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· Preventing Fraud

· Privacy Policy

· Prairie Rain
 by Terry Tsotigh

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Personal Accounts and Products

At NAB we understand the importance of security when banking online, like you we are also customers. That's why NAB uses the latest security methods to ensure that your personal and account information is secure.

Fraud and identity theft are commonly occurring problems and are most effectively avoided when you can recognize and know how to avoid them. Here at NAB we feel that it is essential that our customers be made aware of the potential risk that they face from fraudulent activities. It is our goal to inform and educate you so that you are able to: 1. Recognize, 2. Prevent and 3. Report any fraudulent activity you may encounter in an effort to protect yourself as well as those in your community.

Fraudsters - as those who commit criminal or civil fraud are often called - are in constant search of your personal information. This search for bits of information is often referred to as Phishing . Fraudsters may use this accumulated information, obtained through Phising , in many ways that can be devastating to your financial wellbeing. The first step in self protection is being aware of what information you need to protect.

Examples of personal information commonly Phished are:

  • Name
  • Phone number
  • Social Security Number
  • Mother's Maiden Name
  • Driver's License information
  • Date of Birth
  • e-mail Address, Postal Address, Phone Number
  • Credit/Debit/ATM Card Number, Expiration Date, PIN Number
  • Bank Name, Routing Number, Account Number

  • NOTE: Be cautious when providing or when asked to provide any of the above listed information to anyone.

