June 2026 · Fake websites, search ads, and AI media
Not Everything Online Is What It Seems
Fake websites, images, and videos are becoming harder to spot. A website may look professional and still be fake. A photo or video may look real and still be misleading. Taking a few seconds to verify can help protect your information and finances.
🔎Search carefully
The first result may not be official.
🖼️Question images
A photo or video is not proof by itself.
🛡️Verify first
Use official apps, bookmarks, or trusted sources.
Think before you trust
The first search result is not always the official website. It may be a paid ad labeled “Sponsored” or “Sponsored results.” Scammers can also copy the look of government agencies, retailers, delivery companies, banks, and customer support pages. AI can help people create websites, apps, images, videos, and voice recordings very quickly. Some are real. Others may be fake, unsafe, or created to make scams and false information look more believable.
🔎 Sponsored search results
You search for a bank, government agency, retailer, airline, or customer support number. The first result looks correct, so you click it.
Risk: The site may be fake and may collect passwords, payment information, verification codes, or personal details.
🖥️ New websites & apps
AI can help people create websites and apps very quickly. Some are real businesses. Others may be fake, unfinished, or unsafe.
Risk: They may collect your password, card number, or personal information—or fail to protect it properly.
🏛️ Fake company sites
Scammers copy the logos, colors, and layouts of government agencies, shipping companies, tax services, and major retailers.
Risk: You may enter identity documents, banking information, card numbers, or account logins on a site that is not real.
🎭 AI images & videos
Photos, videos, and even voice recordings can now be created or changed by AI.
Risk: Fake media can make scams, false stories, or urgent messages seem believable.
📰 Clickbait & false information
A dramatic headline may be paired with a fake image, edited video, or misleading information to get clicks and shares.
Risk: False information spreads quickly when people react before checking.
🔑 Fake sign-in pages
A fake page may copy your bank, email provider, streaming service, delivery company, or retailer.
Risk: Your username, password, or verification code may go directly to criminals.
Before you act
- Check the web address carefully before signing in or making a payment.
- Look for “Sponsored” or “Sponsored results” in search results.
- Use official apps, bookmarks, or a web address you typed yourself.
- Verify urgent or surprising information with a trusted source.
- Do not treat a photo, video, or voice recording as proof by itself.
- Review account activity and contact HCN Bank if something feels off.
Seeing something online does not always make it true. Before you click, buy, donate, share, or sign in, take one extra step to verify the website, source, and message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Mobile carrier messaging and data rates may apply.
May 2026 · Caller ID spoofing and bank impersonation
Caller ID Spoofing Scams
Caller ID spoofing scams continue to rise and are getting more convincing. Regulators, including the FDIC, continue to warn consumers about scammers impersonating banks and financial institutions by phone.
📞Caller ID can be faked
A real bank name or number on screen is not proof.
🔐Never share codes
One-time passcodes are for you only.
↩️Call back safely
Use the number on your card, statement, or trusted channel.
Spoofed calls are designed to sound legitimate
Scammers may claim to be from a bank, regulator, fraud team, or law enforcement. They may pressure you to verify transactions, share security codes, provide credentials, or stay on the line so you do not contact the real bank.
🏦 Your bank is calling
Caller ID may display a real bank name or number.
Do this: Hang up and call the number on your card or statement.
🚨 Fraud alert
The caller pressures you to verify suspicious transactions immediately.
Do this: Verify activity directly inside Online Banking or the mobile app.
🔢 Read me the code
They ask for a one-time passcode sent to your phone.
Do this: Never share security codes with anyone.
🔑 We need your login
The caller asks for credentials to “secure” your account.
Do this: Never share passwords or login information.
☎️ Stay on the line
Scammers try to prevent you from contacting the real bank.
Do this: End the call immediately.
🎭 Looks legitimate
Names, numbers, and scripts can sound convincing.
Do this: Trust verified contact methods, not caller ID.
Before you act
- Hang up on unexpected calls asking for sensitive information.
- Call HCN Bank using a trusted number or secure banking channel.
- Never share passwords, one-time passcodes, full debit card numbers, or Online Banking credentials.
- Verify suspicious transactions inside Online Banking or the mobile app.
- Do not stay on the line if the caller pressures you not to hang up.
- Contact HCN Bank right away if you shared information or something feels unusual.
We will never call you and ask for
Passwords, one-time passcodes, full debit card numbers, or Online Banking login credentials.
If something feels unusual, end the call and contact HCN Bank directly using a trusted number or secure banking channel.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Mobile carrier messaging and data rates may apply.
To use Mobile Banking, you must first enroll through Online Banking.
April 2026 · Executive impersonation and payment changes
Executive Impersonation Scams
Executive impersonation scams are rising across email, phone, and text. Scammers pose as executives or trusted contacts and create urgency to move money, share information, or confirm activity.
📧Verify the sender
“Are you available?” can start a payment scam.
📞Confirm separately
Caller ID and message threads can be spoofed.
🔄Protect payment changes
Use dual approval and callbacks.
Business urgency is the hook
These scams often involve urgency, unusual requests, new contact information, secrecy, or payment changes. Even real-looking messages can be spoofed or come from compromised accounts.
📧 Spoofed emails
“Are you available?” messages may come from unknown senders posing as executives.
Do this: Verify using a known contact method.
💬 Fake texts & calls
Urgent requests may ask you to send money or confirm activity.
Do this: Pause and confirm verbally through a trusted channel.
📞 Phone spoofing
Caller ID may appear legitimate but be falsified.
Do this: Call back using a saved or independently verified number.
⚠️ Urgent requests
“I need this now” often involves wires, gift cards, or confidential action.
Do this: Treat urgency and secrecy as red flags.
🔄 Payment changes
Requests may ask you to update ACH or wire instructions.
Do this: Use dual approval, callbacks, and documented payment-change procedures.
🔍 Verify always
Even real-looking messages can be compromised.
Do this: Confirm through a separate channel before taking action.
Before you act
- Pause when a request involves urgency, secrecy, new contact information, or payment changes.
- Verify requests using a known contact method, not the information in the message.
- Use dual approval for wires, ACH changes, and sensitive payment updates.
- Call back using saved or independently verified numbers.
- Review accounts in Online Banking after suspicious requests.
- Contact HCN Bank if a business payment or account may be affected.
Business control reminder
For businesses, documented call-back procedures, dual control, ACH controls, Positive Pay, and user-permission reviews can reduce the risk of payment-change fraud.
Executive impersonation is especially risky for businesses because it targets normal approval workflows. A brief callback can prevent a costly mistake.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Mobile carrier messaging and data rates may apply.
To use Mobile Banking, you must first enroll through Online Banking.
March 2026 · Tax phishing and refund fraud
Tax Season Scams
Tax season brings increased phishing, refund fraud, and fake IRS messages. Scammers often pretend to be the IRS, a tax preparer, or tax software support to steal personal information or redirect refunds.
🏛️Use official IRS channels
Verify tax notices through IRS.gov or paper notices.
🧾Choose preparers carefully
Avoid promises of unusually large refunds.
🔐Protect refund details
Guard SSNs, login credentials, and banking information.
Tax scams target both identity and refunds
Refund messages, urgent payment demands, fake preparers, phishing login pages, identity theft filings, and tax texts can all be used to steal personal information or redirect funds. Official resources and careful account review help reduce risk.
💰 Refund approved
Email or text says your refund is ready and asks you to confirm bank details.
Do this: Do not click. Check refund status only through the official IRS refund tool.
🚨 Pay now or else
A caller claims you owe taxes and demands immediate payment by card, wire, or gift card.
Do this: Hang up. Verify any tax issue directly at IRS.gov or from a paper notice.
🧑💼 Fake tax preparer
Someone promises an unusually large refund and asks for your SSN, ID, or bank information.
Do this: Work only with trusted, verified tax professionals.
🔑 Phishing login page
A message asks you to sign in to view tax forms, notices, or secure documents.
Do this: Type the website yourself or use a saved bookmark.
🪪 Identity theft filing
A criminal files a return in your name first to steal your refund.
Do this: File early and act quickly if your return is rejected unexpectedly.
