Fraud Education and Resources
Redding Bank of Commerce and Sacramento Bank of Commerce, a division of Redding Bank of Commerce, make fraud education and prevention top priorities. Protecting your personal information is critical to keeping your online identity free from fraudulent activity. We are proud to offer information and alerts to help keep you safe.
Redding and Sacramento Bank of Commerce:
- Will never ask you to send personal or financial information through email or a link from a website.
- Will never call and ask for your financial information. Things like your account number, social security number, account balances.
- Will ask you to verify your identity should you call us, before we disclose any of your personal financial information.
If you believe your account may have been compromised, contact us immediately at 800.421.2575.
Lost or Stolen Checks, ATM/Debit Cards
If your checks have been lost or stolen, it's important to contact us right away. Contact Customer Care at 800.421.2575.
To report a lost or stolen ATM/Debit Card:
Evenings, weekends and holidays: 800.383.8000
Monday - Friday: 800.421.2575
8:30am - 1:00pm
8:30am - 1:00pm
- Protect your passwords - Don't write them down or share them with anyone.
- Password rotation - Change your online banking passwords at least 1-2 times annually.
- Use Anti-Virus software and Firewall on your computer.
- Security questions - Don't write down or share your security questions or answers.
- Shop securely - Only shop with online merchants you know and trust.
- Public WiFi - Never conduct online banking transactions when connected to public WiFi.
- Log off - Always log off when you have completed your Online Banking transactions.
Email is the primary way computer systems are compromised today. Viruses, Malware, Ransomware, and other types of malicious software are delivered in email attachments.
- NEVER open attachments, click on links, or respond to email from unknown senders.
- ALWAYS verify any email you may not trust by calling the sender on the phone.
- Phishing - this is a type of email designed to steal your personal information.
- Spam - Email messages that require "immediate" action or response from you should be considered dangerous.
Mobile Banking Security
- Passcode - When using your mobile device to access your account, make sure the device has a passcode.
- Privacy - Never disclose your personal financial information via text message or email.
- Missing Device - Contact us immediately if your mobile device has been lost or stolen.
Protecting You Online
- Confidential Information – We will never call or email you requesting private information such as Social Security Number, account numbers, or passwords.
- Challenge Questions – We may ask you challenge questions when our systems detect abnormal activity or high risk transactions.
- *Alerts – We will send our business customers alerts when new wires are submitted, ACH batches are initiated, when new users are added, and when changes are made to users. (*customers are required to enroll).
- Contacting You – We will require offline verification of wire and ACH transactions before we will process them.
- Suspicious Activity – We will contact you if we suspect suspicious activity on your accounts.
- Text Alerts – If enrolled, we will send you text alerts for transactions you wish to know about.
STOP | THINK | CONNECT
- Visit Stop Think Connect for general tips and advice for good online safety habits.
Consumer Protection Links:
- The Federal Trade Commission (FTC) is the nation's consumer protection agency that collects identity theft information. If you think you are a victim or identity theft or identity fraud, it is important that you file an identity theft complaint with the FTC. Contact the FTC's Identity Theft Hotline at 877-ID-THEFT (877-438-4338) or file your complaint online with the FTC. The Identity Theft Complaint prints in a legal format called an "affidavit". Print a copy of the affidavit as it will be used when you file a police report to become your "Identity Theft Report".
- The amended Fair Credit Reporting Act permits consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies; Equifax, Experian, and Trans Union. Visit AnnualCreditReport.com to receive a free report online or by calling (877) 322-8228.
- If you think you are a victim of identity theft or identity fraud, immediately call the Customer Care Center at 800.421.2575.
- To report a stolen or lost ATM or Debit Card after hours, on weekends or holidays, immediately call 800.383.8000.