FDIC-Insured - Backed by the full faith and credit of the U.S. Government

FDIC-Insured - Backed by the full faith and credit of the U.S. Government




It's Not Random Anymore.

You're the Target.

It's not just a guessing game. They're aiming right at you.


What we're seeing lately is more than just scams - it's targeted, and it's getting personal.


With AI tools and leaked personal data, scammers are crafting messages that feel real - because they're built around you. Your name, your habits, even where you work.


Here's a quick look at what we're seeing out there. Have you gotten anything like this?

Warning Signs & How to Stay Safe

Personal Info Grab

Scammers get access to personal data like your name, where you work, and even what you do online.

Share Less Online

Only provide details on secure, trusted platforms, and keep your social media profiles private.

Trusted Voices

That "urgent" message might look like it's from your boss, your bank, or maybe an old friend--but it's not.

Verify Requests

Use a known contact method (like a direct call or official site) to check authenticity before responding.

AI-Crafted Messages

Scammers are using smarter tools to write emails and text messages that look and sound just like a real person.

Trust Your Instincts

AI can write messages that sound perfect—names, tone, even timing.


Ask yourself: Would this person normally say this? Is this how they'd reach out? Context reveals what content can hide.

Activity-Based Traps

Ever get a message that references a site you just visited? It may not be a coincidence. Scammers may also layer emails, texts, and calls to make their story feel real from every angle.

Keep It Private

Scammers use your recent clicks and locations to bait you. Use private browsing, limit app tracking, and go straight to the source to verify odd messages.

Impersonating IT

Scammers can pose as tech support or your IT department, offering help or suggesting that they need to make critical updates on your computer.

Ask First, Act Second

Always confirm with your support team through verified channels before giving any access or info.


How Can We Help?


We're actively responding to these evolving threats. Here are the key steps we're taking to help protect you:


  • Advanced Fraud Detection – It's AI vs. AI now — we use advanced machine learning and smart human review to detect suspicious activity and shut down fraud attempts before they can do damage.


  • Human Verification for Wires – Every wire transfer request gets a confirmation call from our team. If it’s not really you — we’ll catch it.


  • Mobile App Card Controls – You can set alerts, lock cards, and control spending directly from your phone. Quick and easy.


  • Personalized Help – Not sure if it’s legit? Email me at mickey@hcnbank.com — I’d rather get 10 “is this real?” questions than let one scam slip through.


Need Help? Contact Us!

If you're concerned about financial security or suspect a scam, we're here to help.

Visit us at your local branch or call (951) 766-4100 to speak with our team.

Stay safe, Stay CyberSmart

hcnbank.com/cybersmart • (951) 766-4100
 

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