🔒 Protect Your Information: Stay Safe from Scams

Never share your online banking login details—including your username, password, security questions, or one-time codes—with anyone. These credentials provide full access to your account and can be used for fraud.

⚠️ Remember: Castle Rock Bank will never ask for sensitive information like:

  • Full Social Security numbers
  • Passwords or PINs
  • Full account numbers

If you receive an unexpected call, email, or text requesting this information, it’s a scam. When in doubt, contact your bank directly using a verified phone number.

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Fraud Awareness Center

🔒 How to Protect Yourself from Fraud and Scams

Fraudsters use increasingly clever tactics to trick individuals into giving up money or personal information. Here’s how you can stay a step ahead:

✅ 1. Slow Down and Think

  • Scammers often create a sense of urgency or fear to get you to act fast.
  • If someone pressures you to act immediately — pause and verify.

✅ 2. Verify the Source

  • Don’t trust caller ID or email addresses alone — they can be spoofed.
  • Always use a known, official number to contact Castle Rock Bank, family member, or company.

✅ 3. Never Share Sensitive Info

  • Castle Rock Bank will never ask for:
    • PINs
    • Online banking passwords
    • One-time verification codes
    • Full Social Security numbers via phone or text

✅ 4. Don’t Click Suspicious Links

  • Avoid clicking on links or attachments in unexpected emails or texts.
  • Scammers may mimic logos and language from legitimate companies.

✅ 5. Use Strong Passwords & Multi-Factor Authentication

  • Create unique, complex passwords for each account.
  • Turn on two-step verification wherever it’s offered.

✅ 6. Monitor Your Accounts

  • Check your bank and credit card statements regularly.
  • Report any unfamiliar transactions right away.

✅ 7. Set Up Alerts

  • Enable real-time transaction alerts via text or email for your Castle Rock Bank accounts.

✅ 8. Keep Your Devices Secure

  • Use up-to-date antivirus software and firewalls.
  • Only install apps from trusted sources.

✅ 9. Educate Yourself and Others

  • Stay informed about common scams and new threats.
  • Talk to family members — especially seniors and teens — about how scams work.

🏦 How We at Castle Rock Bank Protect You

At Castle Rock Bank, your financial security is our top priority. We take proactive steps every day to protect you and your accounts from fraud, scams, and identity theft.

🔐 Bank-Level Security Measures

  • 24/7 Fraud Monitoring
    Our systems watch for unusual or suspicious activity on your accounts and debit cards.
  • Secure Online & Mobile Banking
    We use encrypted connections and advanced firewalls to protect your information.
  • Multi-Factor Authentication (MFA)
    Added layers of verification help ensure that only you can access your accounts.
  • Real-Time Account Alerts
    You can set up customizable text and email alerts for transactions, login attempts, and more.
  • Debit Card Protections
    Instant blocking, card replacement, and chip technology help reduce unauthorized use.

🤝 Customer Support & Education

  • Trained Staff at Every Branch
    Our team is trained to recognize and respond to potential fraud and scams.
  • Personalized Assistance
    If something doesn’t seem right, we’re here to help you sort it out — in person, by phone, or online.
  • Fraud Awareness Campaigns
    We provide helpful guides, alerts, and seminars to keep you informed of new threats.

🚨 If You've Been Scammed

📞 Contact Castle Rock Bank immediately

Other Fraud Reporting Resources:

  • File a complaint with the FTC: https://reportfraud.ftc.gov
  •  File a police report if money was lost
  • Report concerns to Adult Protective Services
  • Report the fraud to the P2P platform (Zelle®, Venmo, etc.)
  • We can help place safeguards on account or set up alerts
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Common Types

of Fraud

🧓 Protecting Older Adults from Financial Fraud

💡 What is Elder Fraud?

Elder financial exploitation involves the illegal or improper use of an older adult’s money, assets, or property, often through scams, theft, or misuse of authority. This can be carried out by strangers, acquaintances, or even family members and caregivers who exploit the trust and vulnerability of seniors. 

