Community Bank, N.A., (CBNA) is a full-service financial institution and national banking subsidiary of Community Bank System, Inc. With locations across Upstate New York and Northeastern Pennsylvania, CBNA offers personal loans, mortgages, checking and savings accounts, credit and debit cards, online banking, mobile banking, commercial loans, cash management and more. In addition to a full range of retail and business banking services, the company offers comprehensive financial planning, insurance and wealth-management services.
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Working to Protect Your Debit Card

At Community Bank, there is nothing more important to us than the relationship of trust we share with our customers and our communities. That trust includes nothing less than working with you to ensure the complete security of your information and accounts.

Occasionally you may hear about debit card fraud from the national media. The source of most debit card compromise and subsequent fraud in the United States occurs through merchant systems, including transactions at retailers, online vendors, restaurants, convenience stores, gas stations and national payment processors. Examples include data breaches at Heartland Payment Systems, TJX Co. (TJ Maxx), Global Payments, Inc, Target and The Home Depot.

When events are detected by VISA® and other financial networks, banks and merchants are notified so that immediate action can be taken to protect accounts which may be at risk. Community Bank, N.A. and other banks, in turn, take action to notify customers whose cards may be affected. To protect our customers, we take a very conservative approach.

After attempting to contact customers to let them know of the potential compromise, we may close the cards which are at risk, and issue replacements as necessary.

To ensure that you are notified of fraudulent activity when it happens, please make sure that your contact information, including home, business, and cell phone numbers, on file with the bank are current. Please be aware that we will never ask you for personal information such as account number, pin number or social security number. If you are suspicious about an email, phone call or text message you get, please call the toll-free number on the back of your debit card.  

As the financial industry and law enforcement work to minimize these occurrences, you should also be aware that:

We encourage you to also visit our "Identity Theft" page to learn more about the identity theft and how you can take steps to protect your account and personal information.


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