If you notice any unauthorized transactions or suspect fraud, reach out to us immediately to report this at 765-236-0600.

Holiday Fraud Scams

Shipment Updates
Watch for a text or email asks you to click a link regarding a package. If you didn’t order anything, this is a scam, and the message should be deleted. If you did order something, always check with the merchant rather than clicking a potentially harmful link.
Secret Shopper
Watch out for requests to be a secret shopper and purchase gift cards. Fraudsters will ask you to visit a business, report its hospitality and buy gift cards to send to them. Please be mindful that anyone asking for gift cards or money in return is a scam.
Charitable Giving
Be mindful of ‘look-a-like’ charities that pressure you into sending money. A real charity would never pressure you to send donations and can tell you how your money would be used. A quick internet search can help you verify if a charity is legitimate.
Online Shopping
Check holiday deal ads that link to a new website. Verify you are truly on the correct website and do some research to see if there are any reviews before putting sensitive information online. To be extra safe, consider not saving your payment information during checkout.
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The latest scams we're seeing

Howard County Sheriff’s Office Impersonation
The Howard County Sheriff’s Office has been receiving complaints about a male that has been calling people on the phone posing as a deputy from the Howard County Sheriff’s Office. This person has been using real names of current deputies during these interactions. The individual has been requesting payment over the phone for things such as fines and fees, bonds on warrants, and fines associated with missing jury duty, etc. The Howard County Sheriff's Office will not and does not contact people over the phone requesting payments for anything.
'Account Closed' Alert Texts
A scam text message to customers stating that their account has been closed and they need to call a number or click a link to verify. Please note that the bank will never text you about your account. Please contact the bank immediately if you have given out information or have additional questions.
'Debit Card Locked' Alert Texts
Alert text reading, “(Call 8285169712 Now ! XXX#) #Debit-Card Locked Alert Account-ID:XXX-XXX-XXXX!”. Scammers will then ask for your date of birth, social security number, address, and other personal information. Remember, banks don’t ask that. Please refrain from responding to these messages.
Peer-to-peer fraud involving spam text messages
There is an increase in peer-to-peer fraud involving spam text messages, usually beginning with an 8 (i.e., 8XX-XXX-XXXX). This gives the impression that it’s from a toll-free number. When called, there is an automated recording requesting payment information. Please refrain from giving out personal information in this fashion.
Phone Number Spoofing
Spoofing is making the Caller ID appear as the bank. If the call seems suspicious, do not give out your information and simply hang up and contact your banker directly. Dialing the bank's number will always lead you directly to our local Call Center team for assistance.
Check Theft
Check fraud is largely affecting individuals and small businesses. We would like to encourage our customers to be mindful when sending checks in the mail, as criminals steal paper checks out of mailboxes, alter them to their benefit, and cash them in. Tips for preventing check fraud: 1. Take checks directly to your post office to mail. 2. Use e-check, ACH payments, or other electronic forms of payment. 3. Regularly review your bank activity and statements for errors. 4. Do not leave mail in your mailbox overnight or while on vacation.
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Common scams to be aware of

Fraudsters will target people looking for loans online. To get the loan process started, they will request account information to ‘make a deposit on your behalf’ or mail you a check for deposit. They will then request this money back, leaving you responsible for when the check is returned. 

Signs of a scam:
      • The loan company asks for unusual information such as your online bank information or access to your computer.
      • The loan company asks for money back from you.
      • You found the loan through an online or social media ad (while it's possible the ad was legitimate, always use extra caution when considering a digital loan ad).
What to do:
  • Always verify a company before releasing personal information.
  • Be skeptical, ask questions, research independently, and trust your banker.

Someone posing as a company (usually Amazon, Microsoft, Norton Antivirus, or Best Buy Geek Squad) will state you owe them money and attempt to gain access to your computer.  Once access is gained, they will use your computer to make it appear as if they've given you a refund and overpaid you, and request the difference back. Fraudsters will push to have money wired to an account to ‘pay back’ the money they are owed or insist you send them gift cards.

Signs of a scam:
      • The person is suddenly interested in your finances or sending/receiving money.
      • You are asked to buy gift cards. Legitimate companies will not ask for gift card payments.
      • You are told not to tell anyone or to not tell the bank what you're doing.
      • They have requested access to your computer or bank information.
      • You do not use the service/product this person is saying that you do.
      • You are asked to click suspicious links or download programs on your computer.

Online Dating Scams Infographic

Has an online love interest asked you for money? That's a scam. In the past five years, people have reported losing a staggering $1.3 billion to romance scams, more than any other FTC fraud category. The numbers have skyrocketed in recent years – reported losses hit a record $547 million in 2021. That’s more than six times the reported losses in 2017 and a nearly 80% increase compared to 2020. 

