Think It Might Be a Scam? Stop. Don’t click. Don’t send. Don’t share.
Scammers are becoming more convincing every day. They may call, text or email pretending to be your bank, a government agency, a business you recognize — or even someone you know.
If something doesn’t feel right, trust your instincts and take a moment before responding.
Think you’ve been affected by fraud?
Contact FNB Community Bank immediately.
Could It Be a Scam?
Scams come in many forms, but there are often warning signs. Be cautious if someone:
- Contacts you unexpectedly asking for money or personal information.
- Creates a sense of urgency or tells you that you must act immediately.
- Threatens you with account closure, arrest, fines or other consequences.
- Claims there is fraud on your account and tells you to transfer or withdraw money to “protect” it.
- Asks for your online banking username or password.
- Asks you to provide a one-time passcode or verification code.
- Tells you not to speak with your bank, family or anyone else.
- Demands payment through gift cards, cryptocurrency, wire transfers or payment apps.
- Sends an unexpected link or attachment and asks you to click it.
- Says you’ve won a prize but need to pay a fee or taxes before receiving it.
- Sends you a check and asks you to deposit it and return part of the money.
When in doubt, stop communicating with the person and contact FNB Community Bank using a phone number or contact method you know is legitimate.
Someone Says They’re From FNB. Now What?
Scammers can make calls and messages appear legitimate — including making a caller ID look like it is coming from a trusted organization.
If someone contacts you claiming to be from FNB Community Bank and you are unsure whether the communication is legitimate:
Hang up.
Do not use a phone number, website or link provided by the person contacting you.
Instead, contact FNB Community Bank directly using the phone number on the back of your card, on your bank statement or through our official website.
FNB Community Bank will never ask you to:
- Send money to yourself or another person to “protect” your account.
- Purchase gift cards or cryptocurrency to resolve account fraud.
Share a one-time verification code with someone who contacts you. - Move money to a “safe,” “secure” or “protected” account at the direction of an unsolicited caller.
If someone tells you not to contact your bank, that’s an especially important reason to contact us.
Common Scams to Watch For
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Bank Impersonation Scams
A caller or text message claims suspicious activity has been detected on your account and asks you to provide information, share a verification code or move money.
Phishing Emails & Text Messages
A message appears to come from a legitimate company and asks you to click a link, download an attachment, sign in or provide personal information.
Payment App Scams
Someone asks you to send money through a person-to-person payment service, sometimes claiming you need to send money to yourself to reverse fraud.
Check Scams
Someone sends you a check and asks you to return some of the money, purchase something or send funds elsewhere. The check may initially appear to clear before later being identified as fraudulent.
Government & Law Enforcement Impersonation
A caller claims to represent the IRS, Social Security Administration, law enforcement or another government agency and threatens consequences unless you immediately pay.
Family & Emergency Scams
Someone claims that a child, grandchild, friend or other loved one is in trouble and needs money immediately. New technology can make these scams especially convincing.
Romance & Relationship Scams
Someone builds an online relationship and eventually begins asking for money, financial assistance or account information.
Investment & Cryptocurrency Scams
Someone promises unusually high returns, a “guaranteed” investment or an exclusive opportunity and pressures you to send money or cryptocurrency.
Prize & Sweepstakes Scams
You’re told you won money or a prize but must first pay taxes, fees or other expenses.
Tech Support Scams
Someone claims your computer, phone or account has been compromised and asks for remote access to your device or payment to fix the problem.
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I Think I’ve Been Scammed. What Should I Do?
Act quickly. The sooner you respond, the better.
1. Contact FNB Community Bank
If your FNB account, debit card, online banking or personal information may have been compromised, contact us immediately.
2. Stop Communicating With the Scammer
Do not send additional money, provide more information or continue responding — even if they threaten you or claim they can recover money you’ve already lost.
3. Change Compromised Passwords
If you shared a username or password, change it immediately. If you use that same password on other accounts, change those passwords as well.
4. Review Your Accounts
Look for transactions, withdrawals, transfers or changes you don’t recognize and report suspicious activity immediately.
5. Secure Your Device
If you gave someone remote access to your computer or phone, disconnect that access and take steps to secure the device.
6. Report the Scam
You may also report suspected fraud or scams to the Federal Trade Commission and, when appropriate, law enforcement.
Before You Send Money, STOP.
Ask yourself:
S — Seems unexpected?
Did this call, text, email or request come out of nowhere?
T — Trying to rush me?
Are they creating fear, excitement or urgency so I don’t have time to think?
O — Ordering me to pay or share information?
Are they demanding money, passwords, verification codes or personal information?
P — Proven it’s legitimate?
Have I independently verified who I’m actually talking to?
If you aren’t sure, STOP and contact FNB Community Bank. A few minutes of caution can make all the difference.
We’re Here to Help
Fraud can happen to anyone. Scammers deliberately use urgency, fear, trust and confusion to convince people to act quickly.
If you receive something suspicious — even if you haven’t lost money or shared information — you’re welcome to contact FNB Community Bank before taking action.
When in doubt, contact us. We’d rather help you verify something is legitimate than have you take an unnecessary risk.
Additional Resources
- Federal Trade Commission — Consumer fraud and scam information
- IdentityTheft.gov — Identity theft recovery resources
FNB Community Bank | Member FDIC
This information is provided for educational purposes and is not intended to guarantee prevention or recovery of losses related to fraud or scams.