Protect Your Account From Fraud Defend What Matters Most
Find out how to protect your accounts, what to do if you suspect fraud, and how Commerce Bank of Wyoming monitors and responds to suspicious activity on your behalf.
Fraud Protection for Peace of Mind
From debit card monitoring to business fraud controls, discover the tools and programs Commerce Bank of Wyoming uses to keep your money and information secure.
Debit Card Safety
Cybersecurity
Mobile Banking Safety
EMV Chip Technology
Positive Pay
Identity Theft Protection Through Cyberscout
Commerce Bank of Wyoming customers have access to identity theft protection services powered by Cyberscout, a TransUnion brand, at no cost to you. If your identity is compromised, Cyberscout specialists can help you respond quickly and limit the damage.
Resolving medical fraud and fraudulent accounts opened in your name
Limiting damages from compromised personal data
Identifying and addressing child identity theft
Replacing important documents such as passports, Social Security cards, and driver's licenses
Fighting fraudulent tax filings made in your name
Assistance with additional fraud and identity recovery needs
– Satisfied Customer
Keeping Your Debit Card Safe
Our fraud monitoring system reviews debit card transactions around the clock. If a transaction looks suspicious, our analysts will reach out through one of the channels below to confirm or deny the charge. Respond promptly; early action limits your exposure.
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.
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.
Frequently Asked Questions
Stop all contact with the suspected scammer immediately. Do not send money, share account numbers, or provide any personal information. Call Commerce Bank of Wyoming directly to flag your account; the sooner we know, the faster we can act. You can also report the scam to the FTC at ReportFraud.ftc.gov.
Call us directly or visit our branch in Rock Springs as soon as you notice something suspicious. For debit card fraud specifically, contact us immediately so we can place a hold on the card and begin an investigation. Do not wait; early reporting significantly limits your exposure.
Contact Commerce Bank of Wyoming immediately to deactivate the card and request a replacement. Check your recent transactions for any unauthorized charges and report them when you call. If you have online banking access, you may also be able to lock your card while you arrange a replacement.
Act quickly. Change your online banking password immediately and enable two-step verification if you have not already done so. Call us to alert us so we can monitor your account for unusual activity. If you shared a Social Security number or financial account details, consider placing a fraud alert or credit freeze through the three major credit bureaus, Equifax, Experian, and TransUnion.
Reimbursement depends on the type of fraud, when it was reported, and the circumstances involved. Federal regulations provide certain protections for unauthorized electronic transactions, the sooner you report, the stronger your position. Contact us as soon as you identify an unauthorized charge so we can review your account and explain your options.
Identity theft protection through Cyberscout is available to Commerce Bank of Wyoming customers at no cost. If you believe your identity has been compromised, contact us and we can connect you with the right support. Cyberscout specialists can help you respond to the situation, limit further damage, and work through the recovery process.