    Common Types of Fraud

  • E-mail is commonoly used as a way to reach potential victims. If you encounter any of the following in an e-mail you should exercise extreme caution.
  • Request for, change or verification of personal information from a seemingly reputable source (i.e. Banks, Insurance, and Credit Card Companies). What you read in the "From" field of your e-mail is easily disguised and should not be solely relied upon as means of authenticity verification. Please feel free to contact Native American Bank at www.nabna.com or at (800) 368-8894 if you are suspicious about an information request. NOTE: You should manually type " www.nabna.com " into the URL Address bar at the top of your browser.
  • Promises of prizes, awards, gift certificates, "get rich quick", investments, and "work from home" job offers, are all examples of misleading attempts to scam and obtain your information. Use extreme caution when an e-mail contains this information.
  • Any link provided within an e-mail is not secure! Contents of a fraudulent e-mail may contain actual phone numbers and links to real websites in an effort to appear legitimate. It is vital that you check every asspect of the e-mail for discrepancies in the provided information. When attempting to communicate with Native American Bank online always attempt to navigate via our home page at www.nabna.com. Do not trust links provided within e-mails!
  • Websites
  • Fraudulent websites are often designed to appear legitimate. Appearance may be misleading in an attempt to coerce you into providing information. Check the URL Address field of your browser to ensure that it displays www.nabna.com or www.nativeamericanbank.com to ensure you are at our proper homepage. It is vital that you always navigate from our homepage at www.nabna.com when attempting to communicate or using our online banking. We provide all the links necessary from our home page.
  • Pop-up Windows
  • Be wary of any pop-up window that asks for any sort of information. NAB will not prompt you for information via Pop-ups. Please contact us at (800) 368-8894 or at www.nabna.com if any such information is requested via a pop-up window.
  • Telephone Scams are common and scammers often employ bullying or over friendly conversation tactics to convince you to provide bits of your personal information.
  • Do not provide personal information to or call any phone numbers that cannot be referenced via our website, www.nabna.com. If you are unsure about the phone number that you have been provided, call NAB at (800) 368-8894.
  • Job Scams
  • Job scams can be enacted in many ways; internet, telephone, mail, e-mail, and in person. Make sure you research the validity of any job offer before providing personal and account information. Many job scams will ask for your bank account number, PayPal account, credit card numbers, etc... and they will use various reasons why they need the account numbers, including but not limited to; direct deposit, payment-forwarding, and payment-transfer. It is important that you not provide any of this information to a new employer until the job has been validated through a reputable source. Many fraudsters will steal the names and logos of established businesses to convince you that they are legitimate employers.
  • IDENTITY THEFT has many forms and can be extremely hard to detect and prevent.
  • Common means used to obtain your personal information:
  • Change of Address: Criminals may contact your bank, or any other financial institution, and change your mailing address so that they receive your sensitive information. If you are notified of a change of address on a credit report, bank statement, or any other method, you may be at risk and you should immediately seek to find how this change was processed. Consistently check your credit report for any false information. Some reputable credit report providers are:
  • Equifax: 1-800-525-6285 : www.equifax.com
  • Experian: 1-888-397-3742 : www.experian.com
  • TransUnion: 1-800-680-7289 : www.transunion.com
  • Dumpster Diving
  • Thieves may rummage through your trash looking for any document you may have thrown out that contains any of your personal information. You can protect youself by shredding any such documents.
  • Stealing
  • A thief may access your personal information by stealing your wallet or any document that may contain persoanal information.
  • Pretexting
  • Pretexting is a tactic employed by fraudsters through the means of obtaining information under the guise of a legitimate financial institution or reputable website. For example you may recieve a phone call or an e-mail from a person who says they are from "Average Bank" and they have some questions about an account you hold with them. Do not provide any personal information to such phone calls or e-mails unless you have initiated the phone call and you have done so through a varifiable phone number obtained from a reputable source. If you receive any phone call or e-mail from a person claiming to be from Native American Bank please feel free to end the call and contact Native American Bank at (800) 368-8894 to resume the conversation and/or inform us of the received call.
  • How Thieves Use Your Stolen Information.
  • Bank Fraud
  • Use of account number and information to empty your bank account.
  • Use of account number to create counterfeit checks.
  • Open a new bank account or take out a loan in your name.
  • Use ATM/Debit cards to make withdrawals
  • Credit Card Fraud
  • Open new accounts in your name creating delinquent accounts as well as amassing large credit card balances thus leaving you in debt and ruining your credit score.
  • Other uses of your personal information by fraudsters
  • Rent a house or an apartment in your name
  • Get a job using your name and social security number
  • Establish a telephone number in your name
  • How to protect yourself
  • Consistantly monitor your accounts and credit reports!
  • Look for unexplainable differences
  • Take note of and investigate inaccurate information
  • Know when and where your statements are due to arrive
  • Make conscious decisions daily toward protecting your personal information
  • Do not give any personal information to anyone that you feel uncomfortable with and/or that has initiated the contact with you.
  • Destroy (shred) all documents that contain any personal information before thowing them away
  • What to do if you are a victim of identity theft or fraud
  • Report what has happened to the proper agencies/authorities
  • Contact your local police department
  • Contact and file a claim with Federal Trade Commission at http://www.ftc.gov/bcp/edu/microsites/idtheft/index.html
  • If you have an account with Native American Bank contact us at (800) 368-8894 or at www.nabna.com
  • Contact the Credit Bureaus
    Equifax: 1-800-525-6285 : www.equifax.com
    Experian: 1-888-397-3742 : www.experian.com
    TransUnion: 1-800-680-7289 : www.transunion.com
    Each Bureau has the ability to place a Fraud Alert on your account, to ensure that any future fraudulent activities do not go unnoticed.
  • Conatact any other financial institution, business, or agency where you hold accounts or believe the thief has or may have established an account

  • Reference Websites
  • Federal Trade Commission Identity Theft Website
  • U.S. Department of the Treasury Identity Theft Resources

  • www.occ.treas.gov/Consumer/phishing.htm
  • President’s Identity Theft Task Force

  • Connect with us on www.facebook.com/NativeAmericanBank or

    © 2008 Native American Bank, N.A.
    999 18th Street, Suite 2460, Denver, CO 80202
    800.368.8894 Phone : 303.988.5533 Fax
    Toll Free (Browning, MT): 800.307.9199

    Lost or Stolen Debit/ATM card: 406.338.7000 or 888.307.9199

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