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During normal banking hours call us at:  402-375-1130.
During after hours, please call:  1-800-236-2442.

How Do I Protect My Accounts

Identity theft is growing and State Nebraska Bank & Trust has safeguards in place to help protect your account.

You can do a lot to protect yourself if you keep your personal information private. Don’t give out your passwords or Personal Identification Numbers (PINs); never write them down and leave them in plain view.


  • Keep in mind identity thieves aren’t always strangers
  • Monitor your accounts regularly, review your account statements as soon as you receive them, and check your credit report at least once a year.
  • Call us immediately if you discover any unauthorized transactions on your accounts.
What should I do if I suspect fraud on my debit card?

If you believe there’s been a fraudulent charge on your debit card account, please call us at (402) 375-1130 during regular business hours, or at (800) 236-2442 during after hours.

How will I be contacted if there’s suspected fraud on my debit card?

With so many telemarketing calls and scams, we are glad our customers are cautious when receiving texts or emails regarding their bank debit card.  We want you to know that our Fraud Center will send you a text or email asking to confirm suspicious transaction(s) on your debit card. Responding to these messages as soon as possible helps avoid Visa service interruptions, or allows closure of the card ASAP if fraud is occurring.  If you have any questions about this, please call us at (402) 375-1130 during regular business hours, or at (800) 236-2442 during after hours.  We’re here to help you have a positive banking experience.

What is an Email Phishing Scam?

In brief, a ‘phishing’ email is one that pretends to be from a company or bank and which asks you, (for various reasons), to enter your account data, such as login details. These scams are often supported by fake spoof websites, and victims are tricked into thinking they are logging into a real website.  Phishing is a form of identity theft, where fraudsters steal your identity and personal information to gain access to your accounts or commit other crimes using your personal information.

How Did the Phishers Get My Info?

You may wonder how the scammers got your address or knew you were a member of a particular bank or institution. Often it is just good luck on the part of the scammers. They normally do not target individuals, but send out thousands of scam emails to randomly generated email addresses, in the hope that just a few will be successful. They also scan the web for valid addresses they can use, and swap this information with each other. If you have ever posted on an internet forum or published something on the web, there’s a good chance your address is out there somewhere just waiting to be found. If you have fallen victim before, your address is normally added to a list of ‘easy victims’, and you are likely to then receive even more scams.

What is Pharming?

Pharming (pronounced “farming”) is another form of online fraud, very similar to its cousin phishing. Pharmers rely upon the same bogus Web sites and theft of confidential information to perpetrate online scams, but are more difficult to detect in many ways because they are not reliant upon the victim accepting a “bait” message. Instead of relying completely on users clicking on an enticing link in fake email messages, pharming instead re-directs victims to the bogus Web site even if they type the right Web address of their bank or other online service into their Web browser.

What Should I do if I Receive a Scam Email?

If you do receive a scam email, you should not click on any of the links it contains or believe anything it says. Ideally you should delete it right away.

Personal Information Protection
  • Carry only necessary identification. Do not carry your Social Security card with you.
  • Make copies of all the information that you carry daily, such as credit cards, driver’s license, and insurance cards, and keep the copies in a secure place.
  • Be cautious when providing your Social Security number. Verify every time you provide it whether it is needed for the application or transaction.
  • Be cautious of telephone and door-to-door solicitations.
  • Never provide personal information unless you have initiated the contact and have confirmed the business or person’s identity.
  • Confirm all requests for sensitive personal, financial, or account information, particularly if they are made with an urgent or threatening tone.
  • Opt out of all pre-approved credit card offers by dialing 1-888-567-8688.
  • Don’t leave personal information in your car. It’s even more valuable than your stereo.
  • Shred unnecessary financial documents immediately. Shred unused instant credit offers, ensuring that they are properly shredded.
  • Eliminate as much paper as possible, and be cautious with the paper you receive, shred if you do not need to keep it for tax purposes.
  • Take steps to reduce the amount of mail you receive that displays personal information.
  • Collect your mail promptly. Use U.S. Postal Service mailboxes for outgoing mail when possible.
  • Monitor all of your banking and credit card accounts regularly.
  • Check your credit report annually.  One source is:
Password & PIN Best Practices
  • Choose passwords and personal identification numbers (PINs) that are difficult for others to guess.
  • Use a different password for each of your online accounts.
  • Do not share your IDs, passwords, or PINs with anyone.
  • Change your passwords often.
  • Try not to use personal information in your passwords or PINs. Passwords that contain information such as your name, date of birth, or telephone number are not as secure as more random information.
Email Protection
  • Question suspicious emails. State Nebraska Bank and Trust Company will never send you an email asking for your online ID or password.
  • If you receive an email that appears to be suspicious, do not reply to it or click on the link it provides. Simply delete it.
  • If you think you may have provided personal or account information in response to a fraudulent email or website, report the fraud immediately, change your passwords, and monitor your account activity frequently.
  • Avoid clicking on links provided in emails. It is always better to type the address into your browser.
  • Open email attachments only if you know the sender. It is best to scan attachments with your anti-virus software prior to opening.
  • Most computer files have filename extensions, such as “.doc” for documents or “.jpg” for images. Any file that appears to have a double extension, like  “openme.doc.pif” is extremely likely to be a dangerous file and should never be opened.
  • Never open email attachments that have file endings of .exe, .pif, or .vbs. These are file extensions for launching computer programs, and are commonly dangerous files.
  • Be careful and selective before providing your email address to a questionable website. Sharing your email address makes you more likely to receive fraudulent emails.
  • Confirm the validity of all requests for sensitive personal, financial, or account information, particularly if they are made with an urgent or threatening tone.
  • Confirm requests for personal or account information by going to the company’s website directly. Open a new browser window, type the Web address, and check to see if you must actually perform any activity that an email may be asking you to do, such as change a password.
Credit/Debit Card Best Practices
  • Never carry your credit/debit card personal identification number (PIN) with you.  Memorize it, or keep the number in a safe place at home.
  • Make copies of all the credit/debit card information that you carry daily and keep them in a secure place.
  • Review your monthly credit card and bank account statements thoroughly.  Investigate suspicious items immediately to head off any possible fraud before it occurs.
  • Report lost or stolen cards immediately.
  • Sign your card immediately.
  • Always be sure to retrieve both your card and receipt after every transaction.
  • Never lend anyone your card.
  • Keep all your receipts and statements in a safe place.
  • Only give your credit/debit card number over the phone if you have initiated the contact.
  • Review your account statements to be sure that the accurate amounts have been charged.