💬 Tax text scam
A text mentions a tax credit, stimulus, refund, or urgent account problem.
Do this: Ignore the link and report suspicious messages through official IRS guidance.
Before you act
- Be cautious with unexpected refund messages and urgent payment demands.
- Do not share SSNs, login credentials, or banking information from an email, text, or unexpected call.
- Use direct deposit only through verified, official channels.
- Keep copies of returns, W-2s, 1099s, and confirmation emails for your records.
- Review account activity regularly during filing season.
- Consult the IRS or a qualified tax professional for filing decisions.
Important tax dates
April 15, 2026 is the federal individual tax return filing deadline for most calendar-year filers and the deadline to request an extension. October 15, 2026 is the extended filing deadline if you requested an extension. An extension to file is not an extension to pay.
Official resources
Use official IRS resources for individual filing, refund status, tax scam guidance, Identity Theft Central, and the IRS Tax Calendar.
Monitoring your account activity regularly can help you spot suspicious transactions during tax season.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Mobile carrier messaging and data rates may apply.
This communication is for educational purposes only and is not financial or tax advice.
February 2026 · Romance scams
Romance Scams Increase Around Valentine’s Day
Romance scammers build trust fast, then create a reason you need to send money or share information. Around Valentine’s Day, emotional timing can make these requests feel more convincing.
❤️Slow down fast affection
Fast “love” declarations can be a setup.
🎥Verify identity
Repeated excuses to avoid video or meeting are warning signs.
💸Protect your money
Gift cards, crypto, and wires are stop signs.
Romance scams turn trust into pressure
A scammer may move the conversation off-platform, avoid verification, invent emergencies, or introduce a fake investment opportunity after trust has been built. The safer move is to pause, verify, and talk to someone you trust before sending anything.
🎥 I can’t video chat
They always have excuses for why you cannot meet or verify who they are.
Do this: Ask for a live video call. If they refuse repeatedly, stop engaging.
💬 Let’s move off the app
They push you to text, email, or WhatsApp quickly to avoid platform protections.
Do this: Keep chats on the platform until you have verified identity.
🚑 Emergency money
A sudden crisis appears: medical bill, travel problem, job issue, or urgent help.
Do this: Do not send funds. Talk to a trusted person before doing anything.
🎁 Gift cards only
They ask for gift cards, crypto, or wire transfers that are fast and hard to reverse.
Do this: Treat this as a stop sign. Do not pay with irreversible methods.
🪪 I need your info
They ask for account details, one-time codes, copies of IDs, or help receiving money.
Do this: Never share codes or personal documents. End the conversation.
📈 Investment / crypto tip
A special opportunity appears after trust is built, often through a fake platform or app.
Do this: Do not send money. Verify independently and talk to a professional you trust.
Before you act
- Watch for fast love declarations and pressure to move off-platform.
- Ask for a live video call and stop engaging after repeated excuses.
- Do not send gift cards, cryptocurrency, wires, or account access.
- Never share one-time codes, ID photos, or online banking credentials.
- Save messages and receipts if you think you have been targeted.
- Contact HCN Bank right away if it involved your HCN account.
Pause before you send anything
If a new online relationship quickly turns into pressure to send money, share documents, or “help” with a transaction, stop and verify with someone you trust before taking action.
If you think you have been targeted, stop sending money, stop communicating, and save messages and receipts. If it involved your HCN account, contact us right away.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Mobile carrier messaging and data rates may apply.
January 2026 · Subscription and auto-renewal scams
Subscription and Auto-Renewal Scams
Subscription and auto-renewal scams are designed to feel routine: an invoice, renewal notice, refund, or support message. The link or phone number may route you to a fake site or a fake support scam.
🧾Verify invoices
Unexpected renewal notices deserve a direct check.
🔗Avoid email links
Use the real merchant site or app.
💳Track recurring payments
Review small trial charges and renewal activity.
Routine messages can hide fraud
These scams work because subscriptions and renewals are common. Scammers use familiar brands, small dollar amounts, and urgency to make people click before checking the source.
🧾 Invoice attached
An email says you were charged and urges you to open a PDF or click “View invoice.”
Do this: Log in to the real merchant site or app, not the email link, to verify.
🔄 Renewal failed
A text claims your subscription will cancel unless you update payment now.
Do this: Ignore the link. Update billing only inside the official app, store, or website.
💸 Refund approved
An email says you will get a refund and asks you to confirm bank details.
Do this: Do not share information. Contact the company using a known number or website.
☎️ Call support now
The message includes a phone number and pressure that a charge goes through today.
Do this: Do not call it. Look up the company’s number yourself.
🔐 Account locked
A fake security alert asks you to sign in to restore access.
Do this: Type the site address yourself or use a saved bookmark.
💳 Small trial charge
A small charge appears, then a bigger renewal hits later.
Do this: Review transactions regularly and cancel through the real provider.
Before you act
- Watch for urgent language, unfamiliar senders, odd grammar, and “today only” pressure.
- Do not open unexpected invoice attachments or use email links to verify charges.
- Use official apps, stores, or merchant websites to update billing information.
- Look up support phone numbers yourself instead of calling numbers in messages.
- Review account activity for small trial charges and unexpected renewals.
- Use Bill Pay when appropriate to centralize and control recurring payments.
Bill Pay reminder
Expedited or special delivery payments may include a fee, always disclosed before you confirm. To use Mobile Bill Pay, you first must set up payees through Online Banking.
Bill Pay can help centralize and control recurring payments, reducing the risk of hidden charges or unauthorized renewals.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Mobile carrier messaging and data rates may apply.
Expedited or special delivery payments may include a fee, always disclosed before you confirm.
To use Mobile Bill Pay, you first must set up payees through Online Banking.
December 2025 · Holiday shopping and charity scams
Have Yourself a Scam-Free Christmas!
Scammers know people are rushing for last-minute gifts, tracking deliveries, and hunting for holiday deals. A few extra checks can help keep the Christmas season joyful and scam-free.
🎁Question big offers
Too-good-to-be-true Christmas mega-sales can trigger impulse buying.
📦Track directly
Fake delivery alerts often imitate real carriers.
❤️Give carefully
Fake charities may exploit holiday generosity.
Holiday scams use holiday habits
Scammers often target the exact things people are doing in December: buying gifts, checking tracking updates, opening retailer emails, and supporting charities. The safest move is to verify the source before clicking, paying, or donating.
🎁 Fake gift offers
Scammers create too-good-to-be-true Christmas mega-sales to trigger impulse buying.
Do this: Cross-check deals on the retailer’s official site. Extreme holiday discounts usually signal fraud.
🎄 Holiday phishing
Criminals send Christmas-themed emails pretending to be retailers, charities, or delivery companies.
Do this: Hover before you click and watch for off-brand spellings, odd subdomains, or mismatched URLs.
📦 Delivery scams
Scammers send fake tracking alerts and order confirmations for packages you never ordered.
Do this: Visit the carrier’s official site. Real carriers include your name and shipping details.
❤️ Fake charities
Scammers exploit Christmas generosity by impersonating toy drives, food banks, or church giving programs.
Do this: Verify through trusted charity databases; legitimate groups do not demand instant payments or gift cards.
🏬 Imposter retailers
Fraudsters clone popular holiday storefronts selling sold-out toys or seasonal items at steep discounts.
Do this: Stick to verified retailers and avoid URLs with random numbers, hyphens, or no secure connection.
📱 Account alerts
Custom alerts in mobile banking can help you spot incoming or outgoing transactions during a busy shopping season.
How HCN can help: HCN Bank offers fraud monitoring, customer education, and support if you notice something unusual.
Before you act
- Verify deals on the retailer’s official website before buying.
- Do not use tracking links from unexpected delivery messages.
- Research charities before donating and avoid gift-card payment requests.
- Review web addresses carefully before entering payment information.
- Set account alerts and monitor transactions during holiday shopping.
- Contact HCN Bank if you notice something unusual or think you have been targeted.
Stay CyberSmart this season
Holiday scams work because they blend into normal December activity. Slow down before clicking, buying, donating, or sharing information.
