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How to Protect Your Privacy

People steal others’ personal information and identification for the purpose of obtaining credit cards, loans, phone services, to rent apartments, as well as other acts of fraud or theft. You can protect your privacy and minimize your risk of becoming a victim of identity theft by taking the following precautions:

Personally Identifiable Information

  • Keep personally identifiable information (PII) and passwords in a secure place (e.g., date of birth, social security number, credit card numbers, bank account numbers, personal identification numbers (PINs)).
  • Shred statements, checks, credit card offers, charge and ATM receipts, and credit applications before discarding them.
  • Never provide PII over the phone or by mail or email unless you know the person or company you're dealing with.
  • Do not give any PII to anyone who is not permitted to have access to your accounts.

Credit, Debit and ATM Cards

  • Limit the number of credit, debit, and ATM cards that you carry.
  • Cancel cards you do not use.
  • Retain all receipts from card transactions.
  • Sign new cards as soon as you receive them.
  • Report lost or stolen cards immediately.

ATM and Merchant Terminal Skimmer Scams

Be wary of card “skimmers” that steal your data as you use the ATM or when you use your credit or debit card to buy gas or other items. A skimmer is a device placed over an ATM card reader or merchant credit card terminal that collects PII and security codes. Some devices are easy to spot, but others are indistinguishable from an actual ATM and some have pinhole-sized cameras mounted above the keypad to capture images of the person entering the PIN.

Safeguards you can take against skimmer scams

  • If something seems suspicious, it may indicate a problem. If you are prompted to enter your PIN twice for no apparent reason or see unusual messages on the screen, go to another ATM.
  • Look over the ATM for a skimming device; one sign may be traces of adhesive material attaching it to the ATM.
  • Wiggle the keypad; if it is loose or appears to be detaching from the ATM, find another ATM.
  • Make sure the bank’s ATM cameras are not positioned to capture your PIN as you enter it.
  • Pull on the card slot. This may jostle a skimming device on top of the card reader and cause it to come off. Do this at gas station pumps, too.

Check Your Statements

Regularly review checking, savings, debit, and credit card statements to ensure all activity is legitimate. If you see anything suspicious, contact National Bank of Commerce as soon as possible.


  • Deposit outgoing mail into an official U.S. Postal Service collection box. Promptly collect incoming mail from your mailbox.
  • Report suspected stolen mail to your post office and check for unauthorized change of address requests.

Credit Reports

  • Order your free credit report annually so you can review it for completeness and accuracy.
  • Check your credit report for unauthorized bank accounts, credit cards, and purchases.
  • Check to see if anyone suspicious has requested a copy of your credit history.

Request your free credit report


(877) 322-8228

Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Bank Account and Credit Card Statements

  • If you think an account or credit card has been compromised, close it and obtain new credit, debit, and ATM cards.
  • Contact your financial institution if a bank account or credit card statement does not arrive on time.
  • Review statements promptly and report any discrepancy or unauthorized transaction.

Telephone and Internet Solicitations

  • Be wary of offers made by telephone, website, or email that seem too good to be true.
  • Before responding to a telephone or Web offer, confirm that the person or business making the offer is legitimate.
  • Do not respond to an unsolicited email that promises some benefit but requests personally identifiable information.
  • Please be advised that National Bank of Commerce will never ask for personal information by email (e.g., account, bank card, or social security number, password, PIN). If you receive an email requesting such information that appears to be from National Bank of Commerce, do not respond and contact us immediately at 877-733-6862.

Wire Transfers

  • Be suspicious of a transaction that requires you to send an advance payment or a deposit by wire transfer.

Home Security

  • Keep bank and other financial statements, blank and canceled checks, and debit and credit cards in a secure place.
  • Shred statements, checks, credit card offers, ATM and charge receipts, and credit applications before discarding them.

PINs and Passwords

  • Memorize PINs and passwords and keep them confidential.
  • Change your passwords periodically.
  • Avoid selecting PINs and passwords that would be easy for an identity thief to figure out.
  • Do not carry PINs and passwords on your person or leave them near your checkbook, credit, debit, or ATM cards.

Wallets and Purses

  • Do not carry unnecessary checks, credit, debit or ATM cards, or your social security card in your wallet or purse.

If you think you have become a victim of identity theft, take these steps:

  • If it involves one of your National Bank of Commerce accounts, call us immediately at 877-733-6862.
  • File a police report and call the Federal Trade Commission's Identity Theft Hotline at 1-877-438-4338.
  • Notify the fraud departments of the three major credit bureaus and request that they post a "fraud alert" in your file and a victim's statement asking that creditors call you before opening any new accounts. The fraud hotline numbers for the three major credit bureaus are: Equifax – 1-888-766-0008; Experian – 1-888-397-3742, and TransUnion – 1-800-680-7289.