Elder financial fraud is a growing threat. Criminals often target older adults due to a combination of perceived factors, such as a trusting nature, potential vulnerability, or accumulated savings. At Castle Rock Bank, we’re committed to raising awareness and helping families protect their loved ones.

🎭 Imposter Fraud: Know the Signs, Protect Your Money

🔍 What Is Imposter Fraud?

Imposter fraud occurs when a scammer pretends to be someone you trust — such as a bank employee, government official, tech support agent, or even a loved one — to trick you into sending money or sharing sensitive information.

These scams are dangerous because they play on emotion, urgency, and trust.

🔄 Understanding Person-to-Person (P2P) Payment Fraud

💡 What is P2P Fraud?

P2P fraud involves tricking someone into sending money through digital payment platforms under false pretenses. These payments are often instant, irreversible, and not protected in the same way as credit card transactions.

Person-to-person (P2P) payment services make it fast and easy to send money. But they also make it easy for scammers to take advantage of users who aren’t aware of common fraud tactics. At Castle Rock Bank, we want you to stay informed and secure when sending money electronically.

🔐 Phishing and Smishing: What You Need to Know

📧 What is Phishing?

Phishing is a type of cyberattack where scammers impersonate legitimate organizations—like your bank, government agencies, or well-known companies—to trick you into revealing sensitive personal or financial information. These attacks usually come in the form of fraudulent emails, but they can also appear as fake websites or even pop-up messages.

📱 What is Smishing?

Smishing (short for SMS phishing) is a type of phishing attack delivered through text messages rather than emails. Like phishing, the goal of smishing is to trick you into providing sensitive information, clicking on malicious links, or downloading harmful content.

🕵️‍♂️ Common Fraudulent Scams

💬 Tech Support Scams

  • Fraudster claims to be from Microsoft, Apple, or a bank
  • Asks to “fix” a fake virus or software issue
  • Gains remote access to the computer and bank accounts

📞 Family Emergency (“Grandparent”) Scam

  • You get a call or message from someone claiming to be your grandchild, niece, or friend.
  • They say they’re in trouble (e.g., arrested, hospitalized, stuck abroad).
  • Demands immediate money, often via wire transfer or gift cards, and “not tell anyone.”

🏦 Bank Impersonation

  • Caller claims there’s suspicious activity on your account.
  • Ask for your online banking credentials or verification codes.
  • May spoof your bank’s phone number or text you a “security alert.”
  • They pressure you to send money quickly for an “emergency” or to “secure” your account.

📬 Lottery & Sweepstakes Scams

  • Claims the victim has won a prize but must pay taxes or fees upfront
  • No actual prize ever arrives

🏛️ Government Scam

  • Claims you owe back taxes, or your Social Security number is suspended.
  • Threatens arrest, fines, or deportation unless you pay immediately.
  • Demands payment via gift cards, wire transfers, or crypto.

💸 Romance Scams

  • Scammer builds a fake online relationship
  • Then requests money for “emergencies,” “travel,” or “medical expenses”

🧑‍⚖️ Power of Attorney or Caregiver Abuse

  • Trusted individuals misuse legal authority to access accounts or assets
  • May isolate the elder or manipulate them into changing legal documents

🤝 Fake Buyer/Seller Scams

  • You’re selling something online, and the “buyer” sends you a fake payment confirmation.
  • Or you pay for an item (tickets, pet, rental, etc.) and never receive it.

💼 Job Offer or Overpayment Scams

  • You receive a fake check or payment for a job or sale.
  • You’re told to send part of the money back via P2P (Person to Person) transfer.
  • The original payment later bounces or is canceled.

🎣 Phishing or Social Engineering

  • You receive a message prompting you to log in to a fake P2P (Person to Person) app or enter a verification code.
  • The scammer then gains access to your P2P (Person to Person) account and sends money to themselves.

💬 Remember:

If it sounds too good to be true—it probably is.

We’re here to protect your family’s future. Let us know how we can help.

👍 A Good Rule of Thumb

If you didn’t initiate the contact, don’t provide your information.

No legitimate bank or government agency will ever ask for your login credentials, PIN, or verification codes via email or text message.

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