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Your security is our top priority. We pride ourselves on taking every measure to protect your information and ensure your security – whether you’re doing business with us online, by phone or in one of our branches.
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Learn about the steps we take to protect you – and what you can do to protect yourself and your business.
Learn about current scams, frauds and security breaches so you can take steps to protect yourself.
Fraud and identity theft
Understanding the different ways fraudsters attempt to victimize people via cyber threats will help you avoid becoming a victim.
Your privacy always comes first. Understand how we use your information and the options for limiting the sharing of your information.
How we protect you
We value your business and the trust you have placed in us, and employ a variety of tools, techniques and processes to help protect you.
Your safety and security is our number one priority. Learn best practices to help guard against unauthorized use of your account and protect your identity.
If you believe you have experienced fraud or your personal information has been compromised, contact us immediately.
Safe online banking is important to you – and us. That’s why we developed this program to protect you and your money against online fraud and losses.
Protect your business
You've worked hard to build your business, and at Northrim we're committed to providing you with the tools and safeguards needed to protect it.
If you don’t want to hear from our affiliates, just let us know.
Learn about current scams, frauds and security breaches so you can take steps to protect yourself.
Business Wire Transfer Scam
June 13, 2017
Recently, there has been an increase in fraudulent wire transfer requests to businesses throughout the financial industry. In these scams, a business is asked to wire funds for invoice payment to a fraudulent account. Scammers have gotten increasingly talented at disguising these requests as legitimate charges to be paid and in some cases have been able to ‘high-jack’ phone numbers so that the requests appear to come from a phone number your business may have on record. If your business accepts wire transfer requests from customers or suppliers that are not present over the phone, via fax or email - it is important to consider the following:
Click here to learn more about how to reduce your technology risk and further protect your business.
Staying Safe from Tax Season Scams
February 17, 2017
Now that W-2’s are arriving, it’s time to consider how to stay safe from tax season scams. Every year, unfortunate taxpayers go to file their returns and are shocked to find that someone else has filed a fraudulent one in their name! Some innocent people also receive fraudulent phone calls from criminals impersonating tax officials. Sadly, tax fraud has only become more widespread and digital communication has opened new ways for it to happen.
While the Internal Revenue Service (IRS) reports on multiple tax-payer related scams, and even publishes a “Dirty Dozen” list, three scam variants are worth highlighting: Phishing and Malware Schemes; Identity Theft and Falsely Filed Tax Returns; and Impersonation Scams. Once criminals have your information, they can also continue to commit identity theft well beyond tax season. Here are some details on each of these scams, along with how to identify them and seek help in case of identity theft.
Phishing and Malware Schemes
The first type of scam often leads to identity theft and falsely filed tax returns, but may also result in you downloading malware. This happens when criminals send convincing phishing emails or direct you to convincing websites that appear to be IRS, state government, tax software, or financial institution websites. Their goal is to trick you into entering your login credentials, verifying sensitive personal information, or downloading malware.
Identity Theft and Falsely Filed Tax Returns
Once criminals have your personal information, they can use it to commit identity theft or file a false tax return in your name. In this case, if the criminal files the return before you do, they are getting your refund money and forcing you to go through the arduous process of proving that it was not you who filed the return. Criminals send phishing emails or make phone calls to trick you into providing your information so that they can commit this type of fraud.
Our final flavor of scam involves a criminal impersonating the IRS or a tax official, such as a tax advocacy panel or tax preparer. They may say you owe money to the IRS or your state tax department or may represent themselves as a trusted tax authority and request information. This contact can occur through websites, emails, or threatening calls or text messages that seem official. Sometimes, these scammers request that their victims pay by strange methods like gift cards or pre-paid credit cards.
If you do in fact owe tax money to the IRS, you will receive an official bill in the mail first before being contacted by phone or email. For a quick reference, the IRS states that these are four things they will never do:
Seeking help and reporting scams
The IRS encourages taxpayers to send suspicious emails related to tax fraud to its firstname.lastname@example.org email account. Other forms of tax fraud can be reported by following the instructions here.
If you suspect that you have been a victim of fraud or identity theft, please head to https://www.identitytheft.gov/. This is a site run by the Federal Trade Commission that provides a step-by-step recovery plan and assistance in taking action. It allows you to report if someone filed a return fraudulently in your name, if your information was exposed in a major data breach, and in case of many other types of fraud. If you believe you someone has used your social security number to fraudulently submit a tax return, you can also call the IRS at 800-908-4490.
We take the security of your accounts and confidential information very seriously and employ a variety of tools, techniques and processes to help protect you.
Northrim Bank uses the highest standards of encryption available to keep your sensitive information secure.
Strong sign-on requirements
Passwords must be at least six characters, and include a mix of letters, numbers or symbols.
Automatic log off
Northrim Online Banking automatically times out after 20 minutes of inactivity, logging the user out of their session.
Enhanced login security
We use enhanced login security with multifactor authentication as additional protection against fraud and identity theft.
We require one-time passcode retrieval before resetting forgotten login information.
Our employees are trained on our security policies and procedures and work diligently to protect the integrity of your information.
Users must enter a one-time passcode received on their phone when logging in to Online Banking from an unrecognized computer or mobile device.
Bad password lockout
We automatically lock out users after three bad password attempts. An email will be sent to the email address on file, notifying the user of the lockout.
Keeping your financial and personal information secure and confidential is our top priority, and we know how important safe online banking and personal security are to you. That’s why we developed the Northrim Online Banking Security Guarantee – a program designed to protect you and your money against online fraud and losses.
We guarantee that you will be covered 100% against any unauthorized transactions through our Online Banking service when you comply with your responsibilities outlined below.
To benefit from Northrim’s Online Banking Security Guarantee, you must:
Other Terms and Conditions
The Northrim Online Banking Security Guarantee applies to Personal Online Banking customers only.
This Online Banking Security Guarantee does not apply to:
All claims are subject to our investigation and verification. You must cooperate with our claims representatives and comply with our requests and procedures during the processing of your claim.
This guarantee supplements the terms of your Northrim Online Banking and Online Bill Pay agreement.
Understanding the different ways in which fraudsters attempt to victimize people via cyber threats will help you avoid becoming a victim. Stay informed on the latest fraud threats.
As internet fraud is on the rise, be sure you always practice safe web browsing techniques, and be cautious about offers received online and through email. If you believe you are a victim of fraud or the recipient of suspicious communication, please contact our Call Center immediately and visit our fraud reporting information.
Your safety and security is our number one priority. Below are best practices to help guard against unauthorized use of your account and protect your identity.
Computers, Mobile Devices and Email
Consider signing up for a credit monitoring service that notifies you when changes are posted to your credit report. This is one of the fastest ways to find out if someone has opened new accounts in your name.
To learn more about online security visit:
You've worked hard to build your business, and at Northrim we're committed to providing you with the tools and safeguards needed to protect it. Staying alert is the best way to help protect your business from information theft and payment fraud. We recommend taking the following steps to protect your business.
Online Banking & User Security
Computer and Email Security
More business protection tips can be found at the National Cyber Security Alliance's Stay Safe Online Business Center.
If you believe you have experienced fraud or your personal information has been compromised, please contact:
The Federal Trade Commission (FTC) also investigates consumer fraud through the Bureau of Consumer Protection. You can forward unsolicited commercial email (spam), including phishing messages, directly to the FTC at email@example.com.
Call Us: (907) 562-0062 or (800) 478-2265
Routing Number: 125200934
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