Scammers are becoming increasingly sophisticated and often pretend to be someone you trust. One common tactic involves impersonating bank employees to trick you into sharing sensitive information.
How the Scam Works
Fraudsters may contact you by phone, text message, or email claiming to be an employee of the bank. Often times, they spoof the bank’s phone number, making the call appear legitimate on your caller ID. They create fear and urgency, such as claiming fraud has occurred or that your account has been frozen, to pressure you into acting quickly without verifying the request.
What NDBT Employees Will Never Ask
Knowing what legitimate bank employees will never request can help you spot a scam. NDBT will never ask for your:
- Online banking username or password
- One-time passcodes or MFA (multifactor authentication) codes
- Full debit card number, expiration date, or CVV code
- Debit card PIN
How to Stay Safe
If you’re contacted unexpectedly, hang up and call us back. This will protect you from phone number spoofing. Never share MFA codes or debit card details and be cautious of urgent or threatening messages. Report incidents to NDBT so that we can help protect you and others.
When in doubt, don’t respond. If you ever have questions about a call or message claiming to be from us, please contact us directly. We are always happy to help you verify and stay secure.
Director of Operational Risk Management
