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Cache Valley Bank
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FRAUD PREVENTION & AWARENESS

Learn how to protect yourself and your finances from fraud.

Important: Cache Valley Bank will never ask for your personal information, passwords, or account details via email, text message, or unsolicited phone calls.

Common Fraud Tactics

Phishing Emails

Fraudulent emails designed to steal your personal information by impersonating legitimate organizations.

  • Fake emails claiming to be from your bank asking you to verify account information
  • Messages about suspended accounts requiring immediate action
  • Urgent requests to click links or download attachments
  • Emails with generic greetings like "Dear Customer" instead of your name
  • Never click links or download attachments from suspicious emails
  • Always verify requests by calling the organization directly
  • Check the sender's email address carefully for misspellings
  • Look for poor grammar and spelling in the message

Smishing (SMS Phishing)

Text message scams that trick you into revealing sensitive information or clicking malicious links.

  • Texts claiming your account has been compromised
  • Messages about winning prizes or contests you didn't enter
  • Fake notifications about package deliveries
  • Urgent requests to update payment information
  • Never reply to suspicious text messages
  • Don't click links in unexpected text messages
  • Verify any claims by contacting the company directly
  • Report suspicious texts to your mobile carrier

Vishing (Voice Phishing)

Phone calls from scammers pretending to be from legitimate institutions to steal your information.

  • Calls claiming to be from your bank asking for account verification
  • Fake tech support calls about computer viruses
  • IRS impersonation calls demanding immediate payment
  • Calls about suspicious activity on your accounts
  • Never give personal information over the phone
  • Hang up and call the organization directly using official numbers
  • Be suspicious of high-pressure tactics or urgent demands
  • Remember that legitimate organizations won't ask for sensitive info by phone

Card Skimming

Devices attached to ATMs or card readers that steal your card information when you swipe or insert your card.

  • Fake card readers at ATMs or gas stations
  • Overlay devices placed on legitimate card readers
  • Cameras positioned to record PIN entry
  • Bluetooth-enabled skimmers that transmit data remotely
  • Inspect card readers before use - look for loose or unusual parts
  • Cover your PIN when entering it
  • Use ATMs inside banks when possible
  • Monitor your account statements regularly for unauthorized charges

Online Banking Fraud

Scams targeting your online banking credentials through fake websites or malicious software.

  • Fake banking websites that look identical to the real ones
  • Malware that captures your login credentials
  • Man-in-the-middle attacks on unsecured networks
  • Social engineering to trick you into revealing login details
  • Always type your bank's URL directly into the browser
  • Look for HTTPS and the padlock icon in your browser
  • Use strong, unique passwords for your banking accounts
  • Enable two-factor authentication when available

Check Fraud

Various schemes involving the creation, alteration, or unauthorized use of checks.

  • Altered checks with changed amounts or payee names
  • Counterfeit checks that look legitimate but are fake
  • Stolen checks used by unauthorized persons
  • Remote deposit capture fraud using mobile banking
  • Store checks in a secure location
  • Use pens with permanent ink when writing checks
  • Review bank statements promptly for unauthorized transactions
  • Consider using online bill pay instead of paper checks

Learn How to Spot and Stop Fraud

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Recognize Red Flags

Learn to identify common warning signs of fraud attempts.

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Verify Before You Trust

Always verify the legitimacy of requests for personal information.

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Protect Your Information

Best practices for safeguarding your personal and financial data.

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Report Suspicious Activity

Know how and where to report suspected fraud or scams.

Official Government Resources

FBI Internet Crime Complaint Center

Report internet crimes and access comprehensive fraud prevention resources.

Federal Trade Commission

Consumer protection resources and fraud reporting portal.

Consumer Financial Protection Bureau

File complaints about financial products and services.

FDIC Consumer Protection

Banking consumer protection resources and deposit insurance information.

Identity Theft Resource Center

Comprehensive identity theft recovery and prevention resources.

IRS Scam Reporting

Information about tax-related scams and how to report them.

USPS Preventing Check Fraud

Information about preventing check fraud from the US Postal Service.

Suspect Fraud? Act Immediately

If you suspect fraudulent activity on your Cache Valley Bank account, contact us immediately. The sooner you report suspicious activity, the better we can protect your accounts.

Call 1 (888) 418-5333