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Fraud & Security

Fraud Department Spoofing

Independent Bank Fraud Department Spoofing 
What You Need to Know

Scammers are spoofing legitimate phone numbers and saying they are calling from Independent Bank's Fraud Department to trick you into revealing your card details and approving fraudulent transactions. 

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How It Works:

Scammers spoof legitimate bank phone numbers to pose as Independent Bank’s Fraud Department—hoping to trick you into voluntarily confirming debit/credit card details. They might already know part of your card number and ask for the remaining digits, three-digit code on the back (CVV), or expiration date. They may also ask you to provide a one-time passcode or to approve a transaction via text message. Their next step? Linking your card to Apple Pay or another digital wallet without your consent. 

Warning Signs:
  • Callers who know part of your card number and ask for the rest

  • Pressure tactics or urgent requests to act immediately

  • Requests for your CVV, card expiration date, or digital wallet confirmation

  • Asking you to provide a one-time passcode or to approve a transaction via text message

  • Unusual activity on your card right after a suspicious call

How to Stay Protected:  
  • Remember: Independent Bank will never ask for full card details, one-time passcodes, or for you verify transactions via text message 

  • Hang up if something feels off, then call us using a number you trust

  • Use card controls to freeze your card or stop digital wallet links

  • Regularly monitor your statements and digital wallet apps

Suspect Fraud?

If you believe you have been the victim of this scam or other fraud, please contact our Customer Connection Hub at 800.355.0641. You may also want to:

  • Immediately block or freeze your card using ONE Wallet digital banking

  • Report any unauthorized digital wallet activity

  • Request a new card if you gave out sensitive details


Your security is our priority, and together, we can keep your accounts safe.

 


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