Security and Fraud Protection
Defend What Matters Most
Protecting your personal information is one of our top priorities. Here is your go-to resource for information and best practices to stop fraud before it happens.
Online Security Resources
We are committed to providing you with the tools you need to keep your information safe and secure.
Debit Card Safety
Cybersecurity
Mobile Banking Safety
EMV Chip Technology
Positive Pay
Protection at Every Stage
Rest easier with identity protection services powered by Cyberscout, a TransUnion brand, at no cost to you.
Resolving medical fraud
Limiting damages from compromised data
Spotting if a child’s identity has been stolen
Replacing important documents
Fighting tax fraud
– Satisfied Customer
Your Debit Card Watchdog
If we identify a potentially fraudulent transaction, our analysts will contact you to either confirm or deny the transaction through several channels:
Email: You’ll get an email from “EnFact Notifications” providing you with details on how to resolve the case.
Voice Call: You’ll get a call from the “Fraud Detection Center.” Follow the prompts to verify the transaction and begin resolution.
Text: If you enrolled in text fraud alerts, you will receive a text from “Commerce Bank of Wyoming Fraud Alerts.”
Fraud Protection Service Details
Commerce Bank of Wyoming understands that your identity is your most valuable asset. That’s why we’re proud to provide you and your family members with identity protection services powered by Cyberscout, a TransUnion brand, at no additional cost. Rest assured knowing that you’ll always receive the identity theft protection you and your family need.
Identity thieves steal mail, skim credit cards, hack into ATMs, and rummage through garbage in the search for their next victim. In the blink of an eye, criminals misuse bits and pieces of your personal information to obtain fraudulent credit and make unauthorized purchases.
Throughout our lives, our identity can be exposed, but Cyberscout is here to help. A few services that are available to you as a customer of Commerce Bank of Wyoming are:
Personal
Get help:
- Resolving medical fraud
- Limiting damages from stolen or compromised data after home, boat, or RV break-ins
- Preventing criminals from using your good name for employment
Family
Get guidance for:
- Spotting if a child’s identity has been stolen
- Power of attorney or legal guardianship questions for elderly family members
Get help:
- Replacing important documents after a disaster
- Placing active-duty fraud alerts for military service individuals
Financial
Get help:
- Fighting tax fraud to clear your name and secure your refund
- Resolving unauthorized account activity or account takeover
- Responding quickly and effectively to data breach alerts
- Technology
Get guidance for:
- Avoiding phishing scams and protecting your passwords and data
- Detecting and recovering from email hacking
- Managing your identity and privacy online and through social media
If you think you’ve been the victim of identity theft, please call us immediately. We’ll put you in touch with a fraud specialist at Cyberscout’s Resource Center. There is no added cost to you for these services, no matter how often you talk to a fraud specialist. These fraud specialists determine your best course of action, cut through the red tape, and do most of the heavy lifting — so you don’t have to struggle on your own.
Note: Identity protection services are available to a spouse and/or immediate family members under 26 years old who live in the household.
Our fraud detection software monitors debit card purchases to spot unusual activity. If something suspicious is detected, we’ll notify you via:
- Email: You’ll get a fraud notice from “EnFact Notifications” with transaction details and resolution steps.
- Voice Call: You might get a call from the “Fraud Detection Center” to verify the transaction. Our Call Center will only ask for your Zip code and confirm transactions with a “yes” or “no.” If you confirm a transaction is fraudulent, you will be transferred to an agent, who will ask questions to confirm your identity before going through the transaction history. If at any point you are uncertain about questions being asked or the call itself, you should hang up and call us directly.
- Text: Enrolled users will receive a text from 20733 and identified as “Commerce Bank of Wyoming Fraud Alerts.” Valid notifications include transaction details and ask for a simple “yes,” “no,” “help,” or “stop” reply. Respond promptly to help resolve issues and lift any card restrictions.
When contacted by the bank, you’ll never be asked for your PIN, CVV codes, or expiration dates. A legitimate fraud alert will NEVER contain:
- Clickable links
- Vague merchant references
- Requests for card details
It is extremely important that we have your current contact information on file. Your quick replies help the system learn your behaviors and will prevent future delays or card restrictions. Also, don’t forget to notify us about your travel plans so we can make sure your transactions run smoothly while you’re away.
