Cyber Tip

Review your credit reports carefully and often.

Monitor — Business

Monitor Your Business Accounts:

Routinely monitor your financial accounts and billing statements looking for charges you didn’t make.  Be alert to signs that require immediate attention, such as:

  • Bills that don’t arrive as expected.
  • Unexpected credit cards or account statements indicating a possible redirect through a fraudulent address change request.
  • Denials of credit for no apparent reason or for which you have not applied.
  • Calls or letters about purchases your business didn’t make or for which no record exists.
  • Review financial accounts and billing statements frequently, looking for charges you didn’t make.

Contact your personal banker on a timely basis if you suspect anything out of line with your normal business practice and transactions. Below are additional monitoring tips from the Federal Trade Commission.

Always Be on the Lookout

Review your credit reports carefully and often. Each major credit reporting agency is required to provide you with a free copy of your credit report once a year, upon request. Look out for credit inquiries from unfamiliar companies, accounts that you never opened and unexplained debts — all of these are warning signs of fraud and identity theft. To order your free annual credit report, visit www.annualcreditreport.com or call toll-free 1-877-322-8228.

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Consider Signing Up for Internet Banking and Business Online Banking

One of the most convenient ways to access and monitor your accounts is with our Saratoga National Bank Internet Banking service. Internet Banking allows customers with a personal computer to perform transactions in a safe, secure and encrypted environment; monitor your account activity and balances in real time; and receive notifications directly from the Bank. To sign up, please visit saratoganational.com from your computer and enroll in Saratoga National Bank Internet Banking.

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Use Mobile Alerts

One of the most convenient ways to monitor your accounts in real time is with our free Saratoga National Bank Mobile Alerts service. Mobile Alert Banking allows customers with Saratoga National Bank Visa® debit cards to receive notifications about their debit card activity via text message to their mobile phone or email. It also allows customers to check their balance 24/7 using their mobile phone. This service is free for our customers. To sign up, please visit saratoganational.com from your computer and enroll in Saratoga National Bank Mobile Alert Banking.

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The Federal Trade Commission is the source for this information. To learn more about identity theft, visit ftc.gov/idtheft. Or request copies of identity theft resources by writing to: Consumer Response Center Federal Trade Commission 600 Pennsylvania Ave., NW, H-130 Washington, DC 20580.