<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id={477842172606238}&amp;ev=PageView&amp;noscript=1">
FDIC-Insured — Backed by full faith and credit of the U.S. Government
  • There are no suggestions because the search field is empty.

Business Fraud Prevention

From Awareness to Action: FSCB Provides Your Business the Tools to Stay Safe. Protecting your business's privacy is important to us, and at First State Community Bank, we take measures to ensure your information is secure. We are dedicated to preventing unauthorized access to customer information and are committed to taking appropriate action to protect against fraud.

 

Find a Branch
Fraud prevention (1) (1)

Enhanced Security Features for You

positive pay

Positive Pay

Manages risk and protects your accounts. It requires check and ACH information to be validated before clearing accounts.

Learn more

Secure Transactions

Secure Transactions

Multi-factor authentication is required on any device that is not trusted or registered by the user. Additionally, step-up authentication is required when high-risk transactions are detected or processed.

 

ACH Payments

ACH Payments

Allows your business to transfer funds electronically between banks, reducing the need for paper checks and minimizing the risk of fraud.

 

Wire Services

Wire Services

By using wire services, your business can ensure that transactions are processed in real-time, reducing the risk of fraud and unauthorized access.

 

Notable Scams Happening Now

Fraudsters are always changing their tactics. Here are the scams we’re seeing in our communities right now and how to keep yourself and your family safe.

Active Alert Posted September 2026

Call Forwarding Scam

Scammers pretending to be your bank are tricking people into forwarding their own phone calls, so the scammer can intercept security calls and passcodes.

How the Scam Works

  1. The Initial Contact

    You receive an urgent phone call, text, or message that appears to come from First State Community Bank. Scammers can spoof caller ID so our name or number shows up on your phone.

  2. Creating Urgency

    The caller claims there is “suspicious activity” or a “fraudulent charge” on your account and that you must act right away to protect your money.

  3. The Trap

    They tell you to dial a short code followed by a 10-digit phone number they provide. The code usually starts with a star or pound sign, such as *72 or **21*.

  4. The Hijack

    That code turns on call forwarding. Your incoming calls, including security and verification calls, now ring the scammer’s phone instead of yours, so they can receive passcodes meant for you and get into your accounts.

How to Protect Yourself

  • Never Dial Codes a Caller Gives You

    Don’t follow instructions from someone who contacted you to dial codes that start with a star (*) or pound sign (#).

  • Hang Up and Call Us Directly

    If you get a call about a security issue, hang up. Call us at 877-955-3722, the number on the back of your debit card, or reach out through our official website or mobile app.

  • Never Share Your Codes

    First State Community Bank will never call and ask you for a one-time passcode, PIN, password, or online banking login.

What to Do If You’ve Been Scammed

  1. Turn Off Call Forwarding Now

    On most AT&T and T-Mobile phones, dial ##002# and press call. On Verizon, dial *73. If you’re unsure, contact your mobile carrier.

  2. Call Us Immediately

    Call First State Community Bank at 877-955-3722 so we can help secure your accounts, review recent transactions, and watch for unauthorized activity.

  3. Secure and Report

    Change your online banking password, then report the scam at ReportFraud.ftc.gov.

Remember: Caller ID can be spoofed. Even if a call appears to come from First State Community Bank, hang up and call the number you know is ours.

Learn What to Look For


Stay up to date on the latest scam tactics, by going to consumer.ftc.gov/scams.
urgent

Urgent and Threatening Language

Scammers may try to create panic by claiming your account is locked or compromised, pressuring you to act quickly. Be cautious with unexpected phone calls. To ensure your safety, call the number on the back of your bank card.

 

creds

Asking for Credentials

Fraudsters may try to impersonate someone from your bank, and their caller ID might even show up as your bank. Banks never request your account number, PIN, or password via phone, text, or email — and will never ask for your secure access code.

 

emails and texts

Unexpected Emails and Text Messages

Avoid clicking on attachments/links in emails or text messages claiming to be from your bank. Fraudsters often send fake messages that look legitimate to steal your login credentials or personal details.

 

Key Security Tips

Protect your business and your financial information from fraudsters and cybercriminals by following these safe banking tips.

 

Secure Your Devices: Update your computer, tablet or phone regularly, as well as any antivirus and firewall software. Use strong privacy settings on your devices to avoid pop-ups and unsafe websites.

Sign up for Banking Alerts: Protect your hard earned money by staying on top of your finances with FSCB alerts! Setting up account alerts can help you monitor activity and suspicious transactions. Don’t wait until it’s too late - Safeguard your accounts today.
Know How to Spot Phishing Attempts: Phishing is one of the most common ways cybercriminals attack. Don’t reply or click on any links in unsolicited or suspicious emails or texts.
Pick Strong & Unique Passwords: Pick a different password for each of your online accounts. Don’t use birthdays, anniversaries, pet’s names, children’s names, or common phrases like “password” or 12345. Use complex phrases at least 8 characters long, including upper and lower case letters, numbers and characters.
Multi-factor Identification: This is required for each digital banking user. It is the best way to prevent fraudsters from pretending to be you.

Set Up Account Security Alerts

Enroll in our digital banking platform to stay informed by setting up alerts and easily monitor your accounts via email, phone, or text messages.

phone-menuBusiness

Step 1:

Under the menu tab, click settings.

How to Report Fraud

Monitor your accounts regularly. Here's what you should do if you notice unusual activity on your account.

web

Visit FTC.gov and report the scam.

Group 145

Contact your bank by calling the number on the back of your card.

police

Call your local law enforcement to report the crime and obtain a police report.

If you have concerns about a phone call, text, or email from an unknown individual or company, be cautious and give the individual/company a call back to a known and verified phone number to ensure the legitimacy of the request.

Frequently Asked Questions

Not Sure Where to Start?

Call Us

Monday - Friday: 8:00 am - 10:00 pm
Saturday - Sunday: 8:00 am - 5:00 pm
Call Now
Message Us

Send our customer service team a message and we will get back to you.
Send Message
Visit Us

Come by a local FSCB branch to speak with us in person.
Find a Branch