If you have questions, need debit card support, or need to dispute a charge, please contact the branch nearest you.
If you need after-hours debit card support, please call our Card Care Center at 833.467.4294. When calling our Card Care Center, you may be asked to provide your full card number and PIN.
Last updated: March 2, 2021
Commerce Bank of Wyoming, a branch of NebraskaLand Bank, is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to Commerce Bank of Wyoming website, commercebankwyoming.com, and governs data collection and usage. This Statement includes all “Services” which inclusively refers to www.commercebankwyoming.com (the “Website”), Applications we have placed on third party sites such as Facebook®, Twitter® and other social media sites, and our mobile applications (“Applications”). This Statement also explains how we collect, use, and share information based on users’ interactions with online advertisements, both on the Services and on online interfaces owned by third parties. This Statement does not govern our privacy practices offline or with respect to information that is not provided or collected through the Services. This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally identifiable information’ (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website. By using commercebankwyoming.com, you consent to the data practices described in this statement.
Collection of your Personal Information
As a visitor to commercebankwyoming.com, Commerce Bank of Wyoming does not collect personally identifiable information (PII), such as your email address, name, address, telephone number or Social Security number when you visit this website unless you choose to provide that information to us.
Location information is information that may be collected by certain mobile applications that identifies your physical location. This information may be collected from your mobile device’s location-aware features when you request certain services that are dependent on your physical location.
We may collect information regarding your mobile device such as device settings, unique device identifiers, information about your location, and analytical information that may assist with diagnostics and performance. For your convenience, you may be asked to grant permission for access to your mobile device’s geolocation data. This information may be collected when you use certain services that are dependent on your mobile device’s location (such as the location of an ATM or in store transaction.)
Children’s Privacy
Commerce Bank of Wyoming does not knowingly market products or services to or collect personal information from individuals under the age of thirteen. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the Federal Trade Commission’s website at www.ftc.gov.
Use of Cookies
Commerce Bank of Wyoming website uses “cookies” to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page.
You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of commercebankwyoming.com website when you visit.
Commerce Bank of Wyoming uses Google Analytics, including Google Analytics Demographics and Interest Reporting to collect information about website users. This data helps us make informed website improvements and make the website more useful to you. The types of information collected may include the date and time of your visit; the website pages that you view; the address of the website you came from prior to your visit to commercebankwyoming.com; and your age, gender and interests (as indicated by Google). Using Google Ad Settings you may opt out of Analytics for Display Advertising and customize Google Display Network ads. You may also use Google Analytics’ currently available opt-outs for the web.
Commerce Bank of Wyoming uses Google AdWords and Remarketing, which relies on the Google Display Network to improve the relevance of online advertisements to website visitors where those websites display advertisements from the Google Display Network.
For additional details on Google’s own Privacy Policy, please visit https://policies.google.com/privacy?hl=en.
Social Media Websites
In order to best communicate and engage with the users of commercebankwyoming.com, Commerce Bank of Wyoming maintains accounts on third-party websites such as popular social media channels. Information about you and your activity on those sites is governed by the third-party website’s security and privacy policies.
Revisions and Updates to Policy
Due to the nature of this Policy and the Internet, Commerce Bank of Wyoming reserves the right to make updates to this statement. Commerce Bank of Wyoming encourages you to periodically review this Policy to be informed of how your information is being protected. The most recent revision date will be posted on the Policy.
Contact Information
Commerce Bank of Wyoming
1575 Dewar Drive, Suite 100
Rock Springs, Wyoming 82902
Phone: 307.362.4455
Email: contact_us@cbwyo.com
To ensure that our customers have the highest level of security available, we require the use of a “strong encryption” (256-bit) browser.
Browser Check
Ensure that your browser is secure with the BrowserCheck by Verisign.
256-Bit Encryption Download Instructions
Note that the time required for downloading a browser installation file may vary depending on your connection speed. For additional assistance, please contact your Internet Service Provider. If you access the web from a corporate network, we recommend that you contact your network administrator before downloading a new browser.
Note: We do NOT recommend the use of beta browser versions. Supported browsers for Online Banking include Internet Explorer 11, Microsoft Edge, Mozilla Firefox, Safari 7.0, Safari 8.0, and Google Chrome 42 and above.
For questions on our Online Banking Program or the System & Security Requirements, contact us.
Security Blog Posts
July 31, 2024