Your story could protect someone else. If you see a scam like this, save the message and share what happened with HCN Bank.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
¹Standard data and messaging rates from your mobile carrier may apply.
November 2025 · Black Friday scams
Don't Get Gobbled by Black Friday Scams!
Thanksgiving weekend brings a surge in Black Friday shopping scams. Fake discounts, lookalike retailer sites, phishing emails, and fake order messages can make a bad link look like a holiday deal.
🛒Shop directly
Use verified retailer apps or official websites.
🏷️Question deep discounts
Unrealistic prices may be bait for fake stores.
📦Check order alerts
Verify purchases through the retailer, not an unexpected link.
Holiday deals deserve a second look
Scammers may impersonate major retailers, send fake promotional emails, or create lookalike websites that mimic familiar brands. A real logo, polished layout, or urgent sale language does not guarantee the site is legitimate.
🛍️ Fake discounts
Limited-time offers and unusually low prices can be used to rush you into clicking or paying before you verify the seller.
Risk: You may buy from a fake store or enter card information on a site that is not legitimate.
🏬 Retailer impersonation
Lookalike Amazon, Walmart, delivery, or store pages may copy logos, colors, and product images.
Risk: A familiar design can hide a false web address or fraudulent checkout page.
✉️ Promotional phishing
A sale email or text may include a link to “claim” a deal, verify an account, or unlock a coupon.
Risk: The link may lead to malware, fake sign-in pages, or card-data theft.
🧾 Fake order confirmations
Messages may falsely claim you made a purchase and ask you to click to cancel, refund, or verify the charge.
Risk: The goal may be to collect login details, card numbers, or one-time passcodes.
📱 Account alerts
Custom account alerts can help you spot card or account activity sooner during busy shopping periods.
How HCN can help: Review transactions regularly and contact HCN Bank quickly if something looks unfamiliar.
🛡️ Fraud support
If you think a scammer has your information, early reporting helps limit risk and guide the next steps.
Remember: Do not use contact information from the suspicious message; use a known HCN Bank contact method.
Before you act
- Access deals directly through verified apps or the official store website.
- Check the web address carefully before entering payment or login information.
- Do not click purchase, refund, or delivery links in unexpected messages.
- Log in through the retailer’s official website to confirm real orders.
- Set account alerts and review transactions during the holiday shopping season.
- Contact HCN Bank if you notice unusual activity or think you have been targeted.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
¹Standard data and messaging rates from your mobile carrier may apply.
October 2025 · Deepfakes
Night of the Living Deepfakes
Deepfakes and AI-generated content can make false videos, voices, images, and messages feel real. The safest response is to slow down, verify the source, and avoid acting on urgency alone.
🎭Question media
A convincing video, photo, or voice is not proof by itself.
📞Verify requests
Confirm urgent payment or account requests through another channel.
🧠Slow the reaction
Scammers count on emotion, surprise, or fear to move you quickly.
AI can make false content feel familiar
Synthetic voices, fabricated photos, AI-written messages, and realistic videos can be used to imitate people, businesses, or authority figures. The more urgent the message feels, the more important it is to verify before responding.
🎬 Fake videos
Deepfake videos may show someone appearing to say or do something they never did.
Risk: A video can be used to create trust, urgency, or pressure around money and account decisions.
🎙️ Synthetic voices
AI-generated voices can imitate a family member, executive, vendor, or customer.
Risk: Voice alone should not be used to approve payments, share credentials, or change instructions.
🖼️ Fabricated photos
Images and profiles can be generated or altered to support a false story.
Risk: A believable picture can make a scam, fake charity, or fake relationship seem legitimate.
✍️ AI-written messages
Messages can be polished, personal, and free of the spelling errors people used to rely on as warning signs.
Risk: Professional wording does not prove the sender is real.
🧪 Detection tools
Tools such as Reality Defender, Hive Moderation, Deepware Scanner, GPTZero, and AI or Not may help review questionable content.
Remember: Detection tools are useful signals, not final proof. Verification through trusted sources still matters.
🏢 Business impersonation
A synthetic executive voice or video could be used to pressure staff into changing payment instructions.
Action: Use call-back procedures, dual approvals, and known contact information for payment changes.
Before you act
- Do not treat a photo, video, or voice recording as proof by itself.
- Verify urgent payment or account requests through a known contact method.
- Pause before clicking, sharing, or reacting to dramatic content.
- Use trusted sources and detection tools when content may be AI-generated.
- For business requests, follow approval procedures even when the message appears to come from leadership.
- Contact HCN Bank if account information or money may have been shared.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
September 2025 · P2P payment scams
Your Money Moves Fast. Scammers Do, Too.
Person-to-person payments move fast. Services like Zelle® are designed for trusted payments, which means scam payments may be difficult to reverse once sent.
⚡Payments move fast
Transactions between enrolled users typically happen quickly.
👥Send to people you trust
Confirm the recipient before you tap send.
🚩Watch the story
Overpayments, refunds, romance requests, and impersonation pressure are red flags.
Fast payments need extra care
Scammers may pose as buyers, loved ones, bank employees, utility companies, service providers, or romantic interests. They often create a reason you need to send money now, before you have time to verify.
💸 Zelle® speed
Zelle® can be convenient for sending money to trusted people, but payments can move in minutes.
Risk: Money sent to a scammer may be hard to recover.
🧑💼 Impersonation scams
A caller or message may claim to be from a bank, utility, business, or support team.
Risk: They may coach you into sending money or sharing codes to “fix” a problem.
↩️ Refund or overpayment stories
A buyer may claim they overpaid or need you to refund money before a payment clears.
Risk: You could send real money while the original payment is fake, reversed, or never received.
❤️ Romance pressure
A person you met online may build trust before asking for help with an emergency, ticket, fee, or investment.
Risk: Emotional urgency can hide a payment scam.
🔔 Account alerts
Email, text, and account alerts can help you notice Zelle® payments and other activity quickly.
How HCN can help: Review alerts and transaction history promptly, especially after sending or receiving money.
🧑🏫 Fraud support
HCN Bank provides fraud education and support if something feels off.
Action: Contact HCN Bank using a known number if you believe you sent money as part of a scam.
Before you act
- Send money only to people and businesses you know and trust.
- Confirm the recipient and purpose before sending a payment.
- Do not send money because of pressure from a caller, buyer, seller, or online contact.
- Verify unusual requests through a known, trusted contact method.
- Review alerts and transaction history after sending or receiving payments.
- Contact HCN Bank quickly if you believe you were targeted.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Standard data and messaging rates from your mobile carrier may apply.
August 2025 · Fake banking apps
GodFather Malware Makes Apps You Can't Refuse
GodFather malware and fake banking apps can make a fraudulent app look familiar. Small signs such as unusual permissions, redirects, or unexpected behavior can help you stop before entering credentials.
📱Use official app stores
Download banking apps only from trusted app stores.
🔐Watch permissions
A banking app should not ask for unnecessary access.
🚨Notice odd behavior
Redirects, overlays, or strange screens can signal trouble.
Fake apps can look convincing
Malware may imitate legitimate banking apps, use overlay screens, or redirect users to pages that collect credentials. A familiar icon or name is not enough to prove an app is safe.
📲 Fake banking apps
Fraudulent apps may copy names, logos, and screens from real financial institutions.
Risk: You may enter credentials into an app controlled by criminals.
🧩 Overlay attacks
Malware can display a fake login screen over a real app or browser session.
Risk: Your username, password, or one-time passcode may be captured.
🔓 Unusual permissions
Requests for accessibility controls, SMS access, screen recording, or other broad permissions deserve caution.
Risk: Extra permissions can help malware read messages, capture codes, or control activity.
🪟 Redirects and pop-ups
Unexpected windows, notifications, redirects, or repeated sign-in prompts can indicate suspicious app behavior.
Risk: The app may be trying to move you to a fraudulent page.
🛡️ MFA still matters
Multi-factor authentication adds protection, but it does not help if you give a code to a fake screen or caller.
Remember: Never share one-time passcodes with anyone who contacts you unexpectedly.
