Security Statement

NBDC is pleased to offer online financial services to our customers. The Bank understands and shares the concern that customers may have regarding privacy on the internet and is committed to protection of customer information.


NBDC protects your confidentiality and takes internet security very seriously. We use a combination of access, authentication, and encryption to create a secure and confidential online banking environment and to ensure that information submitted online remains confidential. Our technology is periodically updated and tested to continue to provide the highest level of protection.


Audits and Inspections

NBDC's security infrastructure is regularly audited and inspected by external firms that specialize in security processes and technologies.


Physical Security

NBDC restricts access to computer servers to those personnel who require access as part of their job description.


Email

Customers may wish to communicate with us by email. We treat information submitted to us by email as confidential and use it only for appropriate business purposes. However, email communications may not be wholly secure from interception. If you are sending nonpublic personal or other confidential information, you should consider calling us at (607) 865-4126 or writing to us at: 131-133 Delaware Street, Walton, NY 13856.


Phishing

Beware of "phishing" scams. This is an unsolicited email, seemingly from a legitimate organization such as ours, which may ask you to verify or provide confidential personal information such as your bank account number, Social Security Number, or passwords. Once received, this information is used by the perpetrators to gain unauthorized access to your accounts and possibly to steal your identity. The solicitation may come in the form of a link to a website or an email request which may look legitimate, since it bears seemingly correct logos and bank information. Our bank would never contact our customers via email to confirm or request information.


Should you experience what you feel is a suspicious contact eliciting account information, please contact our Security Officer Karen Luttrell or Richard Simmons at (607) 865-4126 or kluttrell@nbdcbank.com;rsimmons@nbdcbank.com


ID Theft

To further protect yourself from fraud and identify theft, we recommend you do the following:


Never release your account information online, by email, or by telephone, unless you have initiated the call. Legitimate businesses generally will not ask you for this information.


Vigilantly check all personal and financial data (account statements) and promptly report any incidents of suspected identify theft to your financial institutions and local law enforcement and the Federal Trade Commission. National Bank of Delaware County account information is also available to account holders through our Internet Banking system and our telephone banking system (Touch Tone Teller).


Periodically obtain credit reports from the three major credit reporting agencies. You may obtain a free credit report from each of the three agencies annually online at www.annualcreditreport.com.


If you find fraudulent activity, you should notify each nationwide credit reporting agency of the fraudulent activity and ask that all information relating to the fraudulent activity be deleted. You have to right to place a Fraud Alert within your credit report to put creditors on notice that you may be a victim of fraud. The three major credit bureaus are Experian (888-397-3742), Equifax (800-525-6285) and Trans Union (800-680-7289).


More information on identity theft and ways you can protect yourself is available from the Federal Trade Commission at www.consumer.gov/idtheft or by telephone at 1-877-IDTHEFT (1-877-438-4338).


Identity Theft Information

Common sense is your best protection against identity theft, and there are several things you need to know to protect your identity.


The National Bank of Delaware County (NBDC) has been made aware of attempted fraudulent activity perpetrated against our and other banks in the county. The fraudsters call customers stating they are representatives of the bank and lure the customers into verifying or giving their user name, password, account numbers and/or routing numbers. This type of activity is commonly referred to as phone phishing or vishing.


Please Note: NBDC will never initiate a call of any kind, including automated calls, to a customer requesting user name, password, account numbers and/or routing numbers. Please contact the bank at 607-865-4126 to report any attempt to secure your personal banking information.


Protecting Your Identity

There are several things you can do to reduce the chance that you'll become a victim:

  • Safeguard your checkbook and supply of checks.
  • Don't put bills paid with checks inside your mailbox for postal pickup.
  • Guard your identity. Keep bank account numbers, PIN numbers and Social Security Numbers out of your pocketbook and wallet.
  • Destroy financial documents such as old bank statements or credit offers that contain account numbers or account information.
  • Always write checks in non-erasable ink.
  • Use caution when providing financial information over the phone or internet.
  • Vigilantly review your bank statements or returned checks to ensure no unauthorized transactions occurred. Promptly report any incidents of suspected identity theft to all your financial institutions and local law enforcement and the Federal Trade Commission. National Bank of Delaware County account information is also available to account holders through our online banking system (NBDC E-Bank) and telephone banking system (Touch Tone Teller).
  • Periodically obtain credit reports from the three major credit reporting agencies. You may obtain a free credit report from each of the three agencies annually at www.annualcreditreport.com.
  • You have the right to place a Fraud Alert within your credit report to put creditors on notice that you are a victim of fraud. Your may place a "Fraud Alert" by contacting the credit report agencies shown below.
  • If your wallet or checkbook is lost or stolen, act quickly to reduce the potential for damage. Immediately call:
  • All bank and credit card companies to freeze your accounts. Ask to close out your compromised accounts and ask to have the bank contact the ChexSystems Lost and Stolen Check Hotline, which alerts retailers and other banks to the missing checks or information.
  • Your local police.
  • The three major credit bureaus - Experian (888-397-3742), Equifax (800-525-6285) and TransUnion (800-680-7289)
  • Major check verification companies - Certegy (800-770-3792) and TeleCheck (800-366-2425)

Learn more about identity theft on the FTC's ID Theft website here.