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Scams

It’s important to be aware of the scams that exist so you can keep your information safe. To help keep you in the know, we’ll periodically update this page with the types of scams we’re currently seeing and hearing about. 

Phone Scams

If you receive a phone call with claims of prizes won or other offers that sound too good to be true or something about the call just doesn't feel right, hang up and never provide your personal information, bank account information, or money. Here are other common phone scams to lookout for.

IRS Agent Scams

Scammers may identify themselves as federal agents and provide a badge number to convince you they're legitimate. They'll typically target victims during tax season. Now with the current circumstances surrounding the COVID-19 crisis, they're targeting victims for their economic impact payment (stimulus check). It's a red flag if they threaten to file a lawsuit against you if you don't make a payment within a specific timeframe, or demand payment with a credit, debit, or gift card.

Coronavirus Scams

In the recent months, scammers have been preying on the public's fear and vulnerability of COVID-19 to pitch work-at-home schemes and to sell testing kits, treatments, and other high demand essentials such as household cleaning and medical supplies.

Fake Charity Scams

After a major tragedy or natural disaster, scammers will attempt to exploit people's generosity and willingness to support a good cause. Do your research and know the organization where you're donating. Please don't give money or personal information to an unknown caller.

Lottery Scams

"Congratulations, you've won $1,000! Press 1 now to claim your prize." With this type of phone scam, you may be asked to pay fees or taxes to claim your prize or provide a bank account number to collect your winnings. Beware... it's most likely a scam. You shouldn't have to pay money to receive a prize.

Debt Collection Scams

Scammers may pressure you to pay off a debt that doesn’t exist and that you don't owe. They even may have enough information to convince you the debt is real. It's a red flag if they demand payment immediately to settle your account. They may also require payment to be made with a prepaid card, gift card, or money transfer and refuse to provide detailed information about the creditor or your account.

Social Security/Insurance/Health Care Scams

Scammers may disguise themselves as government employees to take advantage of seniors. The caller may claim an issue with the benefits or social security number and pressure them to act quickly to prevent disruption of their benefits. It's never a good idea to give out your personal information like your Social Security Number over the phone.  

Text Message Scams

These types of scams occur when you receive a text message that appears to be from us. The text message may ask you to review your current Debit Card activity. They will then ask for account information including Online Banking login information. This text message is not from us. Remember, we will never ask for your Online Banking User ID or Password. If you receive a suspicious text message or call, please contact us immediately.

Phishing Scams

A phishing scam is an online fraudulent attempt criminals use to steal your personal information such as your PIN, social security number, credit card numbers, and bank account information. This type of scam usually appears in emails, pop-up, or text messages. The scammers try to lure you in by disguising themselves as a legitimate business and bait you into providing your personal information. Don’t get hooked by these deceptive schemes.

Check Scams

Common versions of check scams will include a check along with a letter instructing you to deposit a check you receive in the mail and then immediately transfer some of the money to someone else. Days after the deposit is made and the money is transferred, you find out the check was counterfeit and now you're responsible for the amount withdrawn. Here are some common check scams to watch out for.

Mystery Shopper Scam

People are lured in by ads posted for mystery shoppers on sites like Craigslist. You respond to a website ad that leads you to believe that you've been hired as a mystery shopper to evaluate the services of a money transfer company. You're then sent a check that appears to be from a legitimate company and instructed to deposit the check in your bank account, withdraw most of the money, and then wire it to someone else. You're told to keep a few hundred dollars as payment. Once the checks are discovered to be fake, your deposit is reversed, and you're  responsible for the funds withdrawn.

Unexpected Check Scam

A check with the name of a real company and real account and routing numbers may arrive with no instructions or additional information. After you deposit it into your account, it's discovered to be fraudulent. Most financial institutions will require you to return any amounts disbursed if the check bounces, plus pay additional fees.

 

To learn more about scams and ways to protect yourself from them, be sure to check out our Security blogs.