🏦 Official HCN app guidance
Use official app stores and verify the app publisher before installing or updating mobile banking apps.
Action: If an app seems unusual, stop using it and contact HCN Bank through a trusted channel.
Before you act
- Download HCN Bank apps only from official app stores.
- Check the app publisher, reviews, and update history before installing.
- Be cautious with unusual permission requests or unexpected login screens.
- Keep your device and apps updated.
- Do not share one-time passcodes, PINs, or full login credentials.
- Contact HCN Bank if your mobile banking app behaves unexpectedly or account activity looks unfamiliar.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Standard data and messaging rates from your mobile carrier may apply.
July 2025 · Pig butchering scams
How Scammers Build—And Break—Your Trust
Some scams are built slowly. A scammer may create trust through social media, dating apps, or investment conversations before asking for money, access, or help moving funds.
🤝Watch trust-building
Scammers may build a relationship before asking for anything.
📈Question fake wealth
Screenshots, profits, and luxury images can be staged.
🧭Stay in control
Do not let someone else direct your money decisions.
Trust can be part of the scam
Pig-butchering scams often start with friendly conversation and move gradually toward investments, payment requests, online banking access, wire transfers, or other financial activity. The relationship may feel real because the scammer invests time first.
💬 Relationship building
Scammers may spend days, weeks, or months developing rapport through social media, dating apps, or messaging.
Risk: Trust can make later financial requests feel reasonable.
💼 Fake wealth personas
Photos, lifestyle claims, and investment screenshots may be used to create credibility.
Risk: The success story may be fabricated to make you invest or send money.
📊 Fake platforms
A scammer may direct you to an investment website or app that shows false gains.
Risk: The displayed balance may not represent real money you can withdraw.
⏱️ Urgent escalation
Once trust is built, the scammer may push a limited opportunity, emergency, or deadline.
Risk: Pressure can lead to rushed transfers, wires, or payment decisions.
🔑 Account access requests
Requests to become a signer, use your online banking, move money, or receive funds are serious warning signs.
Risk: You could lose money or become involved in suspicious financial activity.
📚 Trusted resources
Investor.gov, FINRA BrokerCheck, ReportFraud.ftc.gov, IdentityTheft.gov, CFTC, IC3.gov, and local law enforcement can help with verification and reporting.
Action: Seek independent advice before investing or sending money based on an online relationship.
Before you act
- Do not send money or invest based only on an online relationship.
- Be cautious when someone shows wealth, profits, or urgent investment opportunities.
- Verify investment professionals and platforms through independent resources.
- Do not give another person access to your online banking or accounts.
- Contact your financial institution, law enforcement, or a trusted advisor if something feels wrong.
- Report suspected fraud through appropriate reporting channels.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
June 2025 · Debit card safety
Tap Smarter. Your Debit Card Safety Guide is Here
It is easier to tap with confidence when you know what to look for. Debit card safety includes watching card readers, using Card Controls, monitoring transactions, and adding your HCN debit card to a secure digital wallet when appropriate.
💳Protect your card
Inspect readers and monitor transactions.
📱Use wallet security
Digital wallets can add a layer of protection at checkout.
🔔Turn on controls
Card Controls and alerts help you react quickly.
Safer payment habits work together
Skimming devices, data breaches, proximity scams, and fake shopping sites can all expose card information. Using secure checkout habits, Card Controls, alerts, and digital wallets can reduce risk while keeping payments convenient.
🏧 Skimming devices
Fraudsters may attach skimmers or hidden cameras to ATMs, gas pumps, or payment terminals.
Action: Inspect readers, cover your PIN, and avoid equipment that looks loose, damaged, or unusual.
🧬 Data breach cloning
Card information exposed in a breach may be used to create fraudulent transactions.
Action: Review activity often and use alerts so unusual transactions are easier to catch.
📡 Proximity scanners
Some scams rely on getting close enough to attempt to read card data.
Action: Use safer wallet habits and consider RFID protection when carrying cards.
🛒 Fake shopping sites
A fraudulent checkout page may collect your card number and personal information.
Action: Shop through trusted websites and avoid deals or links that seem suspicious.
🍎 Apple Pay & Wallet
Adding your HCN debit card to Apple Wallet lets you use Apple Pay for contactless purchases where accepted.
Benefit: Mobile wallet payments can help protect card details because the merchant does not receive your actual card number.
📲 Card Controls
HCN Bank Card Controls in the mobile app can help you manage how and where your debit card is used.
Benefit: Use controls and alerts to monitor activity, respond faster, and tap smarter.
Before you act
- Inspect card readers before inserting or tapping your card.
- Use Card Controls and transaction alerts to monitor debit card activity.
- Consider adding your HCN debit card to Apple Wallet for Apple Pay where accepted.
- Shop through trusted websites and avoid suspicious checkout pages.
- Keep your mobile device, banking app, and wallet app updated.
- Contact HCN Bank quickly if your card or account activity looks unfamiliar.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Standard data and messaging rates from your mobile carrier may apply.
Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.
Apple Pay and Touch ID are trademarks of Apple Inc.
May 2025 · Targeted scams
It's Not Random Anymore—You're the Target
Scams are becoming more personal. AI tools and leaked information can help criminals tailor messages around your name, work, habits, recent activity, or trusted contacts.
🎯Expect personalization
A message can include real details and still be fraudulent.
🗣️Verify trusted voices
Names, tone, and context can be copied.
🧩Limit oversharing
Less public information gives scammers less material.
It may not be random anymore
Scammers can combine public posts, breached data, tracking, and AI-written messages to make a text, email, or call feel like it was meant specifically for you. Familiar details should prompt verification, not automatic trust.
🧠 AI-crafted messages
Messages can sound polished, personal, and context-aware.
Risk: A convincing tone does not prove the sender is real.
🕵️ Leaked data clues
Scammers may use names, employers, recent activity, or exposed information to create credibility.
Risk: Personal details can make a fake request feel legitimate.
📣 Oversharing online
Public posts can reveal schedules, relationships, travel, purchases, or work details.
Action: Share less publicly and review privacy settings on social platforms.
☎️ Trusted contact impersonation
A scammer may imitate IT staff, a supervisor, a vendor, or a familiar organization.
Risk: You may be pushed to click, pay, reset credentials, or share sensitive information.
📱 App tracking and browsing
Tracking and activity patterns can support more targeted messages.
Action: Review app permissions, limit tracking when possible, and use privacy tools thoughtfully.
🏦 HCN fraud detection
Account monitoring, alerts, and quick reporting can help identify suspicious activity sooner.
How HCN can help: Review account activity and contact HCN Bank if a targeted message leads to account concerns.
Before you act
- Pause when a message uses personal details to create urgency or trust.
- Verify requests through a known phone number, app, or official website.
- Limit what you share publicly about work, travel, purchases, and routines.
- Review app permissions and privacy settings.
- Be cautious when someone impersonates IT, a vendor, or a familiar organization.
- Set account alerts and contact HCN Bank if something feels off.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
¹Standard data and messaging rates from your mobile carrier may apply.
April 2025 · Fake purchase alerts
Order Confirmed: Scam in Process
Fake purchase alerts and refund messages can make people click quickly. A message may claim an order was confirmed, a refund is pending, or your account must be verified.
🧾Check the order
Confirm purchases through the merchant directly.
☎️Avoid fake support
Do not use phone numbers from suspicious alerts.
🔐Protect access
Do not share codes or approve remote access.
A fake order can start a larger scam
A message may claim you purchased something expensive and urge you to click, call, or verify. From there, scammers may impersonate support, request remote access, or ask for account information.
📦 Fake purchase alerts
A text or email may say an order was confirmed even though you did not buy anything.
Risk: The alert may be bait to make you click or call a fake support number.
↩️ Refund schemes
Scammers may claim they can cancel or refund the charge if you follow their instructions.
Risk: They may ask for account access, payment details, or verification codes.
🧑💻 Remote access requests
Fake support may ask to view or control your device to “fix” the issue.
Risk: Remote access can expose files, credentials, online banking, and personal information.
🧊 Account freeze pressure
Urgent language may claim your account will be locked unless you act now.
Risk: Pressure is designed to override careful verification.
