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Fraud

Protect yourself and your finances.

Remember!

We will NEVER ask for your Online Banking Password, debit card PIN or any Secure Access Code. Please do not give this information out to anyone, whether online, by email, by phone, by text, or in person. When in doubt, check with VeraBank and we can help determine if it is a scam or a phishing attempt.

Fight Fraud

Certain personal information can allow thieves to open credit cards, apply for loans and services, set up bank accounts, and even access and take over your accounts. Knowing what fraudsters are capable of, learning how to protect yourself, and implementing what you learn is the easiest and smartest way to protect your finances.

Protect Yourself

Watch for unsolicited calls, emails, texts, and mail. Regardless of whether they call, email or approach you personally, do not give your personal information to people you don’t know or did not contact yourself. If you are unsure of the company or individual reaching out, end the conversation and call the company or individual back on a number you know belongs to them. Remember to never use a call back number provided to you by the caller.

Best Practices for Preventing Fraud

There are many types of fraud and therefore many ways to protect yourself. Here is a good place to start:

Check your credit report annually.
Consider opting out of pre-screened offers.
Watch for phishing scams that trick you into providing personal information.
NEVER give your social security number to someone who contacts you unsolicited.
Lock up documents with sensitive information. Don’t carry them around unnecessarily.
Shred expired documents with personal information (medical records, tax papers, etc.).
Limit what you post on social media (i.e. – don’t share travel memories until you’re home).

Looking for more information on fraud? We’ve got you covered!

Learn More

Real-Life Examples

We’re committed to keeping you informed about fraud. The following are real-world examples of fraud attempts targeting VeraBank customers. (Customers names have been changed to protect their identity.)

Example #1 – A VeraBank customer, “John,” received a fake text from someone pretending to be “VeraBank,” asking him to verify a charge.

The fraudster provided a link for “John” to confirm or dispute the charge. If “John” had clicked the link and entered personal information (such as his username or password), he would have received a text with a Secure Access Code (SAC) because the fraudster attempted to log in from an unrecognized device. The fraudster would then ask “John” for the code. Their goal? To lock “John” out of his account, take control of his online banking, and transfer funds.

Thankfully, “John” recognized the warning signs and did not click on the link.

IMPORTANT: VeraBank will NEVER contact you via text message asking for sensitive information. If you receive a text message from someone claiming to be from VeraBank, do not share passcodes, PINs, account numbers, social security numbers, or other info. If you are suspicious, do not reply; instead, call us using the number on verabank.com, via email or chat.

REMEMBER: Don’t click any links that you’re unsure about its contents!

Example #2 – VeraBank customer “Susan” received a call that appeared on her caller ID as “Citizens National Bank,” the former name of VeraBank, with our correct customer service number.

The caller wanted to confirm two ACH transactions on Susan’s account and proceeded to ask for her VeraBank username. Wisely, Susan immediately ended the call.

Had Susan shared her online banking username, the caller likely would have attempted a password reset, requested Susan’s SAC, and set a new password. The fraudster’s objective was to lock Susan out of her account, gain control of her online banking, and transfer funds out of her account.

REMEMBER: Always trust your instincts!

Example #3 – Our fraud team identified a check fraud scheme involving fraudsters using stolen identities to submit fraudulent tax returns resulting in the IRS generating refund checks.

With tax season upon us, stay alert! File your taxes in a timely manner, monitor your credit and you can even request an Identity Protection PIN (IP PIN) from the IRS to add an extra layer of security when filing your return. Unfortunately, many people don’t realize they are victims of tax refund fraud until they attempt to file and are notified by the IRS that a return has already been processed.

REMEMBER: Stay alert!

IMPORTANT: Being aware and knowledgeable of the latest fraud tactics are both key components in preventing fraud.

NEW … Fraud Alerts. Learn about some of the most common scams that have been reported to the Federal Trade Commission (FTC) over the last couple of years. Use this information to help protect you and your family and friends from scams that can steal your money and/or your identification.

Sweepstakes or Contest Scams

Ever gotten a text, email, or call claiming you're the "lucky winner" of a grand prize or giveaway? Chances are, it's fraud.

Here's what to look for to avoid these scams.

Imposter Scams

Who's actually on the line, anyway? Fraudulent calls from the "IRS" are common and can be costly.

Follow these tips to avoid impersonators.

Auto Service Contract/Extended Warranty Scams

"We're calling to inform you that your vehicle's extended warranty is about to expire, and we can help you extend it." ... Sound familiar? It could be fraud.

Read this before deciding to buy an auto service contract or warranty.

Learn how to spot extended warranty scammers.