Falcon Fraud Detection
When potential fraud is detected on a SNB Debit Card, customers will be alerted by text message, automated phone call and/or email.
A text from Superior National Bank Fraud Service Center asking to verify transactions is legitimate.
Customers will be asked to respond appropriately if they conducted the transactions or not.
Automated Phone Call (if there is no response to text message)
The call will be identified as Superior National Bank Fraud Service Center. Customer will be identified by prompting entry of the last four digits of their Social Security number or tax identification number.
If not fraud: customer will respond appropriately and then be done.
If fraud: customer will be transferred to a fraud specialist for further information.
Email (if no response to text or call)
Customers will receive an email from Superior National Bank and can reply appropriately to the transactions.
Lost or Stolen Card?
Please call the bank at 906-482-0404 immediately or if after hours, call 800-500-1044.
How We Protect You
Superior National Bank & Trust Company is committed to making sure that your personal and financial information remains secure. For over a century, we have endeavored to provide our customers with high-quality products and services that help ensure and maintain their privacy.
Online Banking Security
Debit and ATM Card Security
- Unauthorized Charges – You may not be responsible for any unauthorized charges made on your Superior National Bank debit or ATM card.
- Fraud Early Warning – Using state-of-the-art technology and skilled fraud experts, Superior National Bank will monitor your transaction activity day and night. If suspicious transactions are detected, a fraud specialist will attempt to contact you, and if fraud is suspected, your card will be disabled immediately.
- Account Accessibility – Your transactions may be easily viewed on your online banking account.
- Secure Messaging – A feature on the Superior National Bank website allows you to contact the bank through a secure method.
- eStatements – This free service allows your statements to be sent directly to your e-mail inbox, thereby reducing the risk of your statement being stolen or lost.
Please click here to view Superior National Bank & Trust Company’s privacy notice.
How We Help Victims of Fraud / Identity Theft
If you suspect that you are a victim of identity theft or fraud, there are steps that Superior National Bank can take to help you. There are also ways that you can take action to help regain your credit and your name.
Steps we take to help victims
- Place a ‘hot card’ status on your debit / ATM card – This makes the card and card number unusable. A new card may be reordered if requested by the customer.
- Provide paperwork to dispute unauthorized charges – We can provide customers with the paperwork necessary to dispute any unauthorized transactions made on their debit or ATM cards.
- Assist in contacting the appropriate agencies – We can give customers recommendations on how to take care of their situation and provide contact information to necessary agencies.
Steps for victims to take
- Contact us immediately – The faster we know about your situation or suspicions, the faster we can act upon them. Call 906.482.0404 or toll-free at 1.866.482.0404 if you have any cause for concern. You may also use the secure message center to send a message on your situation. Click here for the secure message center.
- Contact all three major credit bureaus – You may wish to have a fraud alert attached to your file. Below is the contact information for each bureau.
- Keep communication records – Be sure to hold onto all information regarding your situation including the event and resolution. It is a good idea to print relevant e-mails and take detailed notes regarding phone conversations.
- Report any crime to the local police – Be sure to provide the police with as much information as you can. Obtain a police report, as this may provide weight to any subsequent fraud case.
- Report any crime to the Federal Trade Commission (FTC) – Any information you provide may be shared with law enforcement around the world working to crack down on identity theft and fraud. You may also be provided with information that may be helpful in resolving your situation. Below is the contact information for the FTC.
- 1.877.438.4338 or click here.
How to Help Protect Yourself
While there are many ways that Superior National Bank endeavors to monitor and stop fraud and identity theft, you are often the first person to notice that something is wrong. Here are a few tips on how to spot fraud and better safeguard your private information.
- Monitor your accounts. You know your accounts best. Carefully examine your statements and/or your online accounts. If something is off, chances are you will catch it first.
- Create a password that is strong and secure. Create a password that only you would know. Avoid using easy to guess places, people, dates, and number/letter sequences. Also, do not write down your password or give it out to anyone for any reason. Superior National Bank will never ask you to provide your password by e-mail, text message, telephone or any method of communication.
- Learn more about fraud and identity theft. If you are educated about the ways that fraudsters and thieves operate, you have a better chance of spotting and stopping the theft of your personal information. For more information on identity theft, click here.
- Be aware of what gets put on social networking sites. These sites can be used by thieves to gather information that they can then piece together and use illegally. Always keep in mind that thieves look for photos, addresses, birthdates, phone numbers, family history and any identifying information to make it easier for them to make you their victim. The internet has become the virtual mall for thieves to “shop” for this information.
- Check your credit report annually. This allows you to check that the report is accurate and report any suspicious or unauthorized credit applications.
- Do not give out your personal information. Do not give out information such as your social security number, debit card number, address, PIN number, account number, or password. Verify who you are speaking with before ordering, donating, or banking by phone.
- Remember that if something seems too good to be true, it probably is. If you win a contest/lottery you never entered and you’re asked to send money for ‘fees’ or ‘taxes’ before you receive your prize, report the request to Superior National Bank immediately. There is a very good chance this is a scam.
- Don’t open links in e-mails you never requested or find suspicious. These links sometimes allow for dangerous malware and computer viruses to be put onto your computer.