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Top 10 Do’s and Don’ts

STOP! Think First and Protect Yourself from Scammers.
St. Mary’s Bank is committed to helping our members prevent identify theft and fraud.


From supporting local workshops, seminars, and educational opportunities to providing easily accessible sources, we can prepare you with the knowledge and tools to defend from becoming a victim of fraud. We have compiled a short list of top 10 Do’s and Don’ts best practices, that when followed may help you protect yourself from scammers.

  1. Don't lie to your financial institution when asked about taking money out of your account. We’re here to protect you no matter what the fraudsters or your “friends” say!
  2. Don’t allow anyone to remotely access your device by entering keys/commands or go to a website and download software…even if they threaten you, say you’ll lose money or go to jail.
  3. Don’t respond to unverified text/email/calls or click links. Call St. Mary’s Bank directly at (888) 786-2791 if you have concerns of unauthorized transactions or inquiries.
  4. Don’t accept funds from anyone with instructions to return/forward funds to someone else, to buy gift cards or bitcoin/crypto currency.
  5. Don’t share card PIN, online banking user ID/password, or any other access method with anyone including joint owners or anyone claiming to be St. Mary’s Bank.
  6. Do enable online banking text notifications for account logon and transaction amount alerts.
  7. Do use bookmarks or apps to access online banking as Google searches can present fraudulent look alike sites.
  8. Do question “family/friends” who contact you out of the blue to offer you money or ask for money thru mobile checks, pictures of checks, Cash App, Venmo, etc.
  9. Do use strong passwords/passphrases and enable multi-factor verification on all financial accounts and email access (i.e., a secondary code text to your phone).
  10. Do ensure you update all devices you use to access online banking (update operating systems, anti-virus, and browsers).
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 .
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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