Someone Says They’re From Your Bank. Now What?
A call or text about suspicious activity can get your attention quickly—especially when it appears to come from your bank. That sense of urgency is exactly what scammers count on.
They may know your name, use a familiar phone number or claim they need to “verify” your account. Some may even say they are trying to stop fraud. But a convincing message does not mean it is legitimate.
Pause Before Responding
Do not let the caller rush you. A legitimate concern can still be handled after you take a moment to verify who is contacting you.
Be cautious if someone asks you to:
- Share your Online Banking login, PIN or verification code
- Provide your full account or debit card number
- Click a link to confirm your information
- Move money to another account for “protection”
- Stay on the phone while completing a transaction
Caller ID can be changed to make a call appear to come from a trusted business, including your bank.
Verify the Request Yourself
End the call or text conversation. Then contact River Bank & Trust using a number you already know is correct, such as your local office number or the number listed on our website.
Do not use a phone number or link provided in the unexpected message. Reaching out independently gives you a safer way to confirm whether there is a real issue with your account.
Protect Your Information
River Bank & Trust will never contact you to ask for your Online Banking login information, PIN or one-time verification code. Never share this information with anyone who contacts you unexpectedly.
You can also add another layer of protection by:
Turning on email and text account alerts
Reviewing your transactions regularly
Using Multi-Factor Authentication for Online Banking
Setting up near real-time debit card alerts through Manage Cards
Something Doesn’t Feel Right?
Trust that feeling. Stop the conversation and contact us directly. It is always better to take a few extra minutes to verify a request than to act under pressure.
Think you may have shared information or sent money to a scammer? Visit Fraud Help for steps to take right away.