Security is a Partnership

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Identifying Fraud & Scams

When we contact you, we will never ask you for your username, password, account number, or security code by email, phone, text message, or social media. Never give anyone your password, or security code – Anyone that asks for these secrets is trying to commit fraud and steal your money. Report fraud and attempted fraud using the contact information below. If you question or doubt the identity of the person contacting you, call us at 1-800-BNC-BANK (1-800-262-2265).

When you contact us, we may ask for personal and account information to confirm your identity. However, we will never ask you for your password or security code.

If anyone ever asks for your password or security code, end the conversation immediately.

Regularly & frequently monitor transactions on your accounts with online banking. Report suspicious transactions immediately.

How to Protect Yourself

You need to be diligent at protecting your sensitive information. We suggest:

  • Create a strong password and do not share it or other login information with anyone. Visit for helpful information on creating a strong password.
  • Sign up for eStatements to eliminate account information from lying around.
  • Check your accounts through online or mobile banking on a regular basis for unusual activity (don't wait for a monthly statement).
  • Shred any papers that have your personal information on them.
  • Sign up for Online Banking alerts to monitor account changes.
  • Request a free annual credit report at from each of the three national credit reporting agencies, even if you don’t suspect any unauthorized activity.  Watch for credit inquiries from unfamiliar companies, accounts you never opened, and unexplained debts.  These can be warnings signs of fraud or identity theft. If you do spot a problem on your credit report, contact the three credit reporting agencies immediately:
    •     Equifax: 1-800-525-6285
    •     Experian: 1-888-397-3742
    •     TransUnion: 1-800-680-7289

How We Protect You

Secure Website. We use the latest, industry-accepted security standards to safeguard your personal information. When you use our Online Banking, your login information is encrypted and protected.

User ID and Password. You create your own Online Banking Username and Password. This information is encrypted during transmission to BNC. To help maintain security, we require you to change your Password routinely. To protect your Online Banking account, do not allow your internet browser to save your Username and Password - maintain this information in a secure manner.

Layered Security. We utilize multi-factor authentication for identifying you during Online Banking login. In addition, we deploy SecureID Tokens to all Business Online Banking users; tokens generate a unique security code that is used at login, providing an additional layer of hacker-resistant security.

Fraud Protection. We monitor your debit card for suspicious activity. If we suspect fraud, our Fraud Center will contact you. If we cannot reach you, we will suspend your card to prevent fraud.

Secure Messaging. We offer secure messaging services through our website and your Online Banking. Use this feature whenever you want to send us confidential information to ensure safety. Regular email is not secure; do not send us confidential information via regular email. Instead, use our secure messaging services or contact us by phone, mail, or in person.

Security Tools

Take advantage of these services to protect your account.

  • Sign up for Alerts in Online Banking to get notified by email or text when certain transactions take place on your account.
  • Use Check Positive Pay or ACH Positive Pay to prevent unauthorized transactions from posting to your business accounts.
  • Manage where, when and how your debit card can be used through our Card Management.

Report Fraud

BNC National Bank will never ask for your account or personal information via email or text message. If you feel that you have been a victim of fraud, call to report right away!

  •    General fraud: 1-800-BNC-BANK (1-800-262-2265)
  •    Debit card fraud: 1-800-BNC-BANK (1-800-262-2265)
  •    Personal credit card fraud: 1-800-558-3424
  •    Business credit card fraud: 1-866-552-8855

Identity Theft

If you are the victim of identity theft, or you have been notified that your personal information was part of a data breach, follow the steps outlined at the Federal Trade Commission's This website is specifically set up to guide you through the process.

Elder and Vulnerable Person Abuse

If you have been the victim of abuse, exploitation, or neglect, tell your doctor, a friend, or a family member you trust so you can get help. You can also call your local law enforcement department or State Reporting Agency.

  •     In Arizona call 1-877-767-2385
  •     In North Dakota call 1-855-462-5465

If you suspect that abuse has occurred or is occurring to someone, relay your concerns to the local Protective Services agency or the police.

Additional Resources

The following brochures contain information concerning cyber security:

Online resources where you can obtain more information on your personal financial security: