Fraud Awareness

FRAUD AWARENESS

Keeping Your Information Secure

DON'T RELY ON CALLER ID

Caller ID is no longer a reliable method of identifying calls - even from us. If you receive a call asking for an online banking ID, password, account or debit card numbers, PINs, token/one-time codes, transaction history or other identifying information, hang up and call us back at 800.460.6634.

In some cases, we may call you if we notice suspicious debit card transactions, but we will provide you with the specific charges in question.

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PASSWORD SECURITY

Strong passwords are crucial for securing your banking accounts. To create a strong password, include a mixture of uppercase and lowercase letters, numbers and special characters. Using unique phrases is also effective. Try to avoid passwords shorter than 12 characters, common numbers, names or easily identifiable information.

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MULTI-FACTOR AUTHENTICATION

One of the easiest ways to protect yourself from fraud is to enable multi-factor authentication (MFA) on your electronic devices. Using this added layer of verification will creates and added layer of security. It also reduces the chance of unauthorized access and notifies you if there is a breach to your device.

BEWARE OF ONLINE CRIME

With the use of tools like AI, it is easier than ever for criminals to impersonate legitimate companies through emails, texts, calls and web searches. Email is most common, but a legitimate web search can easily lead you to a fraudulent site through a few simple clicks and open the door for web links, images, download buttons and widgets to gain access to your information.

SOFTWARE & ANTIVIRUS SECURITY

Running regular system and software updates is an easy way to protect your information. These strengthen performance and include security features as well. Installing antivirus software is another simple way to help prevent online fraud and cyber attacks. Set up automatic updates to ensure you are armed with the latest protection against viruses, malware and spyware.

Resource Center

Financial insights, helpful tools and more.

Cybersecurity Awareness

Cybersecurity is crucial for banking customers, including both individuals and businesses, as it helps to protect their sensitive financial information and...

Protect Your Online Accounts

n today's world, cybercriminal use several different methods and schemes to gain unauthorized access to your online accounts like your bank account, email account or social media account. Once they...

What is smishing?

Smishing is a type of cyber attack that uses text messages to trick individuals into providing sensitive information, such as login credentials or financial data. In a smishing attack, cybercriminals send...

Business Email Compromise

Business email compromise (BEC) is a type of cyber attack that targets individuals and businesses that perform wire transfers, including banking customers. In a BEC scam, cybercriminals...

Learn More About Fraud Prevention

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ID Theft

If you have been a victim of identity theft, you should take action immediately. The Federal Trade Commission has created a website dedicated to reporting identify theft. When you enter the details of your situation, you will be provided with a recovery plan and steps for putting it into action.

Visit IdentityTheft.gov for details or to submit a report.

ATM Safety

As with all financial transactions, please exercise discretion when using an ATM or night deposit facility.

• Prepare for your transactions in advance to minimize your time at the ATM or night deposit facility.

• Mark each transaction in your account record but not while at the ATM or night deposit facility. Compare your records with the account statements you receive. Always save your ATM receipts and don’t leave them at the ATM or night deposit facility because they may contain important account information.

• Don’t lend your debit card to anyone.

• Protect the secrecy of your Personal Identification Number (PIN) and your debit card as though it were cash. Don’t tell anyone your PIN or give anyone information regarding your debit card or PIN over the telephone. Don’t write your PIN where it can be discovered. For example, don’t keep a note with your PIN in your wallet or purse.

• Prevent others from seeing you enter your PIN by using your body to shield their view.

• If you lose your debit card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen.

• When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit. At night, be sure the facility (including the parking area and walkways) is well lit. Consider having someone accompany you when you use the facility, especially after sunset.

• If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, pocket your card and leave. You might consider using another ATM or coming back later.

• Inspect the ATM before use for possible tampering, or for the presence of an unauthorized attachment that could capture information from your debit card.

• Don’t accept assistance from anyone you don’t know when using an ATM or night deposit facility.

• Don’t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car or other secure surrounding.

• At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver’s window. Keep the engine running and remain alert to your surroundings.

• We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately.

Resources for Seniors

Today, consumers rely heavily on technology to manage their finances and take advantage of services available through online merchants. As we continue to accept and embrace new technology, our banking and shopping habits change. Naturally and unfortunately, so do the methods used by others to carry out their illegal activities.

Therefore, it is critical that we maintain awareness and the skills necessary to properly identify, understand and protect ourselves from fraud. We also believe it is important that our customers make informed, sensible decisions regarding their independence and lifestyle.

As a courtesy, we are providing web links to various resources. While some sites may focus on our seniors, there is sound advice for people of all ages.

Consumer Financial Protection Bureau

Resources to help protect older adults from fraud and financial exploitation.

ElderCare Services

Support for older adults and their families.

Colorado Department of Human Services

Services for older Coloradans to help ensure their well-being, dignity and choice.

Colorado Adult Protective Services

Services for the safety and protection of at-risk adults who live in our community.

Texas Health and Human Services

Services for older Texans to help ensure their well-being, dignity and choice.

Texas Department of Family and Protective Services (APS)