Safe Money, Smart Habits
Securing your finances is our top priority. At BSNB, you have layered account protection, real-time card controls, and a local team that knows you – and acts fast when something doesn’t look right. With 21 branch locations across the Capital Region, help is never far away.
Reporting Fraud
Suspect Fraud? Call Us.
If you suspect fraud on your BSNB account, contact us immediately at 518-885-6781 or visit your nearest branch. BSNB will never call, email, or text you asking for your online banking credentials, passwords, or PIN. Follow these steps if you suspect fraud.
- Turn off your debit card.
- Change your online banking password.
- Review your recent activity and flag any concerning or false transactions.
- Contact a credit bureau to set a fraud alert.
Online Banking Security
Protect Your Online Accounts
Strong security is a partnership. We protect your accounts with multiple layers of security – and a few smart habits on your end make that protection even stronger. Follow these simple rules.
- Never share your password or write it where it’s easily found.
- Change your password regularly and make it unique.
- Sign off after every online or mobile banking session.
- Set up login alerts so you’re notified of online activity.
MOBILE BANKING Protection
Bank Securely, Anywhere
More customers than ever enjoy the convenience of banking on a phone or tablet – and with the BSNB Mobile App, that convenience comes with built in protection. Follow these best practices to keep your information safe.
- Lock your phone or tablet with a passcode, PIN, or biometric login.
- Never store your banking password on your device.
- Avoid logging in over public Wi-Fi.
- Sign off and fully close the app when you’re finished.
card suite lite
Take Control of Your Debit Card
Card Suite Lite puts your BSNB debit card in the palm of your hand. Monitor transactions in real time, set spending controls, and instantly turn your card off if it’s ever lost or stolen – then turn it right back on when it’s found. It’s peace of mind, on your schedule.
Fraud Information
Your security is our top priority. We are here to help. Learn more about protecting yourself against scams and fraud.
Paycheck Protection Program (PPP) Scam Alert
There is a new scam targeting recipients of Paycheck Protection Program (PPP) Loans.
How the Scam Works:
- Scammers obtain publicly available contact information – including business names, addresses, loan amounts, funding dates, and the names of the financial institutions that issued the loans – from the Small Business Administration (SBA).
- They then call loan recipients posing as a bank employee to obtain their online banking credentials, claiming they are needed to stop a fraudulent transaction from processing to their accounts. This is a scam.
What to do:
- Be alert and DO NOT share any personal information or bank account information with anyone who contacts or alerts you unexpectedly.
- Remember, BSNB will never ask for your online banking credentials.
- If you receive an unsolicited communication that appears to be from BSNB and it requests confidential information, we recommend that you do not respond.
- If you think you may be a victim of a security scam or fraud, please contact or visit your closest BSNB branch or contact us directly at 518-885-6781 as soon as possible.
- Your security is our top priority. We are here to help. Learn more about protecting yourself against scams and fraud.
Microsoft Security Scam Alert
It has been brought to our attention that scammers are targeting BSNB customers, posing as bank representatives, aiming to steal your personal and bank account information.
How the Scam Works:
- A “Microsoft Security” message appears on your screen stating there is a virus on your computer.
- A letter, which appears to be from BSNB, pops up notifying you there was a recent security incident that may have impacted your accounts.
- The letter prompts you to call a “dedicated support line” to connect you to “John William.” This is a scam.
- Once you call this fake representative, they ask for details such as Social Security Number and Bank Account Number.
What to do:
- Be alert and DO NOT share any personal information or bank account information with anyone who contacts or alerts you unexpectedly.
- Remember, BSNB will never ask for sensitive or confidential personal or account information via phone calls, email, or text message.
- If you receive an unsolicited communication that appears to be from BSNB and it requests confidential information, we recommend that you do not respond.
- If you think you may be a victim of a security scam or fraud, please contact or visit your closest BSNB branch as soon as possible.
Click here tolearn more about the most recently reported scams.
Contact or visit your closest BSNB branch as soon as possible.
Other Links and Phone Numbers:
Has your bank card been lost or stolen?
- Call Customer Service (518) 885-6781
- Available Monday-Friday 8:00 am – 6:00 pm
- Saturday 9:00 am – 12:00 pm
- Non Business hours call: (800) 500-1044
If you have discovered fraud on your account, or your identity, during non-business hours, please use the resources above, and then reach out to your local branch as soon as normal business hours resume.
Federal Trade Commission | Report Fraud
Federal Trade Commission | Identity Theft
Phishing
The process of seeking to obtain personal information illegally through email or pop-up messages in order to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.
SMS Phishing or Smishing
This is the same process as Phishing but through the medium of text message or SMS.
It is the policy of BSNB not to request information that is confidential in nature regarding you or your accounts via normal email or text message. If you receive an unsolicited email or text message that appears to be from BSNB and it requests confidential information, we recommend that you do not respond. If you receive such an email or text message, please contact your BSNB representative.
Protecting Your Computer
BSNB and our Online Banking service provider employ multiple levels of security to protect your account information and transactions. There are additional methods that you can use as well:
Keep anti-virus software current. Scan for viruses on a weekly basis, at a minimum.
Keep your operating system and your Internet browser updated with new releases and the most recent version. These updates and patches will provide increased security. You may use any browser that supports the SSL (Secure Socket Layer) protocol. Most popular browsers support this security feature.
Do not open email and attachments that are of unknown origin as this is often the source of virus and worm infections.
Do not click on hyperlinks within websites or email unless you are familiar with the source and sure that it is legitimate. Hyperlinks are often used as a method to download malicious software on your computer.