Signs of a scam:
  • Professes love quickly
  • Claims to be overseas for business or military service
  • Claims to be a successful investor (especially in cryptocurrency) who offers investment advice
  • Asks for money, and lures you off the dating site
  • Claims to need money — for emergencies, hospital bills, or travel
  • Plans to visit, but can't because of an emergency
  • Many people report being contacted on online dating apps, but reports of unexpected private messages on social media are also common.
What to do:
  1. Slow down — and talk to someone you trust. Don't let a scammer rush you.
  2. Never wire money from your bank account, buy gift cards, send cryptocurrency, or wire money to an online love interest. You won't get it back.
  3. Contact your bank right away if you think you've sent money to a scammer.
  4. Report your experience to the online dating site and to the FederalTrade Commission:


Source: Information originally published from the FTC and ABA Foundation

Phishing is when criminals send emails attempting to get you to reveal personal or financial information or usernames and passwords.

Business Email Compromise is when a criminal pretends to be a CEO or company president.  They will use this fake email to get users to wire money or pay false invoices to false accounts.


Vishing is when criminals use text messages to send fake information or try to get you to click on a malicious link. Criminals can also spoof caller ID to get you to believe you are receiving a phone call from a trusted source.

Tips to avoid these scams:
  • Don’t answer unknown numbers and don’t trust caller ID. Scammers typically don’t leave messages.
  • Don’t provide any personal information, usernames, or passwords over the phone.
  • Your bank or credit card company will not call and ask for your full social security number, passwords or card numbers over the phone.
  • If a caller is urgent about you sending or transferring money, this is a sign that you could be dealing with a criminal.
  • If an email is too good to be true, it could well be a phishing scam.
  • You can use Google to search for similar emails or scams.

Malware and ransomware are malicious software that can be installed on your computer to steal information (such as usernames and passwords, your browser history or files on your computer), encrypt files and demand money to unlock them or corrupt your files or operating system. 

Tips to avoid these scams:
  • Keep your operating system up to date! Install those automatic updates when they are available and go ahead and do that reboot (do this for cell phones and tablets as well).
  • Keep your software up to date. Update your browser software, your antimalware software, and all third-party software (like Adobe) on your devices.
  • Use a reputable antivirus/antimalware software and keep it up to date. If you receive a notification that your subscription has expired, you are no longer protected.
  • Only install apps on your cell phone and tablets from the official app store (for both Apple and Android devices).
  • Don’t click on links you are not expecting in email or open attachments from unknown sources or that you are not expecting.
  • Always keep important information backed up via cloud storage or an external drive.

Security tips for peace of mind

ATM and Debit Cards are a great way to provide access to your money 24/7.  Criminals would love to use your cards to access your money as well.  Here are some tips to help keep your cards safe.

  • Memorize your PIN number (don’t write on your card or share it with anyone).
  • Check all ATMs or Gas Station pay at the pump for any signs of tampering.
    • ATM or pay at the pump skimmers are devices that are inserted by criminals on legitimate devices. They are used to steal your card information and your PIN.
    • Report any signs of tampering to branch management staff.
  • Always check your surroundings when you approach an ATM to make sure there is no one suspicious lingering around.
    • If you feel uncomfortable, do not complete your transaction and report to branch management staff.
  • Regularly review your account. If you notice any unauthorized transactions, reach out to us immediately to report this at 765-236-0600.

Think of passwords as one of the layers of defense to protect your valuables (your accounts).  The better your password, the better your defense.  Here are some good practices when it comes to passwords:

  • Passwords should be unique to every application or site you use.
  • Once a password is required to be changed, never use it again.
  • The longer the password, the better. Aim for passwords to be at least 15 characters long.
  • Don’t use passwords that are easily guessed (birthdays, names or your social security number).
  • Sprinkle in capital letters, numbers and special characters.
  • Utilize a password safe to keep track of all of your passwords (and most can tell you about the overall health of your passwords).
  • Only use a trusted device to access your online accounts.  Don't use public computers.
  • Be mindful of potential phishing scams.
  • Always choose a strong password and don't reuse passwords.
  • Use multi-factor authentication when you can. CFB offers MFA for our online banking products.
  • Make sure your wireless connection is safe.
  • Make sure your online banking sites utilize encryption on their sites.
  • If you feel that your account may have been compromised, please call 765-236-0600 to discuss options related to your account.

Click here to watch our webinar recording about the importance of Cyber Insurance for business and nonprofit organizations. 

If you need to file a complaint or report identity theft, please utilize these external sites:

Internet Crime Complaint

The IC3 accepts online internet crime complaints.

Identity Theft can help you report and recover from identity theft.

If you notice any unauthorized transactions or suspect fraud, reach out to us immediately to report this at 765-236-0600.