Security Tips: How to Protect Yourself from Bank Scams and Phishing Attempts

Scammers are becoming more sophisticated, and bank customers are increasingly being targeted through fake emails, text messages, and phone calls. At First State Bank of St. Charles, protecting your personal and financial information is a top priority. This security alert explains how common banking scams work, the warning signs to watch for, and what you should do if you suspect fraud.

Common Bank Account Security Threats Targeting Customers

Fraudsters often impersonate trusted financial institutions to trick customers into sharing sensitive information to access financial accounts. These scams may come in several forms:

Phishing Emails

Emails that appear to come from your bank asking you to “verify” account details, reset passwords, or review suspicious activity.

Smishing (Text Message Scams)

Text messages claiming urgent account issues that include links directing you to fake websites.

Vishing (Phone Call Scams)

Scammers may call, posing as bank employees, spoof their caller ID to display the bank’s official phone number, and request personal information.

These messages are designed to create urgency and panic so victims act quickly without verifying the request.

Verify suspicious calls by hanging up and calling us back at 636-940-5555.

What First State Bank of St. Charles Will NEVER Ask For

It’s critical to understand how legitimate bank communications work. We will NEVER contact you to ask for:

• Online banking usernames or passwords
• Account numbers or debit card PINs
• Social Security numbers
• One-time passcodes or authentication codes
• Requests to transfer money to a “safe” or “secure” account

If anyone requests this information while claiming to represent our bank, it is fraudulent.

Red Flags That Indicate a Banking Scam

Be cautious if you receive a message that includes any of the following warning signs:

• Urgent or threatening language (e.g., “Your account will be closed immediately”)
• Unexpected links or attachments
• Generic greetings such as “Dear Customer”
• Spelling or grammar errors
• Pressure to act quickly or keep the message confidential

Scammers rely on fear and urgency. Taking a moment to pause and look for signs of fraud can help prevent financial loss or identity theft.

Report Fraud or Possible Imposter Scams

Fraud and imposter scams are common in today’s digital world, making it essential to stay alert and report suspicious activity. Phishing emails, fake social media accounts, and fraudulent phone calls often attempt to steal personal information. Reporting these scams helps protect both you and others. If something feels unusual or too good to be true, trust your instincts and take action.

What to Do If You Receive a Suspicious Message

If you receive a communication you are unsure about:

1. Do not reply to the message
2. Do not click any links or open attachments
3. Do not call phone numbers provided in the message

Instead, contact First State Bank of St. Charles directly using:

• Call 636-940-5555
• Visit our contact us web page

What to Do If You’ve Shared Sensitive Information About My Identity?

If you believe you may have provided personal or financial information to a scammer, contact us immediately at 636-940-5555. Acting quickly can help limit potential damage and protect your accounts.

Staying Safe from Common Scams Begins with Awareness

Bank fraud and phishing scams continue to evolve, but staying informed is one of the most effective ways to protect yourself. First State Bank of St. Charles is committed to helping our customers stay safe by providing trusted guidance against fraudulent transactions.

Staying safe from common scams starts with awareness. If something doesn’t seem right, trust your instincts—your financial security matters. Business customers can also strengthen protection against fraud by enrolling in our Positive Pay services.