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Stay informed to stay protected.

Deposit Scams

There are many variations of the deposit scam, but all involve depositing or accepting what you believe to be legitimate funds and then forwarding a portion of the funds to another individual.

Some of these scams involve checks that appear to be cashier’s checks drawn on real banks, US Postal money orders, or other “guaranteed funds.” In some cases the fraudster convinces you to provide your online banking credentials, which you should never do.

It could take up to 7 business days for checks to clear the paying bank, and you may be responsible for these transactions.

Do Not Fall for These Common Scams

  • You get an online job and receive checks by mail OR you are asked to provide online banking credentials to accept payments to your account. Common scam job offers include cashing US checks for companies overseas, working as a mystery shopper, working as an interpreter, doing car wrap advertising, etc.
  • You sell something online, but the buyer either mistakenly sends you too much money or they send you extra money to pay their “shipping agent.”
  • You have won a foreign lottery and you must pre-pay taxes (this is not how the government collects taxes; it is against federal law to advertise or pay out a non-US lottery through the US mail).
  • You have been chatting with someone online for months; they are overseas or need help getting funds, so they or their friend will send you the funds, and you just need to send the funds to someone else, or invest the funds for this friend. 
  • You are looking for a roommate and someone sends you a check to cover the cost of rent, or for you to purchase items for them. They unexpectedly have an emergency that then prevents them from moving and ask you to return the funds.

PC Repair / Tech Support Scams

You receive a call or an email, or you click a link in an email that states your PC is infected or has a virus, and you’re told to call a telephone number or click another link. You are then told that in order to remove the virus, you either need to pay for more protection or you must allow remote access to your computer to run a test.

Legitimate tech companies will not contact you by phone, text, or email to notify you of a virus or unusual activity as they don’t have access to your PC. Legitimate anti-virus pop-up warnings will never ask you to call a phone number to resolve an issue.


Most email scams involve “phishing” in which the e-mail notes an urgent need to either click on a link or visit a website in order to protect accounts, re-establish locked accounts, or to avoid future fraud to accounts. The link or website may look exactly like a legitimate website, but it is a “dummy” site that is set up to collect the private information you provide so the scammer can commit identity theft or to initiate unauthorized transactions. You should never call the number or visit the website provided in the email. Instead, contact the sender directly at a known number or website directly.

In some cases, the link in the email contains malicious code that is installed on your computer without your knowledge. This is especially true if you don’t keep your anti-virus and operating system updated. This malicious code can include scammers who keep track of the websites you visit, including the user IDs and passwords you enter, or it could include code that allows your computer to be taken over as part of a massive attack against a larger victim.

Don't Get Hooked

Do not open emails from unknown senders, and never click on links or attachments in suspicious e-mails. If you need to contact the sender, contact them directly at a known phone number or website.
Hover over the link to validate the website location, or use your Favorites/Bookmarks you’ve saved rather than clicking on links.

Pay close attention to any spelling errors in the links or sender info (e.g., it’s from instead of


SMB Anti-phishing Email Feature

At St. Mary’s Bank, your privacy and security is a top priority. In order to defend against phishing emails, we include a unique security feature whenever links are used in our promotional emails—the last 4 digits of your St. Mary’s Bank member number (see sample below). This code tells you the email is from us and it is safe to click the link(s). If you don't see the security code, do not click on any links included in the email!

Security Code XXXX

Important Security Feature! The security code you see above is the last 4 digits of your member number with St. Mary's Bank. If you see this code, you can be assured this email communication is from St. Mary’s Bank.

To minimize your risk of falling victim to phishing scams, you should always confirm there is something identifiable to you (e.g., the last 4 digits of an account number) before opening attachments or clicking on links in any email you receive.

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 .
How do I report card fraud?

If your, debit or credit card is lost or stolen, please report it immediately. Prompt reporting will help avoid unauthorized charges to your account. You have four contact options.

  • Online & Mobile Banking: Within Tools & More, the primary accountholder may access card management to block the card.
  • Member Contact Center: (888) 786-2791 Available Mon-Fri 8am – 5:30 pm, Sat 8am – 12pm
  • Card Support Center: (877) 268-2612 Available 24/7 (Closed Thanksgiving and Christmas)
  • Outside of US: (909) 941-1398 Need to dispute charges on your debit or credit card?
  • Call Card Dispute Support: (877) 504-3009 Available 24/7 (closed Thanksgiving and Christmas)


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