🔔 Account Alerts
HCN Bank Account Alerts can help you monitor transactions and account activity.
How HCN can help: Use alerts through online or mobile banking and review unfamiliar activity promptly.
🔐 Secure Access Options
MFA, soft tokens, and hard tokens help protect access when used correctly.
Reminder: Never share one-time passcodes or approve access because someone unexpectedly asks you to.
Before you act
- Do not click purchase, refund, or delivery links in unexpected messages.
- Go directly to the merchant’s official website or app to verify real orders.
- Do not call phone numbers listed in suspicious messages.
- Never give unsolicited support remote access to your computer or phone.
- Use Account Alerts and secure access options to monitor and protect account activity.
- Contact HCN Bank if the message appears tied to your account or payment information.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
¹Standard data and messaging rates from your mobile carrier may apply.
March 2025 · Tax scams
File Your Taxes, Not a Police Report!
Tax season can bring fake IRS messages, shady tax preparers, refund scams, and identity theft attempts. Filing safely means verifying who you work with and protecting refund and account information.
🧾Choose preparers carefully
Use trusted tax professionals and IRS resources.
🏛️Verify IRS claims
The IRS will not handle urgent threats by random text or email.
💳Protect refunds
Use account alerts and direct deposit carefully.
Tax scams target both identity and money
Scammers may pose as the IRS, promise larger refunds, send phishing links, or pressure you to share personal information. Fraudulent tax activity can affect refunds, accounts, and your identity.
🧑💼 Shady tax preparers
Some preparers promise unusually large refunds, avoid signing returns, or ask you to bend the rules.
Risk: You are responsible for what is filed, even if someone else prepared it.
📨 IRS phishing
Fake emails, texts, or calls may claim urgent tax action, refunds, or penalties.
Risk: Links may collect Social Security numbers, bank details, or login credentials.
🎭 IRS impersonation
Scammers may pretend to be from the IRS and demand immediate payment or personal information.
Action: Verify IRS contact through official IRS channels before responding.
💰 Direct deposit refunds
Direct deposit can help get refunds into the right account when account details are entered correctly.
How HCN can help: Use a trusted HCN account and confirm routing/account details before filing.
📱 Mobile alerts & Card Controls
Mobile banking alerts and Card Controls can help monitor account and debit card activity during tax season.
Benefit: Alerts can help you spot unusual activity faster.
🏦 HCN checking support
An HCN checking account and instant-issued debit card can help you receive and use funds securely.
Reminder: Review account terms, opening requirements, and fees before opening a new account.
Before you act
- Research tax preparers and use the IRS Directory when appropriate.
- Do not click refund, penalty, or urgent tax links in unexpected messages.
- Verify IRS claims through official IRS contact methods.
- Use trusted account information for direct deposit.
- Set mobile banking alerts and Card Controls to monitor account activity.
- Contact HCN Bank if tax-related fraud affects your account information.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
¹Standard opening procedures apply. $100 minimum to open. Other fees, including NSF fees, may apply.
²Standard data and messaging rates from your mobile carrier may apply.
February 2025 · Romance scams
Swipe Left on Romance Scammers
Romance scammers use fake affection to steal real money. They may build trust through dating apps, social media, or messaging before asking for help, payment, or account access.
❤️Slow the relationship
Fast affection and urgency deserve caution.
🔍Check the profile
Images, stories, and identities may be stolen.
💸Do not send money
Requests for funds are a major warning sign.
Fake love can become financial pressure
A scammer may avoid meeting, claim emergencies, request gift cards or cryptocurrency, ask for travel money, or mirror your interests to build trust. The story may become more urgent after you are emotionally invested.
🖼️ Stolen images
Profile photos may be copied from another person or generated to look believable.
Action: Use reverse image search and be cautious when details do not match.
🎥 Avoiding video or meetings
The person may make excuses about military service, overseas work, travel, or poor connections.
Risk: Avoidance can keep a fake identity from being exposed.
⚡ Love-at-first-text
Intense affection, future plans, or exclusive language may arrive quickly.
Risk: Fast emotional bonding can lower your guard.
🚑 Sob stories and emergencies
Requests may involve medical bills, legal trouble, travel costs, tickets, or frozen funds.
Risk: The problem may be invented to make you send money.
🎁 Gift cards and crypto
Scammers often request payment methods that are hard to reverse or trace.
Action: Never send gift cards, crypto, wires, or account access to someone you have not met in person.
📣 Reporting and recovery
Report romance scams to the FTC, IC3, the platform, and your financial institution when appropriate.
Action: Change passwords, enable 2FA, block the scammer, and review transactions.
Before you act
- Never send money to someone you have not met in person.
- Use video calls and reverse image searches to help verify identity.
- Be skeptical of emergencies, travel costs, legal trouble, or gift-card requests.
- Talk with a trusted friend or family member before sending money.
- Report suspected romance scams and block the scammer.
- Contact HCN Bank quickly if you shared account information or sent funds.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
January 2025 · Malvertising
Outsmarting Malvertising
Malvertising uses online ads to lead people toward fake websites, phishing pages, malware downloads, or identity theft. A sponsored result or polished ad can still be unsafe.
📢Question ads
A promoted result is not always trustworthy.
🔗Check the URL
Lookalike web addresses can hide phishing pages.
🧰Know recovery steps
Identity theft support matters if information is exposed.
Ads can be part of the trap
Malicious ads may appear in search results, on websites, or in social media feeds. They can redirect users to fake pages that look professional and ask for credentials, payments, or personal information.
🔎 Sponsored ads
Scammers may buy ads that appear above legitimate search results.
Risk: The first result may not be the official site.
🌐 Lookalike URLs
Fraudulent sites may use misspellings, extra words, or similar domain names.
Risk: You may believe you are on a trusted site while entering information elsewhere.
🦠 Malware downloads
A malicious ad may encourage software downloads, browser updates, or security tools.
Risk: The download may install malware or spyware.
🔐 Phishing pages
Fake sign-in screens may collect usernames, passwords, card numbers, or verification codes.
Risk: Credentials can be used to access accounts quickly.
🧰 Identity Theft Kit
HCN Bank’s Free Identity Theft Emergency Repair Kit can help if your information is compromised.
How HCN can help: The kit provides guidance, support resources, fraud-alert steps, and education.
🏦 Safer account setup
A trusted HCN account and account monitoring tools can support recovery and ongoing protection.
Reminder: Review account-opening requirements and fees before opening a new account.
Before you act
- Avoid clicking suspicious ads, especially for banking, support, software, or urgent account issues.
- Type important web addresses directly or use saved bookmarks.
- Check URLs carefully before entering credentials or payment information.
- Do not download software from ads or pop-ups.
- Use identity theft resources quickly if your information is exposed.
- Contact HCN Bank if account information may have been compromised.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
¹Standard opening procedures apply. $100 minimum to open. Other fees, including NSF fees, may apply.
²Standard data and messaging rates from your mobile carrier may apply.
December 2024 · Check washing
Check Washing Scams
Check washing scams involve stolen checks, erased ink, rewritten payees or amounts, and intercepted mail. Holiday mail volume and extra transactions can create more opportunities for check fraud.
✉️Protect mail
Use secure options for outgoing and incoming checks.
🖊️Write safer checks
Black gel ink is harder to alter.
🏢Use business controls
Positive Pay can help businesses catch altered checks.
Check fraud often starts with mail
Criminals may steal checks from mailboxes, use chemicals to remove ink, rewrite payment details, and attempt to cash or deposit altered checks. Secure mail habits and monitoring are especially important during busy seasons.
📬 Mailbox theft
Checks can be stolen from home mailboxes, business mailboxes, or unsecured outgoing mail.
Action: Use locked mailboxes, post office drop-off, or other secure mailing methods.
🧪 Ink removal
Fraudsters may use chemicals to remove payee names or amounts.
Action: Use black gel ink and avoid leaving blank spaces on checks.
🔁 Holiday reroutes
Mail holds, travel, and delivery changes can create gaps where checks sit unattended.
Risk: Delayed pickup can increase exposure to theft.
