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Security & Privacy

Protecting your account and personal information is our top priority          

Consumer Alert: #KeepMyBankingPrivate

As your community bank, we care about you, your finances, and your account with NCB. We want to keep you informed about the proposal in Congress to require financial institutions to report detailed information on customer bank account accounts to the IRS, raising serious questions about your right to privacy

If passed, the proposal would require financial institutions like ours to report all deposits and withdrawals – above $600 on all personal and business accounts to the IRS, regardless of tax liability.  This indiscriminate, comprehensive bank account reporting would create an unacceptable invasion of privacy for our customers that could harm small businesses.

We encourage you learn more about this proposal and take action to keep your banking private by contacting your congressional representatives today. 
Follow along here as our banking industry experts at the American Bankers Association keep us updated on the facts. Here is a recent article: Letting the IRS Into Your Bank Account: Separating Fact from Fiction. 
For more information please visit

Security reminders about staying safe online

We remind you to always be aware and vigilant when transacting business online.  


  • Do not provide personal information in response to an email or phone 
  • Do not click on links to NCB's online banking log in within emails; we will not send you an email with a direct link to your online banking account. 
  • Do not use the same password for multiple sites. Password complexity is important, however, the longer the password the better. Use password managers like LastPass and 1Password to easily keep track of passwords.
  • Log in to your online banking to check balances and verify contact information.  
  • Set up multi-factor authentication as an added layer of security. You'll need to use a code that keeps others from logging into your account and alerts you when they try to login. 
  • Lock down your login ensuring passphrases are lengthy, unique and safely stored and adopting strong authentication for added protection and are updated often. 
  • Update your system and software by having the latest updates for security software, web browsers and operating systems to help keep cybercriminals at bay.
  • Look for the lock symbol and verify the correct website address or URL.  The lock symbol means the website is using security – and that’s a good thing!  It’s the secure, encrypted connection between your web browser and the server so that other people such as hackers cannot obtain information.  NCB’s website address is and when accessing your online banking the URL will display with the NCB icon and https://
  • Back up your personal data with electronic copies of your most important files – things like medical records, financial information and family photos and set a schedule to do so regularly throughout the year.
  • For more tips on online safety visit  
While our team is constantly monitoring for suspicious activity and implementing the latest cyber security practices, we also want to make sure you have the control you want in order to continue banking securely, which is why we offer advanced account capabilities including:
  • Debit Card controls with spending limits and activity alerts
  • Ability to turn off your card if lost or stolen
  • Anytime mobile access for reviewing and approving exception items in the Positive Pay module
  • Out-of-Band Authentication for all online account users
  • In-depth reporting on business wire and ACH activity  
To access these account capabilities visit our contact us page to speak with your closest NCB branch or representative. 


For additional information on how NCB is helping our customers protect their information online, please check out our                   Be Cyber Smart Fraud/Cyber Training: Threats and How to Mitigate Them

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Credit Reporting Agencies
 Equifax  Experian  TransUnion
P.O. Box 740241
Atlanta, GA 30374
P. O. Box 2104
Allen, TX 75013
P.O. Box 1000
Chester, PA 19022

Monitor Your Accounts

You should check your credit report to ensure accurate account activity has been reported at least once a year.  You can request a copy of your credit report from any of the providers above, as well as sign up for monitoring services offered by various companies online.

NCB also offers Visa® Purchase Alerts which allows you to receive an email or text message when your card has been used.  Enroll in Visa Purchase Alerts (Opens in a new Window) (Opens in a new Window) today and get the peace of mind of knowing where your money is going.

Notify us immediately if your NCB Visa Check Card, ATM Card or Credit Cards have been lost or stolen.

 Additional Resources