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Know the scams, spot the red flags, and protect yourself before anything happens. Fraud is common — but it's rarely clever. Here's what to look for.
Almost every fraud report we see involves one of these. Learn them once and you'll recognize the next attempt almost immediately.
Fake emails, texts, and calls that pretend to be from Alpine Bank — or from a company you actually use — asking you to click a link, "verify" your account, or enter your password. The tell is always the same: they create urgency ("your account will be locked in 24 hours") and ask for information we would never request.
Alpine Bank will never text or email you asking for your password, PIN, or full card number. If you get a message that does, it isn't from us.
Small devices attached to gas pumps and ATMs that read your card before you even realize it. Some are visible (a loose or off-color card reader), some are inserted inside the slot and almost invisible.
Use ATMs inside branches when you can, wiggle the card reader before you insert — if it moves, walk away — and check your account regularly for charges you don't recognize.
Someone calls pretending to be from Alpine Bank's fraud department, from the IRS, from Social Security, or from a utility company. They use a real-sounding story to get you to move money, buy gift cards, or hand over account details.
Real banks never call asking you to move money to a "safe account." If a caller creates pressure and tells you to act now, hang up and call us directly at the number on your card.
Someone opens accounts, files taxes, or takes out loans in your name — often using personal information gathered from a data breach, a lost wallet, or an unshredded document.
Freeze your credit at all three bureaus (Equifax, Experian, TransUnion), review your credit report annually, and shred anything with your account numbers or SSN before throwing it out.
Call us right away. The sooner we know, the more we can protect — and the less you're likely to lose.