Cyber Tip

Use Mobile Alert Banking to track debit card activity via text message.

Monitor — Personal

Monitor Your Personal 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.
  • Calls or letters about purchases you didn’t make.
Below are additional monitoring tips from the Federal Trade Commission.

Review Your Credit Report

Credit reports contain information about you, including what accounts you have and your bill-paying history.

  • The law requires the major nationwide consumer-reporting companies — Equifax®, Experian® and TransUnion® — give you a free copy of your credit report each year if you ask for it.
  • Visit, a service created by the three companies mentioned above, to order your free credit reports each year. You can also call 1-877-322-8228 or write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Return to Top

Consider Signing Up for Internet Banking

One of the most convenient ways to monitor your accounts in real time 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 secure notifications directly from the Bank. To sign up, please visit from your computer and enroll in our Saratoga National Bank Internet Banking service.

Return to Top

Use Mobile Alerts

One of the most convenient ways to access and monitor your accounts 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 from your computer and enroll in our Saratoga National Bank Mobile Alert Banking.

Return to Top

The Federal Trade Commission is the source for this information. To learn more about identity theft, visit 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.