Recent events

-- Fraud attempts are increasing daily. Be aware and vigilant with your financial, password, and personal information. Do not share this information with unsolicited callers or emailers. The Bank and other financial institutions will not make unsolicited calls or send unsolicited emails asking for this information. --  
-- A company that processes card transactions for a number of Arizona businesses is warning of potential data breaches at some of their locations during the month of January 2019.  A list of the businesses potentially affected can be found at https://www.ncbpdataevent.comIf you visited any of these businesses in January or if you think you may have been otherwise affected by this security breach, please review your account statements and credit reports carefully.  If you see any suspicious activity, please report it to us immediately. For additional information, you may call North Country Business Products, the card processor, at 1-877-204-9537, Monday through Friday from 8 a.m. to 8 p.m. Central time. --
-- Please be aware that a spammer is calling using Federal Bank for Mohave State Bank mortgage rate changes...offer great rates. The number they are calling from is: 1–877-298-3341. This is not the Bank. Do not share personal or account information with unsolicited callers. --
Monitor your accounts regularly

Monitoring your credit card and account activity is the best way to help detect if you have been a victim of fraud. While State Bank of Arizona utilizes the Enfact system to monitor any suspicious activity, we urge you to detect fraud by following these steps:

We recommend frequently reviewing your account activity online to quickly detect fraud and identity theft. Learn more about monitoring your accounts through Online Banking and Bill Pay. Among some of the benefits of frequent account monitoring online are:
  • Over 50 percent of all identity fraud is first discovered by the victim.

  • The sooner fraud is detected, the lower the financial impact.

  • Customers who access their accounts online detect identity crime earlier than those who rely solely on mailed statements.

  • Customers who set up email alerts receive timely notification about important activity in their accounts, which can help identify fraud quickly.

  • Customers who choose to receive electronic statements instead of mailed statements reduce their risk of mail fraud.

Learn how to recognize fraud 

Below are some tips for recognizing whether you have possibly been a victim of identity theft:

  • If you find new accounts on your credit report that are not yours. A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. Please visit for more details.

  • If you did not receive an expected bill or statement by mail.

  • If unexpected charges occurred on your account.

  • If there are charges on your account from unrecognized vendors.

  • If posted checks appear on your account significantly out of sequence.

  • If you receive credit cards that you didn't apply for.

  • If you are denied credit or are offered less than favorable credit terms for no reason.

  • If you get calls from creditors or debt collectors regarding merchandise or services that you did not buy.

Check your credit report annually

A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months, from
Eligibility for an annual free credit report is determined by your state of residence based on the rollout schedule set by federal law. Please visit to see when a free credit report becomes available in your state.
The Federal Trade Commission (FTC), the nation's consumer protection agency, has information explaining your rights and how to order a free annual credit report. For more details from the FTC, click here!

Alert a Credit Bureau

If you suspect you might be a victim of identity theft, contact the three major credit bureaus listed below to place a fraud alert on your credit file. You also can order a credit report to identify any unauthorized activity.


Equifax: 1.800.525.6285

Experian: 1.888.397.3742

Trans Union: 1.800.680.7289 

Helpful Information

Practice "10 Tips to Protect from Identity Theft & Fraud" or read more about identity theft:


10 Tips to Protect From Identity Theft & Fraud

Fight Back Against Identity Theft


Have questions or need more help? If at any time you have questions regarding security, privacy, or possible fraud, please call us at (928) 855-0000 or fill out our contact us form.