a phone number asking you to verify personal or account information in
order to access a refund. Any request should be made in writing.
- Be aware
when making purchases online, especially with subscriptions for you may be
agreeing to ongoing payments. If you are shopping online, don't provide your
personal or financial information through a company's website until you have
checked for indicators that the site is secure, like a lock icon on the
browser's status bar or a website URL that begins "https:" (the "s" stands for
- Always logout of secure sites. Don't simply close the window.
- Set up email notifications or text alerts when your account reaches a certain
balance or exceeds transactions of a certain amount.
- If you are on an
unfamiliar site that you want to do business with, call the seller’s phone
number so you know you can reach them if you need to.
- Type the site's name
into a search engine: If you find unfavorable reviews posted, you may be better
off doing business with a different company.
- If you access online banking via
your mobile device we suggest you add a passcode to access the device for
- Secure your internet connection. Always protect your
home wireless network with a password. When connecting to public Wi-Fi networks,
be cautious about what information you send.
Contact us at (800) 535-2269
if your mobile device has been lost or stolen and the Bank can deactivate NYCB
Mobile access from that device.
Informed. Be Aware. Protect Yourself.
- Protecting the integrity of your
information from identity theft and internet fraud is a priority at the NYCB
Family of Banks. Email fraud, commonly referred to as phishing are phony email
messages sent to you from hackers and cyber criminals with the intent of
stealing personal and financial information.
NYCB may send periodic emails
that contain links to NYCB webpages and/or to download the NYCB Mobile App. If
you are concerned about the authenticity of an email or about clicking on links
in an email message from NYCB, you may also type the link directly into the
address bar of your web browser. If you receive what appears to be a suspicious
email claiming to be from the NYCB Family of Banks, please forward it to
Use Security Software That Updates Automatically
- Keep your operating system
and web browser up-to-date, and learn about their security features. Having the
latest security/virus software, web browser, and operating systems are the best
defenses against viruses, malware, and other online threats. Turn on automatic
updates so you receive the newest fixes as they become available.
firewalls, anti-spyware, and anti-virus software to protect your home computer.
- Report any suspicious email, text message or phone call to the Federal Trade
Commission by calling 1-877-IDTHEFT (438-4338).
Protect Your Passwords
- Avoid passwords like your birth date, the last four
digits of your Social Security Number, your phone number, number ranges (such as
1111 or 1234) or a common word.
- Keep your passwords in a secure place, and
out of plain sight.
- Change your passwords regularly (at a minimum, every 90
- Assign different passwords for each online account you access.
- Avoid auto-memory features in your browser to remember User ID and passwords.
- Keep personal information personal. Hackers can use social media profiles to
figure out your passwords and answer those security questions in the password
reset tools. Lock down your privacy settings and avoid posting things like
birthdays, addresses, mother's maiden name, etc.
your checks in a safe, secure location.
- Review your statements, account
activity and check images at least once a month.
Contact us at (800) 535-2269
if you wish to stop any check or ACH activity, or if you would like to stop one
of the following services: NYCB Online, NYCB Mobile, Bank by Phone or ATM Debit
- Be aware of when statements should arrive and immediately
review your banking statement for unauthorized transactions.
- Use a cross-cut
shredder to destroy documents containing personal information before disposal.
- Notify the Post Office of any change of address or delivery instructions for
Contact us at (800) 535-2269 if you have a change to your address,
email address or phone number.
IF IT LOOKS TOO GOOD TO BE TRUE, IT
Ten common schemes in use today by hackers and cyber criminals to
separate you from your money.
- You receive a letter informing you that you
have won a lottery. Enclosed with the letter is a cashier's check for the taxes
and other fees. The letter states that you must wire this amount to a 3rd party
to claim your winnings. The check is found to be counterfeit after you wire out
- You receive a letter with a cashier's check enclosed. The letter
indicates that you have been chosen to be a secret shopper for a few companies,
including a money transfer office. You must use the cashier's check enclosed to
pay for items and services and fill out a survey. After you've spent the
proceeds and wired money against the cashier's check deposit, the check is found
to be counterfeit.
- There are a variety of emails that state that the sender
is on vacation and needs funds to be wired to them, as they can't get home for
one reason or another (e.g. they were mugged, need medical care, or lost their
passport.) These emails are typically from computers infected with a virus that
sends mass solicitations to everyone on the sender's contact list.
- An email
stating that a person in a foreign country has inherited a large sum of money
but can't claim it. They offer to give you a percentage of the inheritance to
receive it into your account and then wire them their share. The check sent to
you is found to be counterfeit after you wire out the funds.
- You sell an
item online and the buyer sends you a bank check or money order that is greater
than the purchase price, and asks you to wire the balance back to them. The
check is then found to be counterfeit after you wire out the funds.
- A person
presents you with a lottery ticket that is a supposed winner and states that
they can't claim it because they are in this country illegally. They ask you to
put up some of your money as a sign of good faith. They will take your money and
leave you with a worthless counterfeit lottery ticket.
- You answer an ad
online for a job advertised as "Payroll Processor": receiving checks from a
company to deposit into your personal account, and then wiring funds to
"employees" for a fee. The check is found to be counterfeit after you wire out
- An email from a government agency with an attachment to open to
help release funds. This may be a phishing virus that will record your passwords
as you enter them and transfer them to fraudsters.
- Letters with U.S.
Government Agency letterheads claim that the agency is holding payments from
foreign companies owed to you, but to release the payments, you need to pay a
large fee. The letterheads are forged, and no payments exist.
- You are
contacted via email or telephone in response to a resume you have posted online.
The person solicits you for a job as an international money transfer agent. They
will send you official bank checks and you will then be required to immediately
wire the proceeds out to a variety of locations, keeping an agreed-upon amount
for your services. The checks will be found to be counterfeit after you wire out