Fraud Prevention & Security Resources

Fake Text Messages

Scammers are sending fake text messages posing as St. Mary’s Bank and directing members to a fraudulent website designed to look like our online banking login page. These messages are intended to capture your online banking credentials.

❌Do not click links in unexpected text messages or enter your username, password, or verification codes. While the site may appear legitimate, it is not affiliated with St. Mary’s Bank.

What to do:

Access digital banking only through the official St. Mary’s Bank mobile app or by typing our website directly into your browser and clicking the login button
Never share login credentials or security codes through text or unfamiliar websites

If you believe you may have entered information into a suspicious site, please call our Member Support Team at 1-888-786-2791.

Fake Business Calls

Scammers are calling businesses and posing as St. Mary’s Bank, often asking for the Accounts Payable department. They claim there is suspicious account activity and may reference a specific dollar amount or name to sound legitimate.

Once trust is established, they ask for:
❌ Account numbers
❌ Online Banking User IDs

St. Mary’s Bank will NEVER call YOU and ask for this information.

What to do:

Do not share account numbers, login details, or one-time codes
Hang up immediately
Call us directly using the number on your statement or our official website

If you believe you may have shared information, contact directly at 1-888-786-2791 so we can help protect your account.

FEATURED: Tap. Go. Stay in Control.

Tap-to-pay is one of the easiest and most secure ways to use your St. Mary’s Bank debit or credit card, whether you’re tapping your card or using your mobile wallet. And with a few simple habits, you can keep every tap quick, safe, and confidently under your control.

Be mindful of where you tap. Only tap at payment readers you trust. If a reader looks loose, damaged, or just “off,” it’s okay to pause and use another payment method.

Consider an RFID-blocking sleeve or wallet. If you like an extra layer of protection, RFID sleeves and wallets help prevent unauthorized reads of your card while you’re out and about.

Check the amount before you tap. A quick glance at the purchase amount and merchant name keeps your transaction right where you expect it.

Turn on transaction alerts. In Digital Banking, you can set real-time alerts for card activity—an easy way to keep tabs on your spending and spot anything unusual instantly.

Review your statements regularly. A quick monthly review helps you stay organized and aware of all your purchases.

Tap-to-pay keeps everyday spending quick and easy. By following these simple habits, you stay in charge of your transactions and protect your account from unauthorized activity. And if anything ever seems off, St. Mary’s Bank is ready to help.

We are partners in security.

St. Mary’s Bank is committed to helping our members identify and prevent fraud, including online scams and identity theft. Our dedicated fraud team has helped put together information based on the most common and trending kinds of fraud.

Remember St. Mary’s Bank will NEVER call, email, or text you to request:

Your card information (number, CVV, PIN, or expiration)
Your online or mobile banking login or password
A one-time passcode
Any other login credentials to access your information

This information should be always secured and never provided to anyone. You are the best defense against becoming a victim of fraud and we can help with the educational items below.

If you have concerns about security or privacy, please contact our Member Contact Center at (888) 786-2791.

Have a Happy Holiday Season by Avoiding these Scams!

The holidays usually mean an increase in online shopping, which can also mean an increased risk of scams. Scammers can impersonate delivery companies like Fedex or the Post Office by impersonating them in texts or emails. Find out how to protect you and your family this holiday season.

Beware of Financial Romance Scams - Know the Red Flags

As meeting people online becomes even more common so will financial deception and scams. In our digital world it is common to message strangers in games, dating apps, or just on social media. How do you identify when someone you have been chatting with for months might be a scammer or financial groomer? St. Mary's Bank breaks down the red flags for these common romance scams.

Fraud Watch: Phishing and SMiShing Scams

Scams to acquire personal account and card information are becoming more sophisticated. Text messages and emails disguised to look authentic or phrased to panic the recipient are on the rise. St. Mary's Bank is here to help if you suspect your private account information may have been compromised. Never hesitate to call us or visit our Security Center at stmarysbank.com/security.

Beware of Scams! Gift Cards

Scammers are getting clever, tricking people into buying gift cards for "emergencies" or "prizes." Identifying these scams can be tricky. St. Mary's Bank breaks down what you need to be aware of when identifying suspicious communications.

Don't Be Fooled By Fraud

Does this scenario feel familiar? If you receive a call or text claiming to be St. Mary's Bank (or any bank) and they ask for personal or banking information including a verification code, stop! It's a scam.

Stop! It's a Scam.

Has someone asked you to lie to your financial institution about the reason you are withdrawing money? Stop! It's a scam. Fear and pressure are common tactics used by scammers to convince you to help them with their fraudulent and criminal behavior.

Recognizing Bitcoin and ATM Scams

Bitcoin and ATM Bitcoin scams are on the rise. Scammers will often use fear or pressure to persuade their victims to deposit cash into drop-boxes or special ATM's.

How do I report identity theft and fraud?

If you feel your account and/or ID has been compromised take the following steps listed here https://www.stmarysbank.com/learn/security/id-theft-prevention---response .

What should I do if my card is stolen or if I see an unauthorized transaction?

You can block your card immediately and order a new card through Card Management in your Online Banking. Please reach out to our Member Contact Center at (888) 786-2791 or our Card Support Center at (877) 286-2612 for further assistance.

How do I change my debit/credit card PIN?

You can reset your card PIN through the Card Management function in your Online Banking. You can also contact our Member Contact Center at (888) 786-2791 to request a new PIN through mail, or visit any branch location.

Young woman holding calculator while looking at forms at a desk with a laptop on it.

ID Theft Prevention and Response

Steps to take if you believe your account has been compromised.

Hand holding phone with an unknown caller calling

Scams

Learn the types scams are targeting members and how you can avoid them.

Person on a laptop with an exclamation icon sitting on the desk.

Top Dos and Don'ts

Learn the top 10 best practices to keep yourself safe from fraudsters.

Security Center

🚨TOP ALERTS: Impersonation Scams