We're looking out for you.
At Northwest, your security is our priority. Here, you’ll learn about some of the policies we’ve adopted and services we provide to protect your personal information. You’ll also find tips for protecting yourself and steps you can take if you think you’re a victim of identity theft.
Northwest Online Banking combines the latest technology to protect your information, and we offer free online fraud protection software to protect you from hackers trying to access your computer, account numbers and personal information.
Debit and Credit Cards
All Northwest credit and debit cards are armed with a tiny microchip. When you make a purchase at a chip card reader, the card transmits a unique code and encryption, making it virtually impossible for hackers to steal financial information, invade your privacy and disrupt your life. Plus, customizable alerts and controls to monitor or prevent certain Northwest debit and credit card transactions. Click here to sign up for debit card alerts. To download our credit card alerts app, search “SecureLOCK Equip” in your app store.
We’ll never contact you by phone or email to solicit personal information, but if you’re working with a legitimate Northwest representative and you need to share sensitive information, we offer a service that keeps you safe. Click here for more information.
We also offer a variety of services to protect businesses from fraud and identity theft. In addition to the services listed above, we offer electronic transfer monitoring and authentication to be sure you authorized transactions to and from your account.
Here's what you can do to protect yourself
Passwords and PINs
- Never use words or numbers that are unique to you or easily obtainable- like your hometown, birth date, child’s name or school
- Create different passwords and PINs for different sites
- Never share your passwords or PINs
- Change them regularly
- Use biometric authentication, like fingerprint or iris scan, when you can
- Keep your anti-virus, anti-malware and anti-spyware software up to date
- Be wary of suspicious emails that may appear to be affiliated with legitimate companies or organizations
- Never click links in suspicious emails—doing so may install malicious software or download a virus to your computer or mobile device
- Don’t send account numbers, credit or debit card numbers, passwords or other personal information by email
- Don’t conduct online transactions while using free public Wi-Fi
- Shred financial account statements, credit card statements, credit card and loan offers and other sensitive information before throwing them away
- Write down your credit and debit card numbers, their 1-800 phone numbers and your driver’s license number and keep the in a secure place in case your wallet is stolen
- Never write your driver’s license number or Social Security number on your checks
- Follow the news—the news media often reports on the latest scams
- If you don’t want to receive credit card offers in the mail, remove your name from the Direct Marketing Association’s unsolicited mail list at www.dmaconsumers.org/consumerassistance.html
- If you don’t want to receive calls from telemarketers, register with the National Do Not Call list at www.donotcall.gov
Using your mobile device
- Regularly update your mobile device operating software
- Download Northwest’s mobile app instead of logging into Northwest Online Banking through your mobile web browser
- Do not respond to suspicious texts, calls or voice messages. Requests for personal information over the phone are almost always a scam
Use your resources
- Sign up for Northwest account alerts
- Download Detect Safe Browsing, Northwest’s free online fraud protection software
- Monitor your credit report at annualcreditreport.com
- Regularly review your accounts using Northwest Online and Mobile Banking or your monthly statements
- To stay updated on the latest scams, visit www.ftc.gov
Alert Law Enforcement
Notify your bank and/or credit card company
Consider a freeze on your credit report
Consider a fraud alert
File a police report as soon as possible after you've been scammed, especially if money was actually stolen from your account. Your bank or credit card company will likely want a copy of the police report, as will the major credit agencies.
Let your bank and/or credit card company know as possible so they can put a hold on your account to prevent further charges against it. Always call the number on the back of your card or on your most recent statement. Never call a number in an email, as it might be part of a phishing scam.
You may want to contact the three major credit bureaus and ask them to place a freeze on your credit reports. If a freeze seems too extreme, you can always place a fraud alert with the credit bureaus, which requires them to contact you before new credit is opened.
If you don’t want to place a freeze on your credit files, consider a fraud alert. Fraud alerts warn creditors that you may be an identity theft victim and that they should verify that anyone seeking credit in your name is actually you.
If you’ve been a victim of fraud, here’s a list of organizations to call:
- Equifax: 1-800-525-6285
- Experian: 1-888-397-3742
- TransUnion: 1-800-680-7289
- Social Security: 1-800-269-0271
- Federal Trade Commission: 1-877-438-4338
- ChexSystems (fraudulent check use): 1-800-428-9623
- US Postal Service (fraud by mail): Call your local post office
For more information about reporting identity theft, visit www.identitytheft.gov.
- Keep your account passwords secure. Think you’ve got an unhackable password? Think again.
- Four ways to avoid online fraud. Life online has risks. Here are some ways to protect yourself.
- What do EMV Chips mean for card security? How a tiny chip packs big protection.
- Understanding Phishing. And avoiding the lure.
- Protecting customers against identity theft. Even the most dedicated customer would think twice about your business if their private information is stolen.
- Security Breach: Is your company at risk?