Cyber Tip

Shred financial documents and paperwork containing sensitive information.

Protect — Business

Take Steps to Protect Your Business:

Identity theft can happen to your business accounts as well as your personal accounts. It occurs when identifying and key information is stolen and used without your knowledge to commit fraud or other crimes and can cost you time and money, destroy business credit or ruin your business reputation and name. Consider these important and prudent safeguards:

  • Shred financial documents and paperwork containing sensitive information before being discarded.
  • Don’t give out sensitive business information on the phone, through the mail or over the Internet unless you know with whom you are dealing.
  • Never click on links sent in unsolicited emails. Instead, stick with web addresses you know and trust.  
  • Use firewall, antispyware and antivirus software to protect your office computers (and keep this software updated). Visit for more information.
  • Don’t use an obvious password, such as your birth date, your mother’s maiden name or the last four digits of your Social Security number or business Federal ID number.
  • Keep your personal information in a secure place at your place of business or other location, especially if you employ outside help or are having work done at your business location by contractors, service providers or others.

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Consider Additional Safeguards

  • Banking PC:  Conduct all business banking activities from a stand-alone computer that does not have access to email or the Internet.
  • Dual Control: Initiate electronic transactions (such as payroll and wire transfers) under dual control, with a transaction originator and a separate transaction authorizer.
  • Daily Review: Reconcile all banking transactions on a daily basis, and look for unusual activity.
  • Avoid Phishing:  Don’t access websites from links in emails. Beware of emails offering a prize or discount that ask you to enter a user ID and password. Many of these spoof emails are characterized by poor spelling and grammar.
  • Fresh Passwords: Change your passwords every 45 to 60 days.
  • Online Security: Frequently update antivirus and antispyware software.
  • Email Safely: Never include personal or sensitive data in response to an email.
  • Confirm: Be suspicious of emails pretending to be from a legitimate institution that request your access credentials (such as usernames, passwords, PINs, pass questions, etc.).
  • Stay Informed: Stay in tune with emerging cybercrime developments. Visit the Security portion of our website regularly for up-to-date developments and information.
  • Ask questions: Call Saratoga National Bank for more information at: 518-583-3114.

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What To Do If Your Business Becomes a Victim:

Report Real or Potential Fraud to Us Immediately

If you’re worried you might have inadvertently compromised your account, it is important you speak with us immediately! The sooner we know what’s happened, the sooner we can begin helping you. Please call us now at:  1-800-246-2415.

Close Accounts

Close any accounts that have been tampered with or established fraudulently.

  • Call the security or fraud departments of each company where an account was opened or changed without your approval. Follow up, in writing, with copies of supporting documents.
  • Use the ID Theft Affidavit at to support your written statement.
  • Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
  • Keep copies of documents and records of your conversations about the theft.

File a Police Report

File a report with law enforcement agencies to help you with creditors who may want proof of the crime.

Report the Theft to the Federal Trade Commission

Your report helps law enforcement agencies across the country in their investigations.

  • Online:
  • By phone: 1-877-ID-THEFT (1-877-438-4338); the TTY number is 1-866-653-4261
  • By mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580.