a virtual lock and compass

Fraud & Security Center

YOU’RE PROTECTED

The National Bank of Indianapolis is dedicated to maintaining the highest standards of security and privacy for the Bank and for our clients. We have implemented many Security Features that are designed to safeguard your accounts and your personal information. We also strongly suggest that you follow our Security Recommendations to help keep your Internet activity as secure as possible.
 
We will never call, email, or send a text message asking for your online password, PIN number or social security number. 

REPORT FRAUD OR SUSPICIOUS ACTIVITY

If you believe your account information has been stolen or compromised, or
  • There are transactions you don’t recognize on your account
  • Your check book, purse, wallet, ID was lost or stolen
  • Lost or stolen card 
  • You need to stop a payment/check
Call your Banker or 317-261-9000 immediately
 
Check your account and keep a record of any transactions you do not recognize.
 
Your Banker and the Bank's Fraud Department will guide you through the necessary steps to respond the fraudulent activity effecting you.
Step 1—Notify: Call the companies where any fraud has occurred.
  • Call the Fraud Department. Explain that someone has stolen your identity. Ask them to close or freeze the accounts. Once an account is frozen, no one can add new charges unless you agree to them.
  • Change logins, passwords, and PINs on all your accounts.

Step 2—Credit Bureau: Place a fraud alert and request your credit reports.
  • To place a fraud alert, contact one of the three credit bureaus. That company must communicate your fraud alert to the other two. Fraud alerts are free and will make it harder for someone to open new accounts in your name.
  • Get your free credit reports from Equifax, Experian, and TransUnion. Go to annualcreditreport.com or call 1-877-322-8228.
  • Review your reports. Make note of any account or transaction you don't recognize. These details will help when you report the theft to the FTC and the police.
Step 3—Report It: Report identity theft to the FTC
  • Go to IdentityTheft.gov and click "Get Started". Include as many details as possible.
  • Based on the information you enter, IdentityTheft.gov will create your Identity Theft Report and a personal recovery plan.
A credit freeze, also known as a security freeze, is a consumer right provided by Indiana law. Placing a credit freeze on your credit reports can block an identity thief from opening a new account or obtaining credit in your name. A credit freeze keeps new creditors from accessing your credit report without your permission. If you activate a credit freeze, an identity thief cannot take out new credit in your name, even if the thief has your SSN or other personal information, because creditors cannot access your credit report.
 
There is no fee for Indiana residents to place, temporarily lift, remove or request a new password or PIN. To place a freeze, either use each credit agency's online process or send a letter by certified mail to each of the three credit agencies. Make sure you freeze your credit with each credit bureau- a freeze with one bureau will not transfer to the others.
  • Never send your account number, password, social security number, PIN, or other confidential information by unsecured email
  • Use online or mobile banking to monitor your account frequently. Report any unauthorized or questionable charges to us as soon as possible.
  • Beware of public Wi-Fi or other unsecured connections when using online or mobile banking, paying bills, or performing other secure transactions.

PERSONAL ACCOUNTS

  • Secure online and mobile banking
  • Text Account balance alerts
  • E-Statements
  • Privacy – we will not share or disclose SSN or other private information with third parties
 

BUSINESS ACCOUNTS

All the safeguards listed above under Personal, PLUS:
  • Fraud Prevention Services (additional cost applies) – use these tools to only allow authorized transactions to affect your account:
    • ACH Blocks and Filters
    • Positive Pay
  • How to protect your business from corporate account takeover:
    • Educate your employees:
      • How to spot phishing scams and impostor email scams
      • Best practices for keeping confidential or banking information secure, both within the office, and when emailing
      • Question requests that just don’t see right, such as unusual wire or funds transfers requests or invoices
      • Use strong passwords
    • If possible, use a dedicated, secure workstation for banking or other confidential activity.
    • Ensure your anti-virus protection is sufficient and up to date.
    • Monitor you accounts daily. If you notice suspicious activity, contact us immediately. Failure to do so could result in you being liable for fraud losses.
    • Contact us for more information on keeping your business safe and secure.
Learn about personal fraud prevention and online practices from Federal government resources
 
 
 
 
 
 
If your answer is “yes” to any of the following questions, you may be dealing with a scammer:
  • Payment by gift card: Is someone or some business requesting that you make payments by gift card
  • Grandparent: has someone called you claiming to be your grandchild who is in jail and needs money?
  • Lottery: Have you received an unexpected letter in the mail stating you won a lottery? Are you being asked to cash a check and send back a portion of the funds to pay for taxes or attorney fees?
  • Selling Online: Have you recently sold something online, and received an over-payment? Are you being asked to send a portion of that back?
  • Computer repair: Have you recently received a pop-up window on your computer stating it is infected with a virus? Even if the ad states it is Microsoft, this is likely a scam.
Learn about business fraud prevention and online practices from Federal government resources
  • Educate your employees:
    • How to spot phishing scams and impostor email scams
    •  Best practices for keeping confidential or banking information secure, both within the office, and when emailing
    • Question requests that just don’t see right, such as unusual wire or funds transfers requests or invoices
    • Use strong passwords
  • If possible, use a dedicated, secure workstation for banking or other confidential activity.
  • Ensure your anti-virus protection is sufficient and up to date.
  • Monitor you accounts daily. If you notice suspicious activity, contact us immediately. Failure to do so could result in you being liable for fraud losses.
  • Contact us for more information on keeping your business safe and secure.