Safeguarding your personal and financial information is a responsibility we take very seriously at Border State Bank. However, you should also remain vigilant against potential threats to "Identity Theft". Identity Theft affects millions of people each year.

Thieves can get your personal information by many means, both technology based and people based, including, but not limited to:

  • Stealing your purse or wallet
  • Pilfering information from your mail box such as bank statements and pre-approved credit card applications
  • Obtaining your Driver's License number or Social Security number if imprinted on your personal checks
  • Observing your transactions at ATMs or store check-out terminals to capture your personal identification number (PIN)
  • Going through trash for credit card receipts or loan applications
  • Utilizing different types of fraud (e.g. Phishing, Vishing or SMiShing scam)
  • Operating other common fraud schemes and scams. The FBI maintains a current listing of these schemes and scams on its website:

Here are a few simple tips to always keep in mind:

  • Get notified with Border State Bank Account Alerts* sent by text, email, or App for your personal accounts
  • Border State Bank Online Banking and Mobile Banking are great resources for monitoring your accounts and transactions*
  • Change your password at least every 90 days
  • Never disclose personal information to anyone without authorization to access your accounts. Unless you initiate the contact or we are completing an application for you, Border State Bank will NOT request your personal information (e.g. account number, PIN, Social Security number, or mother’s maiden name) through email, U.S. mail or phone
  • Do not print your driver’s license number or Social Security number on personal checks
  • Report lost or stolen checks or bank cards immediately
  • Store new and cancelled checks in a secure location
  • Select and memorize a PIN that never uses information readily found in your wallet or purse (e.g. your house number or date of birth)
  • Promptly review monthly financial statements yourself and report any discrepancies immediately. Never ignore suspicious charges on your statements. If regular bills or statements stop coming to you, call the company's customer service number to determine if someone has filed a false change-of-address notice to divert your mail
  • Retain all receipts from ATM, debit and credit card transactions until they have been reconciled to your statements and ensure your account number is not readable when you dispose of them
  • Be sure to sign new bankcards immediately
  • Only carry important documents as needed (e.g. Social Security card, passport or birth certificate). If lost or stolen, a thief could use them
  • Destroy cards you no longer use, making sure the numbers are not recognizable
  • Shred unnecessary financial documents, including old bank statements, invoices, and unwanted pre-approved credit offers
  • Never provide your financial information to an unfamiliar website
  • Be careful in responding to “Work from Home” ads as this is a common method for fraudsters to attract money mules unknowingly. Money mules transfer money acquired illegally on behalf of others and are typically paid a small part of the money transferred for their services
  • Report suspicious emails or phone inquiries (e.g. requesting account information to “award a prize” or “verify a statement”) to your phone company, Border State Bank or the local authorities. Call Border State Bank to report this activity.
  • Forward any suspicious emails to that appear to be from Border State Bank and request that you click on a link to enter your login credentials or personal information
  • Consistently validate that each of your computers has up-to-date software installed including operating system, personal firewall, anti-virus, anti-spyware and current browser. Ensure your anti-virus and anti-spyware software is enabled and performing scans on a regular basis. Use reputable internet tools to scan your browser for known vulnerabilities.

If you believe you have been a victim of fraud related to your Border State Bank accounts, notify us immediately by calling your local Border State Bank, so we can take action to help you. A formal complaint can also be filed with the Internet Crime Complaint Center (IC3) at

*Use of these features and services requires internet and/or data access through a computer or mobile device. Subject to availability and the same limitations as any service available through the internet. Border State Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. Border State Bank reserves the right to suspend service for any reason at any time. Your mobile carrier’s text messaging and data charges may apply.