Fraud Detective

A service that monitors your transactions for potentially fraudulent activity.


With identity theft on the rise, The Stephenson National Bank & Trust is pleased to introduce Fraud Detective, an automated system to monitor your ATM/Debit Card transactions for potentially fraudulent activity. This service is automatically provided to SNBT customers free of charge!

 

We May Be Calling You!

If there is potential fraud, you’ll receive an automated phone call (will display as “Fraud Detection Center 877-253-8964”). Under no circumstances will you be asked for your account number or PIN! To ensure you can be reached, keep us informed of changes to your phone number(s), postal and email addresses. In addition, please notify us in advance of foreign travel.

If a call is received, enter your zip code and follow the instructions, answering “yes” or “no” to validate recent transactions. If the automated call reaches your answering machine, a message will be left containing a phone number and case code. If you do not return the call, future transactions may be declined. In the event of an unauthorized transaction, you will be transferred to a Call Center Analyst. Our goal, quite simply, is to protect you from fraud! 

 

Protect Yourself:

Monitor your account activity and contact us immediately if you identify any fraudulent transactions. We offer two free services to access your account information 24 hours a day:

For even more protection, including monitoring of your credit report, register for Security Plus.

Unless absolutely required for a legitimate purpose, avoid giving out your:

  • Address, zip code, and phone number
  • Date of birth
  • Social Security number
  • Card/account number or expiration date
  • NOTE: Your PIN is private; never give it out under any circumstances
In stores, restaurants, and at ATMs, always cover your card number and PIN. Watch for:

  • Cell phone cameras, mirrors, or other tools used to view cards and PINs
  • People watching you and your transactions
  • Cashiers taking your card out of sight; instead, take it to the register yourself
  • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM
Never respond to unsolicited emails that:

  • Ask you to verify your card or account number; such emails are not sent by legitimate businesses
  • Link to websites; sites can look legitimate but may collect data or put spyware on your computer

If you are EVER uncertain about the legitimacy of a phone call, hang up and call the bank immediately to verify.

 

How do you tell a real call from a fake call?

FAKE: Recently, customers have received fraudulent phone calls stating that their Debit Card or credit card has been suspended or closed. The message asked them to call back to reactivate their card. This is a scam. Do not to respond to any phone calls asking for card numbers, account numbers, PIN, or other personal information.

Unless absolutely required for a legitimate purpose, avoid giving out your:

  • Address, zip code, phone number, date of birth,
  • Social Security number, card/account numbers, or expiration date.
  • NOTE: Your PIN is private; never give it out under any circumstances! 

REAL: With the activation of SNBT's new Fraud Detective service, you may receive legitimate calls from "Fraud Detection Center" that alert you to suspicious activity. A call from SNBT will ONLY ask you to enter your zip code and ask about a specific transaction; under NO CIRCUMSTANCES will you be asked to provide your card number or PIN.