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Phishing


What is Phishing?
Phishing (pronounced "fishing") is a form of criminal activity that employs social engineering techniques to acquire sensitive information such as passwords and credit card details. By masquerading as a trustworthy person or business in an apparently official electronic communication like e-mail, criminals use sophisticated lures to "fish" for users′ financial information and passwords.

What protection do I have if I responded to a Phishing attempt?
Each situation is different. We′ll work with you to make the best decisions based on the nature of the compromise and what data you shared.

Should I provide my User ID or password in an e-mail?
You should never enter your User ID, password or account number in e-mail.

What should I do if I′m suspicious of an e-mail bearing the BNB Bank logo?
If you are suspicious, don′t reply to, click on, or enter any information. If it says it′s from BNB and you′re suspicious, you can forward it to abuse@bnbbank.com. If you entered information about one of your BNB accounts, you should call us immediately. We will investigate each incident and take steps to prevent further unauthorized e-mail from being sent. Call us at:
           

It′s not our practice to:

Identity Theft


What is Identity Theft?
Identity Theft happens when a criminal obtains your personal information to steal money from your accounts, open new credit cards, apply for loans, rent apartments and commit other crimes — all using your identity. These acts can damage your credit, leave you with unwanted bills and cause you countless hours and frustration to clear your good name.

What should I do if my Identity is stolen?
If you′re a victim of identity theft or account fraud, you should notify your bank(s) immediately. If your account(s) is with BNB you should call your BNB Customer Service Representative immediately. BNB will work with you in an effort to make appropriate corrections of unauthorized transactions in your BNB accounts and to correct any incorrect reports submitted by BNB to credit bureaus, and will attempt to help protect you from any future identity theft or account fraud.

We also suggest that you immediately:



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CHANGES IN FDIC COVERAGE
     
The standard insurance amount currently is $250,000 per depositor. The $250,000 limit is permanent for IRAs and other certain
      retirement accounts. The $250,000 limit is temporary for all other deposit accounts through December 31, 2013. On January 1, 2014,
      the standard insurance amount will return to $100,000 per depositor for all account categories except IRAs and other certain
      retirement accounts, which will remain at $250,000 per depositor.

      Effective October 14, 2008, all non-interest bearing transaction deposit accounts held at BNB Bank, including personal and business
      checking accounts, are fully insured for the entire amount in the deposit account. This unlimited insurance coverage is temporary and
      will remain in effect until December 31, 2009. The extension of the temporary standard insurance amount of $250,000 through 2013
      does not apply to the Transaction Account Guarantee Program.

      For more Information about FDIC coverage, Please visit www.fdic.gov.


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