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Frauds & Scams

Stay one step ahead of scammers.

The best defense against fraud is knowing what to look for.
 

Know the Warning Signs

Scammers often rely on urgency, fear, and confusion to get people to act without thinking. Watch for these common red flags:
 
  • Offers that seem too good to be true
  • Pressure to act immediately 
  • Requests to keep the conversation secret
  • Demands for payment by gift card, wire transfer, or cryptocurrency
  • Messages that create fear or a sense of urgency
  • Unexpected requests for personal or financial information
 

What to Do If You've Been Targeted

If you believe you've been targeted by a scam or experienced fraud:
  • Contact TruCommunity Bank immediately
  • Report unauthorized transactions as soon as possible
  • File a report with local law enforcement when appropriate
  • Report scams to the Federal Trade Commission (FTC)
  • Report internet-related fraud through the FBI's Internet Crime Complaint Center (IC3)

The sooner you act, the more options may be available to help protect your accounts and personal information.

Scammers steal checks from mailboxes, alter them, and use them to withdraw funds from your account.

Tips to Stay Safe:

  • Pick up mail as soon as possible after delivery
  • Take outgoing mail directly to the post office
  • Sign up for Informed Delivery at InformedDelivery.usps.com to preview incoming mail

Fake websites trick users into entering debit or credit card information for purchases that never arrive.

Tips to Stay Safe:

  • Double- and triple-check website URLs for accuracy
  • Watch for slight spelling changes in site addresses
  • Use secure payment methods when possible
  • Avoid storing card information on retail or delivery websites

Scammers pretend to be a grandchild (or someone acting on their behalf) claiming they need urgent financial help.

Tip to Stay Safe:

  • Hang up and contact your family member directly to confirm the situation

Scammers will target seniors in an effort to obtain financial information by claiming to be from an important institution such as a credit card company, Microsoft, Social Security Administration, Internal Revenue Service, phone company, power company, and so on. Never feel pressured to commit to anything over the phone.
  • Don’t rely upon caller ID to let you know who the call is coming from. Technology today allows for calls to be masked and appear to be from a number you know or can associate with, but it is not.
  • Never give out personal information to an unsolicited caller. Never provide birthday, social security number (even the last 4 digits), your mother’s maiden name, pet’s name, bank account information or anything that can be used as a password or identifying information.
  • Hang up and contact the company the caller claims to be with directly if you feel you need to talk to them. Refer to your copy of your phone bill, power bill, or the number on the back of your credit card or bank card to initiate contact.

Fraudsters pose as tech companies claiming your device has a problem and request access or personal information.

Tips to Stay Safe:

  • Do not call phone numbers from pop-ups or suspicious messages
  • Never share passwords or login credentials
  • Research any phone number before responding

Scammers build fake online relationships to gain trust and eventually ask for money.

Tips to Stay Safe:

  • Do not send money to someone you’ve only met online
  • Stop communication and report suspicious profiles
  • Notify the platform where you connected

Someone pretends to be a trusted entity—government official, business, or even a relative—to request money or information.

Tips to Stay Safe:

  • Verify claims using official contact information
  • Speak with a trusted person before acting
  • Be cautious of urgent or threatening messages

Fraudsters promise high returns with little or no risk to lure victims into fake investments.

Tips to Stay Safe:

  • Be cautious of “too good to be true” opportunities
  • Take time to research and verify investment claims
  • Never feel pressured to act quickly

Fake job opportunities are used to collect personal information or request upfront payments.

Tips to Stay Safe:

  • Never pay money to secure a job
  • Research employers and job postings carefully
  • Be wary of unsolicited job offers

Scammers are constantly changing their tactics, but one thing remains true: if something feels suspicious, pause before you act.

Verify requests independently, never share sensitive information with an unknown source, and contact us directly if you have questions. When it comes to protecting your information, a quick phone call can make all the difference.

Remember:

TruCommunity Bank will never ask for your password, PIN, verification code, or full debit card number by email, text message, or unsolicited phone call.

When in doubt, contact us directly.

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