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Security & Privacy

Protecting your account and personal information is a top priority for us at National Capital Bank

 
Understanding the Equifax data breach
 
In the wake of the Equifax data breach, monitoring your accounts and personal information has never been more important.  
If you suspect fraudulent activity, promptly report it to the Bank.
 
Here is what happened. 
 Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017, and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth, addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases. 
 
 What you need to know. 
 To be clear, National Capital Bank was not compromised and your information was not stolen from our bank. As you know, NCB takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your NCB accounts by calling us at 202.546.8000.
 
Available resources from Equifax.

Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers complimentary identity theft protection and credit file monitoring. This information is available at Equifax Security 2017. To protect your identity and personal information, NCB strongly encourages our customers to take the actions noted below.

  • Review your account statements to spot any suspicious transactions. You can also monitor your account activity online at any time through NCB's online banking.  Log in  to check the status of your account 
  • If you spot any suspicious transactions, please contact us immediately at 202-546-8000.
  • Consider if you should place an initial fraud alert on your credit report online  by visiting the Federal Trade Commission
  • Review your credit reports for accuracy. Call any one of the three credit reporting agencies, listed below to receive your free annual credit report or visit AnnualCreditReport.gov.
  • You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft. 
  • Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866.447.7559.
How to protect yourself from identity theft.

If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC):

As always, if you have a question about your account or would like further assistance, please contact us directly at 202.546.8000.
 
 

 
Credit Reporting Agencies
 Equifax  Experian  TransUnion
P.O. Box 740241
Atlanta, GA 30374
800-997-2493
P. O. Box 2104
Allen, TX 75013
800-311-4769
P.O. Box 1000
Chester, PA 19022
800-888-4213


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 today and get the peace of mind of knowing where your money is going.

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

 Additional Resources