FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Imposter Scams
Imposter Scams
What You Need to Know
Fraudsters are using a sophisticated tactic called imposter scams, and any customers can become a prime target.
How It Works
Scammers are posing as Independent Bank Fraud Department employees, and may even provide a badge number. When they call, they are spoofing Independent Bank’s phone number, so the call appears to be legitimate. The fraudsters state that there is an unauthorized transaction trying to post to the customer’s account (ex. $900 Airbnb), and that they need to change their credentials immediately to prevent the item from posting.
If the customer provides their online banking credentials and debit card information, the fraudsters are able to use this to move funds to the customer’s checking account, and set their debit cards up for contactless purchases (Google Pay/Apple Pay). The fraudsters can then purchase gift cards at valid retailers (Meijer, Kroger, etc.) without ever physically obtaining the customer’s debit card.
What to Look For
Independent Bank will never call you and ask you for your log in credentials, full debit card number/security code on the back of the card, or security information. If you are questioning the validity of a request, hang up and call Independent Bank at 800.355.0641, or the number listed on the back of your Independent Bank Debit Mastercard.®
How to Stay Protected
-
Verify requests independently. If someone calls claiming to be the bank, hang up and call us back using a known number.
-
Never share sensitive information. We will never ask for this information.
-
Monitor accounts daily. Quick action can reduce losses if fraud occurs.
Suspect Fraud?
If you believe you have been the victim of this imposter scam or other fraud, please contact our Customer Connection Hub immediately. Your security is our priority, and together, we can keep your accounts safe.
