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Common Scams and Fraud

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Common Scams and Fraud


Phishing Scams:

Phishing is an email scam used to steal your personal information. The email will claim to be from your bank or credit card company and may appear authentic. Be careful! Any email requesting personal information or asking you to verify account information is usually a scam. Do not respond to it and do not click on any link from the email.

Three common ways people get phished/scammed:

Text Message: Your bank will never ask you to sign in, or give personal info via a text message. Banks don’t ask that.

Email: Watch out for emails that ask you to click a link or provide personal information. Never access your online banking accounts through hyperlinks in e-mails, pop-up windows, or search engines.

Phone Calls: If you didn’t expect a call from the bank, it could be a scam. Don’t provide any personal info, just hang up and call the bank yourself.

How to spot a Phishing email scam

Fails to address you by name.

Requests for personal information. The email asks you to provide personal information such as your bank account number, an account password, credit card number, PIN number, mother’s maiden name, or social security number.

Instructs you to click on a link or call a phone number to update your account or even claim a prize.

Urgent appeals. The emails warns that your account will be shut down unless you reconfirm your financial information; or states you have been a victim of identity theft.

Obvious typos and other errors. These are often the mark of fraudulent emails and websites. Be on the lookout for typos or grammatical errors, awkward writing and poor visual design.

These are clear signs that someone is “phishing” for your information.

To find out more about scams and fraud visit

Debit Card Fraud

Debit card fraud is on the rise. In an attempt to minimize this type of activity, we strongly suggest that our customers do not use their bank debit cards online. The use of a debit card allows a fraudster instant access to the funds in your checking account.  Though websites claim they have various forms of security to protect you, some websites themselves are fraudulent.

Tips to keep your bank account safe from fraud:

Please respond immediately to requests for confirmation of suspicious attempts or transactions from our Fraud Department.

Be aware of ATM skimmers, gas pump skimmers and other related fraud devices.

Please keep the bank updated on current contact information.

Always carry an alternative method of payment with you, if there is fraud on your debit card, the card will have to be turned off.

Never share your PIN with anyone.

Monitor your account activity often.

Computer Hackers

Do not allow any party to remote into your computer and then proceed to login to your online banking. This gives the hacker instant access to all of your banking information.

Do not allow any party to remote into your computer and then proceed to login to any of your personal accounts (i.e. Paypal, Facebook, Quickbooks). This gives the hacker instant access to all of your personal information, often times, this personal information also includes your financial information.

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