Five Red Flags to Watch For
Be cautious if an email, call, or text does any of the following:
- Asks you to act with urgency
- Asks you to open a link
- Tells you to keep it a secret
- Sends an unexpected attachment
- Requests personal information such as PINs, passwords, account numbers, or Social Security numbers
- Pressures you to use mobile payment apps to send or move money
See real-world examples from the American Bankers Association:
Protect Yourself! – Banks Never Ask That! Protect Yourself! - Banks Never Ask That!
Tips on Protecting Yourself
How to Protect Yourself
- Hang up immediately if pressured for personal information.
- Never click suspicious links or download unknown mobile apps.
- Don’t respond to unexpected texts, calls, or emails.
- Never share personal or account information by phone, text, or email.
- Enable multi-factor authentication (MFA) on all accounts.
- Always call the bank using the official number on our website or your statement.
What Banks Will NEVER Ask You to Provide
A legitimate bank will never ask you—through a call, text, or email—to provide:
- Your online banking password
- Your PIN
- Your full account number
- Authentication codes or one-time passcodes (OTP)
- Your debit card or credit card number through an unsolicited call or text
- Your mobile banking app username or password by text
- Any request to click links to verify identity or login information
If you receive such a request, it is a scam. Hang up or delete the message immediately.
If You Receive a Suspicious Message
- Do not respond
- Do not click any links
- Do not share any information
- Call us immediately at 877-758‑1600
NEW! Fraud Alert: Beware of the *72 Call Forwarding Scam
We want to make our customers aware of a phone scam currently affecting our area.
Fraudsters are impersonating banks and other trusted organizations and attempting to trick individuals into forwarding their phone calls using the *72 feature. Once call forwarding is activated, scammers may be able to intercept phone calls, including automated security and verification calls, and use that information to try to access your accounts.
How the Scam Works
A scammer may call and:
- Claim to be from your bank's fraud department.
- Tell you there is suspicious activity on your account.
- Instruct you to dial *72 followed by a phone number they provide.
- Ask for passwords, security codes, or other sensitive information.
Protect Yourself
- *Never dial 72 or any code provided by an unsolicited caller.
- Never share passwords, one-time passcodes, or verification codes.
- Do not trust caller ID alone. Fraudsters can "spoof" legitimate phone numbers.
- If you are concerned about your account, hang up and contact your bank directly using the phone number on your debit card, account statement, or our official website.
If You Already Dialed *72
Take action immediately:
- Dial *73 to disable call forwarding.
- Contact your financial institutions to secure your accounts.
- Change passwords for your banking, email, and other important online accounts.
- Monitor your accounts closely for unauthorized activity.
- Report the incident to local law enforcement.
Remember, Shore United Bank will never call and ask you to activate call forwarding, provide your online banking password, or share a verification code.
If you have questions or believe you may have been targeted by this scam, please contact Shore United Bank immediately.
Additional Resources
- American Bankers Association: Banks Never Ask That! Banks Never Ask That! Fraud Prevention
- Shore United Bank Blog: How to Spot a Scam Before It’s Too Late: How to Avoid Scam Tactics Before It's Too Late
- Shore United Bank: Security Tips
- Protect Yourself from Fraud and Scams
FBI's List of Common Frauds and Scams
Learn about some of the most common frauds and scams that the FBI encounters, as well as tips to help you stay safe and what to do if you're a victim: Common Frauds and Scams — FBI

