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The following links are educational tools which will help you to better understand how to protect yourself from these threats.

Common Consumer Financial Scams
Relative in need
Someone who pretends to be a family member or friend calls or e-mails you to say they are in trouble and need you to wire money right away.
Charity appeals
You get a call or letter from someone asking for money for a fake charity-either the charity does not exist or the charity did not call or write to you.
Lottery or sweepstakes
You get a call or e-mail that you have a chance to win a lot of money through a foreign country’s sweepstakes or lottery. The caller will offer tips about how to win if you pay a fee or buy something. Or the caller or e-mail says you already have won and you must give your bank account information or pay a fee to collect your winnings.
Home improvement
Scammers take money for repairs then they never return to do the work or they do bad work. Sometimes they break something to create more work or they say that things need work when they don’t.
Free lunch
Scammers invite you to a free lunch and seminar, and then pressure you to give them information about your money, and to invest the money with them. They offer you “tips” or “guaranteed returns.”
Free trip
Scammers say you’ve won a free trip but they ask for a credit card number or advance cash to hold the reservation.
Government money
You get a call or letter that seems to be from a government agency. Scammers say that if you give a credit card number or send a money order, you can apply for government help with housing, home repairs, utilities, or taxes.
Drug plans
Scammers pretend they are with Medicare prescription drug plans, and try to sell Medicare discount drug cards that are not valid. Companies and Medicare drug plans are not allowed to send unsolicited mail, emails, or phone calls.
Identity theft
Scammers steal personal information – such as a name, date of birth, Social Security number, account number, and mother’s maiden name – and use the information to open credit cards or get a mortgage in someone else’s name.
Fake “official” mail
Scammers send letters or e-mails that look like they are from a legitimate bank, business, or agency to try to get your personal information or bank account number.

Table provided by ©Gettechnical Inc. For more information about common fraud scams, visit the Federal Bureau of Investigation’s website at this link:

Protect Your Identity

  • Never respond to unsolicited requests for your social security number (SSN) or financial data. We will never call you and ask for your account number, social security number or other personal information. However, if you call us, we may request this information to verify your identity.
  • Before discarding, shred credit card, ATM receipts and any pre-approved credit offers you have received, but don't plan to use.
  • Check all credit card and bank statements for accuracy.
  • Avoid easy to figure out access and personal ID (PIN) codes.
  • Obtain a copy of your credit report yearly and check it for accuracy.
  • Use only secure sites when making online purchases. Secure pages begin with "https."
  • Pay for online purchases by credit card to assure you get what you paid for and to limit your liability.
  • Safeguard your SSN, and check Earnings and Benefit statements annually for fraudulent use.
If You Become A Victim
If you find you have become a victim of identity theft, immediately take the following actions: File a police report.
  • Contact your banker or click on the email us link at the top of this page. 
  • Notify all of those with whom you have a financial relationship.
  • Tag accounts closed due to fraud. "Closed at consumers request."
  • Notify credit bureau fraud units.
  • Establish a password for telephone inquiries on credit card accounts.
  • Place a fraud alert statement on your credit report.
  • Request bi-monthly copies of your credit report until your case is resolved.
  • Report check theft to check verification companies.
  • Check post office for unauthorized change of address requests.
  • Follow-up contacts with letters and keep copies of all correspondence.