The only one who should be spending your money is you.
Fraud and Theft Information
At National Bank of Commerce, we’re dedicated to keeping your information private and protected. We follow strict security ordinances to ensure your information is secure.
Your financial security is our top priority, and we will never initiate a request for the following personal information from you via email, phone call or text:
- Social Security number
We strongly suggest that you never share these personal items with anyone.
Stolen or Lost ATM or Debit Card
Cancel your card immediately by calling:
715.394.5531 during normal business hours
866.546.8273 after hours and on weekends
You may also report your card lost or stolen within the NBC Mobile app. You must have the NBC Mobile app downloaded to access this feature.
Stolen or Lost Checkbook
Call 715.394.5531 immediately to halt payment on any missing checks. If calling after normal business hours, please leave a detailed message that includes your name, account number and preferred phone number.
SUSPECT YOU’RE AN IDENTITY THEFT VICTIM?
If you think your identity has been stolen and are a National Bank of Commerce customer, contact us directly at 715.394.5531. We will help evaluate the situation and take the necessary steps to keep your personal information safe.
Find out more about identity theft and tips to protect yourself at:
If you have suffered a loss, please notify the police.
Q: Do I or the bank have to sign up to receive the text message?
A: No. Text is part of the fraud center service and is provided free to you, our cardholders. The bank does not have to do anything as the text service is automatic.
Q: If I reply STOP to opt out, can I opt back in.
A: Yes. You will get a voice call from the auto-dialer that will give you the option to opt back in for text messages as long as you confirmed ‘No Fraud.’
Q: Will the fraud center list all suspected fraud transactions in each text?
A: No. Only one transaction will be listed in the text.
Q: What happens if I don’t respond to the text message right away?
A: Cardholders have 30 days to respond to text messages.
Voice: Auto-Dialer Call
Q: What happens if the auto-dialer or fraud analyst is unable to authenticate my identity as the cardholder?
A: You will be referred to contact the bank and an email notification will be sent to the financial institution.
Q: As a cardholder, if I call the fraud center, is the full 16-digit card number confirmed or just the last 4 digits?
A: Card numbers are not used for verification. First verification is done by verifying the phone number calling in to see if it matches one listed in the fraud center, second verification is billing zip code. If the cardholder cannot authenticate on the zip code, they must give us a phone number that is on their card record.
Q: Why can’t the auto-dialer say the merchant name to the cardholder first? It would be far less confusing to our cardholder hearing “Did you make a purchase at Walmart” instead of “Did you make a purchase at a grocery store/supermarket.”
A: The cardholder can press option 2 to get more information on the transaction, including merchant name. The merchant name is text to speech, so for some merchant names the pronunciation may not be 100% accurate.
Q: Who do I call if it is after hours and I have an issue using my debit card?
A: The fraud center does not address issues using a debit card. The fraud center is only dealing with fraudulent activity on cards. If the cardholder receives a call from the fraud center, the phone number to return the call will be provided. Otherwise refer to the number on the back of your debit card, 866.546.8273.