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Watch for Spoofed Texts and Emails

Updated March 8, 2021

Scammers continue to take advantage of unsuspecting victims in a variety of ways. 

We recently saw a rise in spoofed texts and calls that appear to be coming from our phone number but are actually scammers trying to trick you into giving up user IDs, passwords and account information. Once the scammers have access to your accounts with your credentials, they can steal your money.  

Please understand: We will never ask you to identify yourself with your online password or user ID! If anyone asks for that information, hang up or do not respond to that text. Instead, call us directly at (800) 246-2415.

As our valued customers, we want to help you protect your money and your identity, especially in these already stressful times. Please contact us right away if you suspect fraud on any of your Saratoga National Bank accounts. You can also find more fraud prevention tips below.

Be Aware of Common Scams

Here are some common scams that we’ve noticed and trends reported by the American Bankers Association and government agencies.

  • Spoofed numbers. Scammers contact you by text message or call from what appears to be a bank phone number. Then they pressure you to give up your password and account information. From there, they can access your money and attempt to transfer it out of your account. Do not rely on the caller saying they are from the bank. Instead call the bank number that you have on file or that is listed on their official website. 
  • Bank/FDIC Scams. Fraudsters claim they work for your bank and that there are security or access issues. Because of this, they need your bank account number and other information immediately. 
  • Unemployment scams. Imposters file false unemployment claims using other people’s personal information. In some cases, they are having the unemployment funds deposited into the correct person's account then asking that person to transfer the money to them by posing as a friend or government agency. 
  • Relationship scams. This happens when people you otherwise don’t know strike up a relationship online through a dating site or social media. Once trust is established, they ask for money or personal information, including bank accounts and Social Security number.
  • Stimulus check or economic relief scams. Federal agencies do not request donations from the general public. They will not speed up relief money or give grants to anyone in exchange for a fee or a charge of any kind.

Ways to Protect Yourself

Here are tactics to avoid becoming a victim of fraud during or after the COVID-19 pandemic.

  • Do not give out your personal information, including banking information or Social Security number to anyone you have not contacted yourself at a published number. Your financial institution will never ask for passwords or logon IDs.
  • Use caution with all links and attachments; hover over links before clicking to see where they go.
  • Watch for spoofed emails meant to look like official organizations such as the CDC or World Health Organization, but which actually contain malware.
  • Research charities before making a donation. Be wary of any organization asking for donations in cash, by wire transfer or gift card.
  • Keep your computers and mobile devices up to date. Defend against viruses, malware and other online threats by keeping your security software, web browser and operating system updated. Turn on automatic updates so you get the newest fixes right away.
  • Trust your instincts. If something seems suspicious or causes you to question, stop your interactions with that person or website right away.

How to Report Fraud

To protect yourself and others, use these resources to report fraud. If you suspect fraud on any of your Saratoga National Bank accounts, contact us right away. File a police report if you have lost money.

For more information, visit the Federal Trade Commission's dedicated page.