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Contact us immediately if you suspect someone has gained unauthorized access to your account. We will never call, text, or email requesting account information such as passwords, PINs, credit/debit card numbers or other confidential information.

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Types of Scams

Phone Scams 

Scammers will use phone calls to trick people into giving money or revealing personal information by pretending to be someone you trust.

Text Scams

Scammers will send an unsolicited text requesting your personal information or asking you to click a link.

Online Phishing Scams 

Scammers will send an email, appearing to be from a trustworthy source, requesting your personal information or asking you to click a link.

Mail Scams

Scammers will send unsolicited letters or checks, requesting that you send money or deposit a check.

Mobile Payment Services Scams

Scammers may try to trick you into sending them money through a mobile payment app.

Common Scam Tactics

Overpayment Tactic

Once scammers have access to your mobile device and online banking, they will transfer money from your savings account to your checking account, making you believe that you were overpaid. Scammers then instruct how to return the funds back using several methods such as: mobile payment apps, gift card purchases, wire transfers, mailing cash, etc.

IRS Agent Tactic

Scammers identify as federal agents and provide a badge number to convince you they are legitimate. They typically target victims during tax season. It becomes a red flag if they threaten to file a lawsuit against you if payment within a specific timeframe isn’t made or demand payment with a credit, debit, or gift card.

Fake Charity Tactic

After a great 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 to which you’re donating. Please don’t give money or personal information to an unknown caller.

Lottery Tactic

“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 Tactic

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 accurate. It’s a red flag if they demand payment immediately to settle your account. They may also require payment with a prepaid card, gift card, or money transfer and refuse to provide detailed information about the creditor or your account.

Social Security Tactic

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.

Tech Support Tactic

Never give control of your computer to anyone who contacts you. If you receive a call about a computer problem, hang up. If you suspect something is wrong with your computer or believe the scammer has gained access, bring it to a reputable company for a malware check.

Mystery Shopper Tactic

Scammers lure victims by posting ads for mystery shoppers on sites like craigslist. The scammers then send you a “legitimate check” with instructions to deposit it in your bank account, withdraw most of the money, and then wire it to someone else. Once the checks are discovered fake, the check becomes reversed, and you become responsible for the funds withdrawn.

Unexpected Check Tactic

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

Check out our blog for more information about scams.