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Resolving Fraud

We’re here if you need us.

Being victimized by fraud is frustrating and can be life-changing. We take this very seriously. First and foremost, we want to protect you from fraud. If it happens, we want to help you in resolving it.

Phishing email

To report a suspicious email that uses American Bank’s name, forward it to us immediately at We will review the information and will take any necessary steps to research the email.

What can you do if identity theft happens to you?

Make us aware immediately. We will close any compromised accounts the second we are notified.

Next, we recommend you contact all three major credit bureaus:

They will place an alert on your credit file. A report will be generated to identify any unauthorized activity. Ask each bureau for a credit report to check for fraudulent activities. All creditors will be asked to contact you prior to opening any new accounts (due to the fraud alert going into effect). The second any one of the credit bureau confirms your fraud alert, the other two will be notified automatically. There will be no charge to you for the credit reports.

Here are some more things to do:

You should also file a complaint with the Federal Trade Commission (FTC). The FTC maintains a database of identity theft cases used by law enforcement for their investigations. Filing a complaint assists the FTC in collecting additional information about identity theft and the problems victims are having.  To learn more about fighting identity theft and reporting fraud, visit the Federal Trade Commission website.

Visit, a website developed by the Federal Trade Commission, for additional information.  It is a helpful resource to make it easier for victims to report and recover from identity theft.  The website provides an interactive checklist that walks you through the recovery process and helps you understand which recovery steps should be taken upon learning that your identity has been stolen.  It also provides sample letters, specialized tips for specific forms of identity theft, and advice if you have been notified that your personal information was exposed in a data breach. 

When your data is compromised… what’s next?

We constantly monitor ATM, debit and credit accounts to look for any non-typical activity on your account, ever mindful of attempted fraud. If and when we suspect that an account might be at risk for fraud, American Bank proactively closes your card account and give you a new card. Why do we issue you a new card?

Depending upon the type of card you have, the notification process for a data compromise will vary.

Personal Credit Cards

We will contact you primarily by letter informing you that we are taking a proactive approach to protecting your account by closing your old credit card and reissuing a new credit card account.  Following the initial letter, you will receive your new card with new account number and, in some instances, a new expiration date.

In most instances, you will be able to continue to use your old card until the new card arrives.  We will continue to monitor your account during the time until you receive your new card and contact you immediately if we detect suspicious transactions.

Upon receipt of the new credit card, it is important to activate your new card immediately.  You can activate your new card by following the instructions on the front of the card. 

Report Fraud


Suspicious Online Transactions


Suspicious Debit Card & ATM Card Transactions


Report ID Theft

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