Security Center

We encourage all clients to read our Privacy Statement.

At Chain Bridge Bank, N.A. we recognize the importance of security when it comes to online banking. In keeping with our mission to deliver exceptional banking services through advanced technology, we have implemented various security measures aimed at safeguarding your sensitive financial information.

Chain Bridge Bank, N.A. and its service providers may use various tracking technologies, such as cookies, web beacons, local shared objects, and other similar technologies, for purposes including fraud prevention, advertising and marketing campaign performance monitoring, and enhancing user experience. These technologies may collect information about your device characteristics and settings when you access our online services.

Types of Tracking Technologies

1. Cookies: Small data files stored on your device that help track your areas of interest and enable personalization of our services. Most web browsers allow you to adjust settings to decline or delete cookies, but this may impact your experience with our online services.
2. Clear GIFs, pixel tags, or web beacons: Typically one-pixel, transparent images used on our website and in digital communications to recognize users, assess traffic patterns, and measure engagement.
3. Local shared objects (e.g., flash cookies): Data files that may be stored on your device using media players or other software, which operate similarly to cookies but may not be managed in the same way by your browser.

IP Address Collection

Your Internet service provider (automatically assigns a unique Internet Protocol (IP) address to your device, which is logged by our servers whenever you visit our website. We may use IP addresses to calculate usage levels, diagnose server problems, personalize your experience, and for compliance, security, and advertising purposes.

Your Rights and Choices

Most browsers provide the ability to block, delete, or disable these technologies. However, please note that rejecting cookies or similar technologies may limit the availability or functionality of some of our services. For assistance with changing your settings, please consult your mobile device help pages.

 

Disclaimer

While we employ these technologies to improve our services and protect against fraud, Chain Bridge Bank, N.A. is not responsible for any damages or losses resulting from their use or any unauthorized access to your information. By using our online services, you acknowledge and agree to the use of these tracking technologies in accordance with our Privacy Policy.

For more information about how we collect, use, and protect your data, please see our Privacy Statement.

Wire fraud schemes targeting commercial clients and mortgage borrowers are a trend in financial services. We understand that fraud tactics like stealing email addresses and providing fraudulent instructions can lead to financial loss.

Chain Bridge Bank, N.A. has implemented various security measures designed to help detect and prevent fraudulent wire transfers. However, preventing wire fraud is a shared responsibility between the bank and our clients. We encourage clients to remain vigilant and to implement their own best practices to mitigate the risk of falling victim to wire fraud schemes. Some steps that clients can consider taking include:

• • Verifying wire instructions received by email by calling a trusted, previously verified phone number.
  • Using secure email and communication channels when possible.
  • Exercising caution when dealing with unsolicited or suspicious wire requests.
  • Implementing dual controls within their organization that require authorization from multiple parties.
  • Regularly monitoring and reconciling their accounts to identify any unauthorized transactions promptly.

If you believe you may be the victim of wire fraud, contact Chain Bridge Bank, N.A. immediately so we can attempt to recover funds.  However, please be aware that in many cases it may not be possible to recover fraudulently wired funds.

For more information, please review our mortgage and commercial notices regarding wire fraud prevention that each client signs. If you have any questions or concerns, don't hesitate to reach out to your banking officer or relationship manager.

Business Email Compromise is a theft scheme that involves hackers stealing email addresses and sending fraudulent wire instructions to businesses. In these cases, fraudsters may impersonate high-level executives or business owners through stolen or spoofed email addresses and send fraudulent wire instructions to unsuspecting employees. As a prospective or current commercial banking client, we want to raise your awareness of the tactics fraudsters use and share steps you can take to minimize your risk of becoming a victim of commercial banking fraud. 

Characteristics of Wire Fraud Emails

Be cautious of emails that:

• Appear to come from a high-level executive or owner of the business.
• Use email domains that closely resemble legitimate company email addresses.
• Convey a sense of urgency for the wire transfer.
• Reference unavailability for verbal confirmation or last-minute changes to original instructions.

Recommended Steps to Prevent Wire Fraud

Before processing any wire requests based on emailed instructions, we recommend that clients:

1. Verify the request by calling the sender using a phone number on file or obtained from an independent source, such as the company's official website. Do not use phone numbers provided in the email request.
2. Implement two-factor authentication for fund transfers and require secondary approval from another company employee for any changes in vendor payment location.
3. Contact the wire department of the originating bank to confirm the legitimacy of the request.

 

What to Do if You Suspect Wire Fraud

If you believe you may be a victim of wire fraud:

1. Contact Chain Bridge Bank, N.A. immediately at 703-748-2005.
2. Notify your local FBI office.
3. File a complaint with the Internet Crime Complaint Center at IC3.gov.

Please understand that while Chain Bridge Bank, N.A. will make every effort to assist in the recovery of fraudulently transferred funds, the chances of successfully reversing a wire transfer are often low.

Disclaimer

Chain Bridge Bank, N.A. provides this information as a courtesy to its clients and prospective clients. However, we are not responsible for any losses incurred due to wire fraud or other fraudulent activities. It is the responsibility of the account holder to implement appropriate security measures and exercise due diligence when processing wire transfers.

For more information on how to protect your business from wire fraud and other financial crimes, please contact your Chain Bridge Bank, N.A. relationship manager.

Stealing email addresses and sending fraudulent wire instructions to homebuyers and those refinancing their mortgages is a common fraud tactic. Chain Bridge Bank, N.A. wants to help you understand the tactics these fraudsters use and provide you with steps to reduce the risk of becoming a victim. Please be aware that if you wire funds to a fraudulent party, the chances of recovering the money are low.

Common Characteristics of Wire Fraud Emails

Clients should be wary of emails that:

• Use email domains that are similar or identical to legitimate email addresses.
• Create a sense of urgency around the wire transfer.
• Mention unavailability for verbal confirmation or last-minute changes to previous instructions.

Steps to Take Before Sending a Wire

Prior to sending any wire transfers to a real estate agent, lender, title company, attorney, or lender make sure to:

1. Verify the ABA/routing number, swift code, and account number provided.
2. Call the person requesting the wire using a phone number you have on file or one obtained from a trusted third-party source, such as the company's official website or your real estate agent. Do not use phone numbers provided in the email request.
3. Contact the wire department of the bank initiating the wire transfer to confirm the request.

 

What to Do if You Suspect Wire Fraud

If you believe you have fallen victim to wire fraud:

1. Immediately contact Chain Bridge Bank, N.A. at 703-748-2005.
2. Notify your local FBI office.
3. File a complaint with the Internet Crime Complaint Center at IC3.gov.

 

While Chain Bridge Bank, N.A. is committed to helping its clients prevent and respond to wire fraud, please understand that we are not liable for any losses incurred as a result of fraudulent wire transfers. It is the responsibility of the client to verify the authenticity of wire instructions and take appropriate precautions.

For more information about protecting yourself from mortgage wire fraud and other financial scams, please contact your Chain Bridge Bank, N.A. mortgage officer.

 

Disclaimer

The information provided in this section is for educational purposes only and does not constitute legal, financial, or professional advice. Chain Bridge Bank, N.A. is not responsible for any losses, damages, or other consequences resulting from reliance on this information. Clients are encouraged to seek guidance from qualified professionals and to exercise due diligence when engaging in financial transactions.