ID Theft Resources

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Secure Checking provides protection with IDProtect. IDProtect provides Credit Monitoring, Total Identity Monitoring, 3-in-1 Credit Report, Credit Score, Fully Managed Identity Theft Resolution, Identity Information Management Program, Identity Theft Recovery Case Plan, up to $10,000 Identity Fraud Expense Reimbursement Coverage, Debit & Credit Card Registration and Online Identity Theft News Center and Valuable Phone and Web Resources for only $8.00 per month with paper statements or $5.00 per month with eStatements.

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Detect fraud early with Notify Me!

Notify Me is a new feature to Online Banking. You can elect to receive email alerts for: Withdrawals over a certain amount, Deposits over a certain amount, Balance above or below a certain amount, Check number(s) have cleared, Notification of secure messages received in Online Banking. You can use Notify Me to alert you to any suspicious activity on your account. The sooner you detect fraud and alert the bank, the better. To activate this FREE service, go to the User Services page in Online Banking.


Regulators are warning investors to be wary of get-rich schemes and sites that promise guaranteed returns on investments because those sites are seeking to garner private information from users in order to commit large-scale frauds. Of primary concern is phishing, a scheme in which Internet users are directed to Web sites mimicking legitimate businesses in order to garner Social Security numbers, phone numbers, addresses, and other information.

Scammers are particularly prone to taking advantage of opportune moments, such as when Royal Bank Financial Group failed to send out automatic pay deposits to its customers. Consumers of the bank received emails requesting information in order to keep their account open and active, and the emails were similar to those sent out by the real firm. Please DO NOT provide personal information online via unsecure email and other means without first contacting the financial institution. Messages sent using CNB's Online Banking are secure. CNB employees will never ask you for your PIN or passcode.

Be safer with Online Banking

Compared to writing checks, our Online Banking Billpay is a much safer way to pay your bills. 90% of cyber crime and identity theft occurs through traditional offline channels such as mail boxes and trash cans. Sending a check through the mail is actually less secure than using Online Billpay. Click here to learn more about our Online Banking and Billpay products.

Consumer Reports Identity Theft Alert

Mailbox flags invite ID thieves. When you raise the flag on your mailbox, you may also be alerting thieves that your personal information is there for the taking. Crooks running check-washing operations steal your bill payments, erase the ink with chemicals, then clean out your accounts by writing out checks to themselves. Instead of raising the red flag - take your mail to the post office or better yet, start using Commercial National Bank's free Online BillPayer.

Customer Story

"(A collection agency) is currently collecting on an account which was opened as a result of fraud. I have sent (the collection agency) 2 letters, and a copy of a Police Report, Fraud Affidavit, and proof that the account can in NO WAY BE MINE (the account was for an apartment which I never lived at, and I sent copies of my drivers license and bank statements as proof that I have never lived there... Continued »

ID Theft Clearinghouse

The Identity Theft Data Clearinghouse is the federal government's database for tracking identity theft complaints. It was created pursuant to the Identity Theft and Assumption Deterrence Act of 1998, and began operation on November 1, 1999. The FTC established the Identity Theft Toll-Free Hotline at 1-877-IDTHEFT (438-4338) and the ID Theft Web site to give identity theft victims a central place in the federal government to report their problems and receive helpful information. Complaints received from victims of identity theft via the hotline or online complaint form are entered into the Data Clearinghouse.

Internet Transactions

After completing a purchase or customer registration at an Internet merchant site, you may receive an email directing you to update your card information with the merchant. The message appears to be sent by the merchant, however, it is actually sent by a fraud site. The fraud site email requests information including card number, expiration date, PIN, name and address. Once this information is given, the fraud site can manufacture a card and use the PIN for withdrawals and PIN purchases.

PLEASE REMEMBER: A reputable merchant will NEVER ask you to provide passwords, debit/credit card numbers, PIN's or any other sensitive information through regular email. Under no circumstance should you provide your card PIN (Personal Identification Number) to anyone. That number is for you the cardholder and is not be written down or shared with anyone.

Are you a victim of identity theft?

Your credit card bill just arrived in the mail and you notice a $500 charge for a lawnmower from a home improvement store in Delaware. Wait a don't have a new lawnmower and you certainly don't live in Delaware! It's identity theft. Quick! What do you do next?

Call the creditor to notify them of the fraud right away. The creditor should reverse the fraudulent charges and lock your account. You should have photocopies of your credit cards and credit contact numbers stored in a safe place just for this kind of emergency. Be sure to record the times, dates and names of the people you contact in a log for future reference

Your next step is to contact the credit reporting agencies to report the crime and request that a 90-day fraud alert is placed on your credit report. You only need to contact one of the three bureaus to have fraud alerts placed on all three of your credit reports. Contact information for the credit bureaus: ' Equifax: 800-525-6285 ' Experian: 888-EXPERIAN (397-3742) ' TransUnion: 800-680-7289 This 90-day alert will notify creditors that you may be a victim of fraud and advise them to verify your identity before opening any new accounts. This alert also entitles you to a free credit report from each bureau for your review. Fraud resolution experts with the credit reporting agencies can also help you check your credit data for other signs of identity theft and can help you restore your account security. Don't forget to record the results of your contacts in your identity theft log.

Now go to the FTC's Web site ( and fill out an ID theft affidavit. Once you complete this worksheet, you can use it to report fraud to creditors and can keep it in your records for future reference.

Identity Theft...

is the fastest growing crime in America;
9.9 MILLION victims were reported last year,
according to a Federal Trade Commission survey!

What is Identity Theft?
The Better Business Bureau defines identity theft as occurring "... when someone uses your name, Social Security number, credit card number or some other piece of your personal information to apply for a credit card, make unauthorized purchases, gain access to your bank accounts or obtain loans under your name." Some people believe that identity theft is a crime that only happens to others. But are you vulnerable? To find out, take this quick quiz, courtesy of the Privacy Rights Clearinghouse.

Victims of identity theft don't normally know they've been victimized until:

  • They are contacted by a collection agency over past due accounts they never knew they had;
  • Significant charges show up on a credit card bill for purchases they never made;
  • A lender tries to repossess a car they didn't know they owned;
  • They are contacted by the police after a crime is committed in their name.

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