Cyber Tip

Close any accounts that were established fraudulently.

Protect — Personal

Protect Yourself and Your Family —
What to Do If You're a Victim:

Report Real or Potential Fraud to Us Immediately

If you’re worried you might have inadvertently compromised your Saratoga National Bank 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.

Initiate a Fraud Alert

Place a “fraud alert” on your credit reports, and review these reports carefully. The alert tells creditors to follow certain procedures before they open new accounts in your name or make changes to your existing accounts. The three nationwide consumer-reporting companies have toll-free numbers for placing an initial 90-day fraud alert. A call to one of these companies is sufficient:

  • Equifax®: 1-800-525-6285
  • Experian®: 1-888-EXPERIAN (1-888-397-3742)
  • TransUnion®: 1-800-680-7289

Placing a fraud alert entitles you to free copies of your credit reports. Look for inquiries from companies you haven’t contacted, accounts you didn’t open or debts on your accounts you can’t explain.

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