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CyberSmart Series: January 2024

Hello HCN customers,

Welcome back to the latest edition of the CyberSmart Series, our dedicated effort at HCN Bank to keep you informed and protected in the evolving landscape of security and technology. This edition highlights a rising threat in the digital realm that has been affecting banking clients, including those at HCN Bank.

 CyberSmart Series Text Logo

Understanding Check Fraud:

Check fraud can occur in various forms, including forging, altering amounts, or creating counterfeit checks. With the advancement in technology, fraudsters have become more sophisticated in these schemes.

Here's What You Need to Know:

Criminals may tamper with checks you send or receive, or they might create fake checks using your account information. A particularly common scam involves overpayment with a request for refunding the excess amount.

Our Recommendations:

• Limit Check Usage: Reduce the use of physical checks. Electronic payments are more secure and easier to track.

• Use Electronic Payment Methods: Opt for secure electronic payment services like our bank’s bill pay service, Zelle, or other digital platforms for safer transactions.

• Monitor Your Accounts: Keep an eye on your bank statements for any unauthorized transactions.

• Stay Informed: Understand the features and security measures of electronic payment services you use.

Embracing electronic payments can significantly reduce the risk of check fraud. Stay tuned for more updates and tips in our CyberSmart Series. If you have any questions about electronic payment options and their security, feel free to contact us.


Mickey McGuire
Senior Vice President | Chief Information Officer
3715 Sunnyside Dr. | Riverside, CA 92506
P: (951) 248-2010 | E:

About HCN Bank:

HCN Bank is a full-service community bank that has been serving the Hemet community since 1974. With a commitment to personalized service, innovative solutions, and strong community relationships, HCN Bank offers a comprehensive range of financial services to individuals, businesses, and organizations.

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