Fraud & Security Center
Spot it. Stop it. Recover.
Scammers target small towns too. This is your plain-spoken guide to recognizing fraud, preventing it, and knowing exactly what to do if you're targeted.
FNBT will never ask for your password or a one-time code.
We will never call, text, or email asking for your online banking password, PIN, full card number, or a one-time verification code. If someone does, hang up and call your branch directly at a number you trust.
Recognition
Learn the red flags: urgency and pressure, requests for gift cards or wire transfers, "verify your account" links, and callers who already seem to know a little about you.
Prevention
Use strong, unique passwords, turn on account alerts, keep your devices updated, and never share codes. When in doubt, slow down and call us.
Protection
Card controls, transaction alerts, eStatements, and monitoring are built into digital banking, so you can lock a lost card and catch problems early.
If you're targeted
Take action, step by step.
01
Stop & don't pay
Do not send money, gift cards, or codes. It's okay to hang up.
02
Call your branch
Reach us directly at a number you trust so we can secure your accounts.
03
Lock your cards
Freeze debit cards and change your online banking password right away.
04
Report it
File with the FTC at reportfraud.ftc.gov and your local sheriff if needed.
Pig-Butchering Scams
A long-con where a stranger builds a friendship or romance online over weeks, then lures you into a fake "investment" (often crypto) that shows fake gains, until the money disappears. Warning signs: a new online contact who steers you to an investment app, pressure to add more, and trouble withdrawing. If this sounds familiar, stop depositing and call us today.
Assisting Victims
If you think you've already been scammed, you are not alone and it is not your fault. Come in or call, and we'll help you secure your accounts, dispute unauthorized transactions where possible, set up monitoring, and connect you with the right agencies to report it.
Get help from a bankerScam information
Know the scams making the rounds.
Impersonation calls
"Your account is compromised" callers pretending to be your bank, the IRS, or tech support.
Phishing texts & email
Fake links asking you to "verify" your login or card. Don't click, type the address yourself.
Check & overpayment
A "buyer" overpays with a bad check and asks you to refund the difference.
Grandparent scams
A caller claims a grandchild is in trouble and needs money wired right now.
Romance scams
An online "relationship" that always needs money and never meets in person.
Gift-card requests
No real business or agency will ever ask to be paid in gift cards. Ever.
When something feels off, call us.
A quick call to your branch can stop a scam before it costs you. We'd rather answer a hundred "is this real?" questions than see one neighbor lose a dollar.