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Fraud Prevention


smsGuardian is no longer available and will be de-activated on 10/31/2020. Card alerts are now available through MyCardRules. More information is available on the Card Management page of our website.

Identity Theft

Identity Theft and Phone/Online Scams can happen to anyone!

If you feel that your account at the bank has been compromised, please contact us immediately.
If you would like to check on your credit report, the Fair and Accurate Credit Transactions Act (FACT Act) permits you to obtain a free copy of your credit report from each of the three major credit-reporting agencies each year. To obtain your free annual credit report please go to:
If you believe your social security has been compromised or someone is trying to use your identity, please visit the FTC’s Identity Theft resource page for information on how to report and recover from identity theft at:
For more information on phone, online, or other scams and how to avoid becoming a victim, please visit the FTC’s Consumer Information page at:

ATM Safety Tips

Although rare, ATM crime can happen. These tips are meant to make you aware of some precautionary measures.

Protect Your ATM Card

  • Always protect your ATM card and keep it in a safe place, just like you would cash, credit cards or checks.
  • Do not leave your ATM card lying around the house or on your desk at work. No one should have access to the card but you. Immediately notify your bank if it is lost or stolen.
  • Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your ATM card.
  • Never give any information about your ATM card or PIN over the telephone. For example, if you receive a call, supposedly from your bank or possibly the police, wanting to verify your PIN, do not give that information. Notify the police immediately.

Using an ATM

  • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
  • Have your ATM card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
  • Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.
  • Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.
  • To keep your account information confidential, always take your receipts or transaction records with you.
  • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
  • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

Special Precautions for Using an ATM at Night

  • Park close to the ATM in a well-lighted area.
  • Take another person with you, if at all possible.
  • If the lights at the ATM are not working, don't use it.
  • If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.