Protecting Your Information from Identity Theft
It is the policy of BSNB not to request information that is confidential in nature regarding you or your accounts via normal email or text message. If you receive an unsolicited email or text message that appears to be from BSNB and it requests confidential information, we recommend that you do not respond. If you receive such an email or text message, please contact your BSNB representative.
To reinforce our commitment to online fraud prevention, we’ve also introduced an easy-to-use Security Toolkit and Online Security Glossary designed to help you understand Online Banking security, your general computer safety, and more.
We’ve enhanced the security of your BSNB accounts. Effective 8/4/2025, multi-factor authentication (MFA) will be required to log into your online banking account and access certain features. MFA provides an additional layer of security, helping reduce the risk of unauthorized access to your account.
Setting Up Multifactor Authentication
- Sign in to online banking using your username and password.
- We will send a one-time security code to an email address you have on file with us.
- After receiving the security code, enter it into online banking to finish signing in and setting up your MFA.
Never share your password with others.
To enable MFA via text message:
- After setting up email MFA, sign in to online banking using a desktop computer or the web browser on your mobile device (the text alert setup process cannot be completed using the BSNB Mobile App).
- Navigate to Services & Settings > Security Code Delivery
- Select: Enroll to receive text alerts. (Note: If you do not have a cell phone number on file, you will need to update your contact information by navigating to Your Name > Contact Information (located near the log-out button)
- Follow the remaining steps as prompted to complete your text alert enrollment.
More customers than ever are turning to the convenience of banking on a mobile device. Some mobile best practices include:
- Never share your password or store it on a mobile device.
- Download a security solution for your device that will work with your operating system to protect against viruses and malware.
- When you log into Mobile Banking, be aware of the people around you. Even if you are speaking on your phone, be careful not to give account numbers or other personal information within earshot of others.
- Monitor your accounts. Check balances and items that are presented on a regular basis. This will help to spot any suspicious activity.
- Don’t access banking or shopping applications using private credentials while connected through public Wi-Fi connections.
- Establish and maintain a security password or PIN to unlock your phone or tablet.
- Don’t ‘jailbreak’ or ‘root’ your phone. These processes bypass the built-in security features of the manufacturer.
Using Text Banking
Text banking is the quick and easy way to get account information. Text banking gives you access to your accounts via text (SMS) messages on your phone. Send us a text for the information you need and receive balance and transaction information within seconds. When utilizing text banking, be aware of the following safety tip:
Frequently delete text messages received from us on your mobile device.
Accessing the Mobile Website
The mobile website provides convenient access to your accounts from your mobile web browser. If you can access the internet, you’ll be able to use BSNB’s mobile website. When you use the mobile website for online banking, you should take the following steps before sharing your mobile phone with others or before sending it in for repair/maintenance:
- Clear the browsing history.
- Clear cache and temporary files stored in the memory as they may contain your account numbers and other sensitive information.
Using Our Mobile App
BSNB’s mobile app is available for Apple iPhone and Android products. When downloading and using the mobile app, be aware of the following for your safety:
- Only download the app from the iTunes App Store or the Google Play Store.
- Sign Off and completely close out of the app when you are finished using it.
If You Lose Your Phone
If you change your mobile number or lose your mobile device, immediately log onto online banking through a PC or tablet to disable Mobile Banking for the mobile device. Change your sign on information to Online Banking and notify us immediately to alert us to the loss.
We Are Here to Help.
Have a question about accounts, loans, digital banking, or the right next step?
Our team is ready to help you get where you need to go.
Frequently Asked Questions
No. BSNB will never ask for your online banking credentials, password, or PIN by phone, email, or text message. If someone claiming to be from BSNB asks for this information, do not respond – hang up or delete the message, and call us directly at 518-885-6781.
Turn your card off instantly in the Card Suite Lite app, then call 518-885-6781 to report it. You can also visit any BSNB branch during business hours and we’ll take care of it with you.
A legitimate BSNB communication will never ask for your password, PIN, or full account credentials. If a message pressures you to act immediately, click a link, or verify confidential information, treat it as a scam. When in doubt, contact us directly at 518-885-6781 – we’re always happy to confirm.
Phishing is a scam that uses fake emails or pop-up messages to trick you into revealing sensitive information such as account numbers, Social Security numbers, or passwords. Avoid it by never clicking unexpected links, never opening attachments from unknown senders, and never sharing confidential information with anyone who contacts you unsolicited.
Enhanced Login Security is a free BSNB service that verifies both your password and the device you’re signing in from. If you log in from an unrecognized computer, you’ll answer additional verification questions that only you would know – extra protection against unauthorized access.
Multi-factor authentication (MFA) will be required to log into your online banking account and access certain features. MFA provides an additional layer of security, helping reduce the risk of unauthorized access to your account.
Setting up MFA:
- Sign in to online banking using your username and password.
- We will send a one-time security code to an email address you have on file with us.
- After receiving the security code, enter it into online banking to finish signing in and setting up your MFA.
To enable MFA via text message:
- Sign in to online banking.
- After setting up email MFA, sign in to online banking using a desktop computer or the web browser on your mobile device (the text alert setup process cannot be completed using the BSNB Mobile App).
- Navigate to Services & Settings > Security Code Delivery.
- Select: Enroll to receive text alerts.
- Follow the remaining steps as prompted to complete your text alert enrollment.
- Note: If you do not have a cell phone number on file, you will need to update your contact information by navigating to Your Name > Contact Information (located near the log-out button).