📊 Account monitoring
Review cleared checks and account activity so altered items are easier to spot.
Action: Report suspicious check activity quickly.
💻 Digital payments
When appropriate, digital payments can reduce risks tied to physical checks and mail theft.
Benefit: Use secure online payment options for bills and known payees.
✅ Positive Pay
Positive Pay helps businesses compare checks presented for payment against an approved transaction list.
How HCN can help: It can strengthen fraud detection, provide review opportunities, reduce risk, simplify operations, and add peace of mind.
Before you act
- Use a locked mailbox or drop checks off at the post office.
- Write checks with black gel ink and complete all fields carefully.
- Retrieve incoming mail quickly or request a hold when away.
- Review cleared checks and account activity regularly.
- Use secure digital payments when appropriate.
- For businesses, consider HCN Bank Positive Pay to help verify checks presented for payment.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
November 2024 · Holiday scams
Holiday Scams
Holiday scams target shoppers, donors, and package recipients. Fake charities, gift card scams, delivery messages, and counterfeit stores can all appear during the season.
🎁Verify stores
Research unfamiliar retailers before buying.
💝Check charities
Confirm organizations before donating.
🚚Review delivery texts
Avoid links in unexpected shipping messages.
Holiday urgency helps scams spread
Busy schedules, gift deadlines, and charitable giving can make people act quickly. Scammers use that pace to push fake deals, fake charities, gift card requests, and delivery links.
💝 Charity scams
Fake charities may use emotional stories, disasters, or holiday giving to request donations.
Action: Verify through trusted resources such as BBB Wise Giving Alliance or Charity Navigator.
🎟️ Gift card scams
Scammers may request payment by gift card or tamper with cards in stores.
Risk: Gift card payments are difficult to reverse and often requested by fraudsters.
📦 Package delivery scams
A fake delivery notice may ask you to click a link or pay a small fee.
Risk: The link may collect personal information or payment details.
🛒 Fake online stores
Counterfeit websites may advertise popular gifts or unusually low prices.
Risk: You may receive counterfeit goods, nothing at all, or lose card information.
🔎 Retailer research
Reviews, contact information, URL checks, and direct navigation help confirm legitimacy.
Action: Type the retailer’s website yourself instead of relying on unsolicited links.
📊 Account monitoring
Review bank and credit card statements throughout the season.
How HCN can help: Contact HCN Bank quickly if you notice unauthorized activity.
Before you act
- Verify charities before donating.
- Research unfamiliar retailers before purchasing.
- Avoid gift-card payments requested by strangers or urgent messages.
- Do not click delivery links in unsolicited emails or texts.
- Type official websites directly into your browser.
- Monitor statements and report unauthorized transactions quickly.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
October 2024 · Disaster scams
Disaster Scams
After major disasters, scammers may exploit urgency and emotion with fake charities, malicious links, and AI-generated images. Verify before donating or sharing.
🌪️Pause after disasters
Emotion and urgency can make scams harder to spot.
💝Verify charities
Donate through trusted organizations.
🖼️Question images
AI-generated visuals can be used to mislead.
Disaster scams use real events
Scammers may reference hurricanes, fires, floods, or other disasters to create fake donation pages, emotional social posts, or malicious messages. A real tragedy can still be used in a fraudulent request.
🏚️ Fake charities
Fraudulent organizations may copy names or create pages that sound like legitimate relief groups.
Action: Verify charities through trusted, independent resources before donating.
🔗 Malicious links
Unsolicited emails, texts, or posts may include donation links or urgent updates.
Risk: Links may lead to phishing pages or malware.
🖼️ AI-generated images
Emotional photos may be created or altered to increase donations and shares.
Risk: A powerful image does not prove the story or fundraiser is legitimate.
⏱️ Impulse donations
Urgent language can push people to give before checking the organization.
Action: Slow down and donate directly through trusted charity websites.
💳 Payment safety
Scammers may request unusual payment methods or steer you away from standard donation channels.
Risk: Some payment methods are difficult to trace or recover.
📊 Account review
If you entered payment information on a questionable page, monitor account activity.
How HCN can help: Contact HCN Bank quickly if your card or account information may be exposed.
Before you act
- Verify charities before donating.
- Avoid donation links in unsolicited messages or social posts.
- Do not rely on images, videos, or emotional headlines as proof.
- Donate directly through trusted charity websites.
- Be cautious of unusual payment methods.
- Review account activity if you entered payment information on a questionable site.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
September 2024 · Job offer scams
Job Offer Scams
Job offer scams may promise easy work, high pay, or immediate hiring while asking for money, personal information, or banking details too early.
💼Question easy offers
High pay for little work can be bait.
🪪Protect personal data
Do not share sensitive details too early.
💸Do not pay upfront
Legitimate employers should not require surprise fees.
A job offer can be a setup
Scammers may pose as employers or recruiters, offer remote work quickly, request bank or Social Security information, or ask for payment for equipment, training, or background checks.
📈 Too-good-to-be-true jobs
High pay, flexible work, and immediate hiring may be used to attract applicants.
Risk: The job may not exist or may be designed to collect information.
🧾 Upfront fees
Scammers may ask you to pay for equipment, training, background checks, or supplies.
Risk: You may lose money before discovering the employer is fake.
🏦 Banking details
A fake employer may request direct deposit information before legitimacy is confirmed.
Risk: Account information can be misused.
🪪 Personal information
Requests for Social Security numbers, ID documents, or tax forms too early are warning signs.
Action: Verify the employer and hiring process first.
🔎 Company research
Check the company website, recruiter identity, domain, and public contact information.
Action: Use verified contact details, not only the information in the message.
⏱️ Urgent decisions
A scammer may pressure you to accept quickly or keep the process secret.
Risk: Pressure reduces the chance you will verify the offer.
Before you act
- Research the employer before sharing information.
- Be cautious of unsolicited remote job offers with high pay and little detail.
- Do not pay upfront fees for training, equipment, or background checks.
- Verify recruiter contact details independently.
- Do not provide bank details for direct deposit until the employer is verified.
- Contact HCN Bank if you shared account information with a suspicious employer.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
August 2024 · Online shopping scams
Online Shopping Scams
Online shopping is convenient, but fake stores, phishing emails, unsecured transactions, and unrealistic deals can expose card and personal information.
🛒Use trusted stores
Research unfamiliar sellers before buying.
🔒Check checkout security
Look for secure pages and correct URLs.
📊Monitor statements
Review transactions after shopping online.
Convenience still needs caution
Scammers create fake stores, send phishing deals, and copy product pages to collect card information. A professional-looking site and low price do not prove the seller is legitimate.
🏬 Fake websites
Counterfeit stores may copy product photos, logos, and checkout pages.
Risk: You may pay for goods that never arrive or expose card information.
✉️ Phishing emails
Deal emails may lead to fake login or payment pages.
Risk: Links can collect credentials, payment details, or personal information.
🔐 Unsecured transactions
Sites without secure checkout or with unusual payment requests deserve caution.
Action: Check the URL and payment process before entering card information.
🏷️ Unrealistic deals
Very low prices or limited-time pressure can be used to rush shoppers.
Risk: The deal may be bait for a fake seller.
📶 Public Wi-Fi caution
Shopping on public Wi-Fi can increase exposure if the connection is not secure.
Action: Use trusted networks or a VPN when appropriate.
💳 Statement monitoring
Review card and account activity after online purchases.
How HCN can help: Contact HCN Bank quickly if you see unauthorized transactions.
Before you act
- Shop with trusted retailers and research unfamiliar sellers.
- Check website addresses carefully before entering payment information.
- Avoid deals that seem too good to be true.
- Do not click suspicious shopping links in emails, texts, or ads.
- Avoid entering card details on unsecured public Wi-Fi.
- Monitor account and card activity after online purchases.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
July 2024 · Mobile security
Mobile Device Security
Mobile devices hold banking access, email, photos, contacts, and personal information. Keeping them secure helps reduce risks from malware, phishing, unauthorized access, and identity theft.
📱Update devices
Install security updates for phones and apps.
🔐Use strong locks
Passcodes and biometrics protect access.
