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Tips to keep your account safe

Scammers are sneaky - but you're smarter. This quick guide will help you stay ahead of fraud and know what to do if something doesn't feel right. We've got your back. 


Spotting imposters

Scammers often pretend to be someone you trust - like a government agency, your bank, or even a family member. If you get an unexpected request for personal information or money, pause and verify. 

Here's what to watch for:
  • Unexpected requests: If someone contacts you claiming to be from a trusted organization, reach out to that organization directly using their official contact info. 
  • Caller ID tricks: Scammers can fake caller ID to look like they're calling from a known number. If something feels off, don't share personal info or send money. 

Watch out for social media and text scams

Scammers are increasingly using text messages, social media and mobile apps like WhatsApp. 

Stay safe: 
  • We'll never ask for personal or payment info through social media or WhatsApp.
  • Don't click suspicious links or reply to unknown numbers. 
Remember: We do send some reminders by text, but we'll never ask for personal information or payment details, like bank or credit card info, by text. 


Quick payment scams

Scammers want your money - and they'll use tricks to get it. 

Be cautious with how you pay:
  • Avoid gift cards or prepaid debit cards - they're untraceable. 
  • No upfront payments: If it sounds too good to be true, it probably is. Be wary of anyone asking for money in advance for things like debt relief, loan modifications, job offers or prizes. 

Scams targeting seniors

Scams targeting seniors are on the rise as this population of homeowners grows. These scams use tactics that play on trust, urgency and create confusion. Examples include:
  • Tech support scams: Pop-ups or calls claiming a computer virus
  • Investment fraud: "Too good to be true" offers
  • Family emergency scams: Scammers pretend to be a grandchild or relative in trouble 
  • Romance scams: Fake relationship built online to gain trust and money 

Research and monitor

Now that you know what types of scams to look out for, it's important to know how to keep an eye on your accounts too. 
  • Research first: When you are looking to make a purchase, check into companies or products first. Look up reviews and check with your friends to be sure you are dealing with a reputable company. 
  • Monitor your credit: You can get a free credit report from each of the three major credit bureaus once a year at AnnualCreditReport.com or by calling 1-877-322-8228. Review your report each year to verify there are not unauthorized lines of credit. 
  • Unusual financial activity: Keep an eye on your bank and credit card statements for unexpected purchases or withdrawals, and to see that your payments are applied as expected. If you see anything suspicious, contact your financial institution immediately. 
  • Keep your contact info updated: If we notice any suspicious activity on your account, we may need to get in contact with you. Be sure your phone number, email and mailing address are current so we can reach you. 

Report Fraud

Think you've been scammed? Report it right away.  Your report helps stop fraud and protect others.