Fraud Prevention Center

Stay One Step Ahead of Scammers

Your financial security is our priority. Fraudsters are constantly changing their tactics, using phone calls, text messages, emails, social media, and even artificial intelligence (AI) to target consumers.

The good news? Knowing what to look for is one of the best defenses against fraud. If something doesn’t feel right, trust your instincts and contact us immediately.

Report Suspicious Activity:

• Call Jersey Shore at 609-646-3339
• Use the secured messaging within your Mobile Banking App

Current Scam Alerts

Beware of Impersonation Scams

Scammers often pretend to be trusted organizations, including financial institutions, government agencies, utility companies, or well-known businesses.

Red Flags:

• Urgent requests for immediate action
• Threats to close accounts or suspend services
• Requests for passwords, verification codes, or account information
• Unexpected phone calls, emails, or text messages

Remember:

We will never call, text, or email asking for:

• Your online banking password
• One-time security codes
• Debit card PINs
• Full account credentials

If you receive a suspicious message claiming to be from us, contact us directly at 609-646-3339

Text Message (Smishing) Scams

Fraudsters send text messages designed to look legitimate and encourage you to click a link or provide sensitive information.

Common Messages:

• “Your account has been locked.”
• “Unusual activity detected.”
• “Verify your identity immediately.”
• “Package delivery failed.”

How to Protect Yourself:

• Don’t click unexpected links
• Verify messages directly with the sender
• Delete suspicious texts
• Report fraudulent texts to your mobile provider

Email Phishing Scams

Phishing emails attempt to steal personal or financial information by directing you to fake websites.

Warning Signs:

• Misspelled words or poor grammar
• Generic greetings
• Suspicious attachments
• Unexpected requests for personal information
• Pressure to act immediately

Stay Safe:

• Verify the sender’s address
• Hover over links before clicking
• Never enter credentials on unfamiliar websites
• Enable multi-factor authentication whenever possible

Phone Scams (Vishing)

Scammers use phone calls to impersonate banks, government agencies, technical support providers, or even family members.

Common Tactics:

• Claiming your account has been compromised
• Requesting security codes
• Demanding immediate payments
• Creating fear or urgency

Protect Yourself:

• Hang up and call the organization directly
• Never share authentication codes
• Be wary of caller ID spoofing

AI Voice Clone Scams

Criminals can now use artificial intelligence to mimic a person’s voice. You may receive a call that sounds like a loved one requesting urgent financial help.

Before Sending Money:

• Verify the situation through another contact method
• Call the person directly using a known phone number
• Ask questions only they would know the answer to
• Stay calm and avoid acting under pressure

Fraud Prevention Tips

Protect Your Accounts

Create Strong Passwords

Use unique passwords for every account and avoid using personal information that can be easily guessed.

Enable Multi-Factor Authentication

Whenever available, turn on multi-factor authentication to add an extra layer of security.

Monitor Account Activity

Review transactions regularly and report unauthorized activity immediately.

Keep Contact Information Updated

Ensure we have your current phone number and email address so we can quickly reach you about potential fraud.

Protect Your Personal Information

Think twice before sharing personal information online or over the phone.

Never Share:

• Online banking passwords
• Security verification codes
• Social Security numbers (unless necessary and verified)
• Debit card PINs
• Full account credentials

Be Careful When:

• Using public Wi-Fi
• Downloading unknown apps
• Responding to unsolicited requests
• Clicking on unexpected links

Spot the Warning Signs of Fraud

Most scams have one thing in common: they create urgency.
Be cautious if someone:

• Demands immediate action
• Requests gift cards, cryptocurrency, or wire transfers
• Asks for confidential account information
• Uses threats or intimidation
• Claims you’ve won a prize unexpectedly
• Requests secrecy

When in doubt, stop and verify.

What To Do If You Think You’ve Been Scammed

Step 1: Contact Us Immediately

The sooner we know about suspicious activity, the faster we can help protect your accounts.

Step 2: Change Your Passwords

Update passwords for online banking, email, and any impacted accounts.

Step 3: Monitor Your Accounts

Review recent transactions and report unauthorized activity.

Step 4: Report the Incident

Depending on the situation, you may need to report fraud to:

• Local law enforcement
• Credit reporting agencies
• Relevant government agencies

Security Commitment

We’re Working to Protect You

Our fraud monitoring systems, security protocols, and member education efforts are designed to help safeguard your accounts and personal information.

However, security is most effective when we work together.

Stay informed. Stay alert. Stay protected.