📶Use safer networks
Be cautious with public Wi-Fi and Bluetooth.
Your phone is part of your financial security
A mobile device can contain everything a scammer needs to reach email, banking, payment apps, and identity information. Strong mobile habits make account protection stronger.
🦠 Malware
Malicious apps or links can install software that steals information or changes device behavior.
Action: Install apps only from official stores and keep devices updated.
🎣 Mobile phishing
Texts, emails, and social messages may push links to fake pages.
Risk: Mobile screens can make suspicious URLs harder to inspect.
🔓 Unauthorized access
A lost or unlocked device can expose email, banking apps, and stored information.
Action: Use strong passcodes, biometrics, auto-lock, and remote wipe features.
📶 Public Wi-Fi
Unsecured networks can increase risk when signing in or transmitting sensitive information.
Action: Use trusted networks or a VPN when appropriate.
🔵 Bluetooth caution
Leaving Bluetooth open unnecessarily may increase exposure to unwanted connections.
Action: Turn off wireless features when not needed.
🏦 Official apps
Use official HCN Bank apps and verify app sources before installing or updating.
How HCN can help: Monitor mobile banking activity and contact HCN Bank if something appears unusual.
Before you act
- Keep your phone operating system and apps updated.
- Use a strong passcode, biometrics, and automatic lock.
- Download banking and payment apps only from official app stores.
- Avoid suspicious links in texts, emails, and social messages.
- Use trusted networks or a VPN for sensitive activity.
- Enable remote wipe and keep important data backed up.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
Disclosures
Standard data and messaging rates from your mobile carrier may apply.
June 2024 · Romance scams
Romance (“Sweetheart”) Scams
Romance or “sweetheart” scams involve fake profiles and emotional manipulation. Scammers may build a relationship before asking for money, personal information, or account access.
💕Watch emotional speed
Fast closeness can be part of the setup.
🌍Question excuses
Travel, military, or overseas stories may explain why they cannot meet.
💸Protect your money
Requests for funds are serious warning signs.
Romance scams build trust first
A scammer may create a fake dating or social profile, avoid meeting in person, share emotional stories, and eventually ask for travel money, medical help, emergency funds, or sensitive information.
👤 Fake profiles
Scammers may use stolen photos, fabricated identities, or carefully crafted profiles.
Action: Verify identity with video calls and independent checks.
🚫 Avoiding meetings
Excuses about distance, military service, emergencies, or work travel may continue for weeks.
Risk: Avoidance can prevent the fake identity from being discovered.
💔 Emotional manipulation
The relationship may move quickly with affection, secrecy, or promises.
Risk: Strong feelings can make financial requests harder to question.
🚑 Emergency stories
Requests may involve medical issues, travel problems, legal trouble, or family emergencies.
Risk: These stories are often designed to create urgency.
🎁 Payment requests
Gift cards, wires, crypto, and bank transfers are common scam payment methods.
Action: Do not send money to someone you have not met in person.
📣 Reporting
Romance scams can be reported to the FTC, IC3, the platform, and law enforcement when appropriate.
How HCN can help: Contact HCN Bank quickly if funds or account information were shared.
Before you act
- Do not send money to someone you have not met in person.
- Be cautious when someone avoids video calls or in-person meetings.
- Verify photos and profile details independently.
- Talk with someone you trust before sending money or sharing information.
- Report suspected romance scams to appropriate channels.
- Contact HCN Bank if account information or funds may be at risk.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
May 2024 · Business email compromise
Business Email Compromise: A Growing Threat
Business Email Compromise is a serious threat to organizations of all sizes. Scammers may spoof or compromise email accounts to redirect payments, change instructions, or steal information.
🏢Protect workflows
Payment changes need strong verification.
📧Question email changes
A familiar sender can still be compromised.
✅Use controls
Dual approval and call-back procedures reduce risk.
BEC targets business trust
Fraudsters may impersonate executives, vendors, suppliers, employees, or trusted partners. They often focus on wire transfers, ACH files, invoice changes, payroll updates, or sensitive business information.
📧 Email spoofing
A message may appear to come from an executive, vendor, or known employee.
Risk: The sender name can look familiar while the address or request is fraudulent.
🔓 Compromised accounts
A legitimate email account may be hacked and used to send believable requests.
Risk: Normal email history can make a fraudulent request harder to spot.
💸 Payment changes
Requests to change wire, ACH, or invoice instructions should be verified separately.
Action: Confirm through a known phone number before changing payment details.
🧑🏫 Employee education
Staff should recognize urgency, secrecy, and unusual payment instructions.
Benefit: Training helps teams pause before moving money or data.
🔐 MFA and access controls
Multi-factor authentication and strong email security can reduce account compromise.
Action: Protect email, treasury, and administrative accounts with layered controls.
🏦 Treasury controls
Positive Pay, ACH controls, dual approvals, and call-back verification can help businesses reduce fraud risk.
How HCN can help: Work with HCN Bank to evaluate business fraud-prevention controls.
Before you act
- Verify payment changes through a known, trusted phone number.
- Use dual approvals for wires, ACH files, and sensitive payment changes.
- Train employees to recognize urgent or unusual financial requests.
- Protect email and treasury access with strong passwords and MFA.
- Review vendor and employee payment changes carefully.
- Consider Positive Pay, ACH controls, and other Treasury Management safeguards.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
April 2024 · Smishing
Beware of Smishing Scams
Smishing is SMS phishing. Scammers send text messages that impersonate trusted entities and push people to click links, share information, or take urgent action.
💬Question texts
A text can look official and still be fraudulent.
🔗Avoid links
Do not tap suspicious links from unexpected messages.
🏦Verify directly
Use official apps, websites, or trusted numbers.
Text messages can create false urgency
Smishing messages may claim there is an account issue, prize, delivery problem, payment alert, or urgent security matter. The link may lead to malware or a fake website.
🏦 Trusted-entity impersonation
Scammers may pretend to be a bank, delivery company, government agency, or retailer.
Risk: A familiar name can make the message feel legitimate.
🚨 Urgent action claims
Texts may warn that an account will close or a payment will fail unless you respond.
Risk: Urgency is designed to make you click before verifying.
🎁 Prize or refund bait
Messages may promise a prize, refund, or delivery if you provide details.
Risk: The request may be used to collect personal or payment information.
🔗 Phishing links
Links can lead to fake sign-in pages or forms that ask for sensitive information.
Risk: Your credentials or verification codes may go directly to criminals.
🦠 Malware links
Some links may try to install malicious software or prompt unsafe downloads.
Action: Close the message and avoid downloading anything from unexpected texts.
🔐 HCN text reminder
HCN Bank will not ask for sensitive login credentials through unsolicited text messages.
Action: Use official HCN Bank channels to verify account concerns.
Before you act
- Do not tap links in unexpected text messages.
- Do not reply with passwords, one-time passcodes, PINs, or account details.
- Verify messages through official apps, websites, or known phone numbers.
- Delete suspicious texts after reporting if appropriate.
- Keep your mobile device and security settings updated.
- Contact HCN Bank if a suspicious text appears related to your account.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
March 2024 · Tech support scams
Beware of Tech Support Scams
Tech support scams involve criminals posing as legitimate support representatives. They may use pop-ups, calls, emails, or fake alerts to gain device access or payment.
🖥️Question pop-ups
Browser warnings can be fake.
☎️Do not call fake numbers
Use official support channels.
🚫Block remote access
Do not grant control to unsolicited support.
Fake support creates a fake emergency
Scammers may claim your computer is infected, your account is compromised, or immediate repair is required. They may request remote access, payment, or credentials.
⚠️ Fake virus warnings
A pop-up may claim your device is infected or locked.
Risk: The warning may push you to call a scammer.
☎️ Unsolicited calls
A caller may claim to represent a software company, bank, or support team.
Risk: Legitimate support generally does not call unexpectedly to demand access.
🔗 Phishing emails
Emails may include support links, invoices, or security alerts.
Risk: Links may lead to fake support pages or malware.
🧑💻 Remote access
Scammers may ask to control your computer or phone.
Risk: They can view files, online banking, email, and saved credentials.
💳 Fake repair fees
A scammer may charge for unnecessary services or subscriptions.
Risk: Payment information may be stolen or reused.
📣 Reporting
Tech support scams can be reported to the FTC, local authorities, and affected companies.
Action: Disconnect, close suspicious windows, and contact trusted support directly.
Before you act
- Do not call phone numbers shown in unexpected pop-ups.
- Do not grant remote access to unsolicited support callers.
- Close suspicious browser windows when safe to do so.
- Use official company websites or known support numbers.
- Do not share online banking credentials, passcodes, or card details with support callers.
- Contact HCN Bank if a scammer viewed financial information or account access.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
February 2024 · Identity theft
Understanding Identity Theft
Identity theft happens when someone uses personal information to commit fraud, open accounts, make purchases, access benefits, or impersonate another person.
🪪Protect personal data
Limit access to documents and sensitive details.
📬Secure your mail
Mail theft can expose account and identity information.
📊Monitor accounts
Early detection helps limit damage.
Identity theft can start many ways
Scammers may use phishing emails, phone scams, data breaches, skimming devices, stolen mail, or discarded documents to gather information. Monitoring and quick reporting can reduce harm.
✉️ Email scams
Phishing messages may ask for passwords, Social Security numbers, or account details.
Risk: Information entered on fake pages may be used for fraud.
☎️ Phone scams
Callers may pose as banks, agencies, or companies to request sensitive information.
Action: Hang up and verify through trusted contact information.
🧾 Data breaches
Exposed information from other companies can be used in identity theft attempts.
Action: Watch accounts and credit reports after breach notices.
💳 Skimming devices
Card readers can be tampered with to capture card information.
Risk: Stolen card data may support fraudulent transactions.
📬 Stolen mail
Mail can include checks, statements, tax forms, and personal details.
Action: Use secure mail practices and shred sensitive documents.
🧰 Identity Theft Kit
HCN Bank identity theft resources can help customers organize response steps.
How HCN can help: Contact HCN Bank if your identity theft concern involves accounts, cards, or banking information.
Before you act
- Shred documents containing personal or financial information.
- Secure incoming and outgoing mail.
- Use strong passwords and multi-factor authentication.
- Monitor accounts and credit reports for unfamiliar activity.
- Report compromised identity information quickly.
- Contact HCN Bank if account information may be exposed.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
January 2024 · Check fraud
Understanding Check Fraud
Check fraud can involve forged checks, altered amounts, counterfeit checks, fake checks, or overpayment scams. Safer payment habits and monitoring can reduce exposure.
🧾Watch check changes
Altered payees or amounts are warning signs.
💻Use safer payments
Electronic options can reduce physical check risk.
✅Add business controls
Positive Pay can help businesses review presented checks.
Check fraud takes several forms
Criminals may forge signatures, alter amounts, create counterfeit checks, use stolen account information, or send fake checks as part of an overpayment/refund scam.
✍️ Forged checks
A fraudster may sign or create checks without authorization.
Risk: Unauthorized checks may clear if they are not caught quickly.
🧪 Altered checks
Payees or amounts can be changed after a legitimate check is stolen.
Action: Review cleared check images and report discrepancies quickly.
🖨️ Counterfeit checks
Fake checks may be created using copied account information.
Risk: Counterfeit items can affect both consumers and businesses.
↩️ Overpayment scams
A scammer may send a fake check, claim they overpaid, and ask for money back.
Risk: You may send real money before the fake check is returned.
💻 Electronic payments
Bill Pay and other secure electronic payment options can reduce physical check exposure.
Benefit: Use trusted payment channels when appropriate.
✅ Positive Pay
For businesses, Positive Pay can compare checks presented for payment against an approved list.
How HCN can help: This can help identify altered or unauthorized checks before payment decisions are finalized.
Before you act
- Store checks securely and limit access to account information.
- Use secure mail or electronic payments when appropriate.
- Review account activity and cleared check images regularly.
- Be cautious with overpayment or refund requests involving checks.
- Report lost, stolen, altered, or counterfeit checks quickly.
- Businesses should consider Positive Pay and other check-fraud controls.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
December 2023 · Phone spoofing
Have You Heard About This Phone Spoofing Scam?
Phone spoofing scams can make caller ID display a trusted bank number even when the call is not from the bank. Verification is essential before sharing any information.
📞Caller ID can lie
A familiar number does not prove who is calling.
🔐Guard credentials
Never share passwords, PINs, or one-time passcodes.
↩️Call back safely
Use a known, trusted phone number.
Spoofed calls are designed to feel official
A scammer may claim to represent a bank, warn of fraud, offer a bogus service, or create urgency. They may ask for account numbers, passwords, PINs, or verification codes.
☎️ Spoofed caller ID
Technology can make a scam call appear to come from a legitimate number.
Risk: You may believe you are speaking with HCN Bank or another trusted organization.
🏦 Bank impersonation
A caller may claim to be from your bank’s fraud, security, or support team.
Risk: The goal may be to collect credentials or passcodes.
🔑 Credential requests
Requests for passwords, PINs, full account numbers, or one-time passcodes are major warning signs.
Action: Do not provide sensitive credentials to unexpected callers.
⏱️ Urgency tactics
Scammers may say your account is at risk or action is needed immediately.
Risk: Pressure is used to stop you from verifying.
🧾 Bogus services
The caller may offer help, account protection, refunds, or fraud removal.
Risk: The “service” may be a way to collect information or payments.
📲 Safe call-back
End the call and contact the bank using a known, trusted number.
How HCN can help: Call HCN Bank directly before responding to unexpected account requests.
Before you act
- Do not trust caller ID by itself.
- Never share passwords, PINs, one-time passcodes, or full online banking credentials with unexpected callers.
- Hang up if a caller pressures you to act immediately.
- Call the bank back using a known, trusted phone number.
- Review account activity after any suspicious call.
- Contact HCN Bank if you shared information or think the call involved your account.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
November 2023 · Social media attacks
Have You Seen This Social Media Attack?
Social media attacks can target business accounts through messages on platforms such as Facebook Messenger and LinkedIn. Unexpected links or attachments may install malware or steal information.
💬Question messages
Business messages can carry malicious links.
📎Avoid attachments
Unexpected files may install malware.
🏢Protect accounts
Business profiles and credentials need extra care.
Social platforms are part of business risk
Attackers may send messages that appear to relate to business pages, ads, job opportunities, or account notices. A single click can expose credentials, install malware, or compromise sensitive business information.
📨 Platform messages
Scammers may contact users through Facebook Messenger, LinkedIn, or other social tools.
Risk: A business-related message may actually be an attack.
🔗 Malicious links
Links may lead to fake login pages or unsafe downloads.
Risk: Credentials and account access may be stolen.
📎 Unexpected attachments
Files may appear to be invoices, resumes, notices, or business documents.
Risk: Opening them may install malware.
⌨️ Keystroke spying
Malware can record typing and capture passwords or sensitive information.
Risk: Business and banking credentials may be exposed.
🏢 Business account targeting
Attackers may try to access advertising accounts, pages, contacts, or customer data.
Risk: Compromise can affect both the business and its customers.
🔐 Safer account habits
MFA, careful link review, and permission management help reduce risk.
Action: Verify messages through trusted channels before clicking or entering credentials.
Before you act
- Do not open unexpected attachments from social media messages.
- Check links carefully before signing in or downloading files.
- Use multi-factor authentication on social media and business accounts.
- Limit page/admin permissions to people who need access.
- Verify unusual business messages through another trusted channel.
- Contact HCN Bank if business or banking credentials may have been exposed.
Before you click, share information, send money, or sign in, take one extra step to verify the request, website, source, or message.
HCN Bank reminder
HCN Bank will never contact you unexpectedly and ask for your password, one-time passcode, or full online banking credentials. HCN Bank will not ask you to provide sensitive login credentials through unsolicited phone calls, emails, or text messages. Scammers may falsely claim to represent HCN Bank, the FDIC, or law enforcement. If you receive an unexpected request or something feels off, do not respond or click. Call HCN Bank at (951) 766-4100 using a known, trusted number.
